Health insurance: Premium reductions linked to special forms of insurance

The insured person can opt to increase the deductible freely. With a higher optional deductible the insured person obtains a premium discount accordingly. In agreement with the insurance company the insured person can limit the right of choice of service provider which are then chosen by the insurance company in view of a more cost-effective care. This results in a premium reduction. By choosing a bonus model the insured person benefits from a sinking premium in case the person does not claim services during a certain period of time.

Premium discounts thanks to the choice of special forms of insurance

  • Restricted choice of service providers
  • Higher deductible
  • Bonus model

The special forms of insurance are not available for policyholders resident in an EU member country, Iceland or Norway.

Last modification 26.08.2019

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Governance Supervision Section
Schwarzenburgstrasse 157
3003 Berne
Tel. +41 58 462 21 11

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