If no invoices are submitted to the health insurer for reimbursement in the course of a year, the premium is reduced for the following year (no-claims bonus).
The following points should be noted:
- Not all health insurers offer bonus insurance.
- Bonus insurance is only possible with the standard deductible (CHF 300).
- An additional restricted choice of service providers (e.g. GP) is not possible.
- In the first year, the policyholder pays a 10% surcharge on the standard premium.
- A mandatory minimum term of more than 1 year is applicable.
How bonus insurance works:
- In the second year without claims, the premium is reduced to 85% of the initial premium.
- In the third year without claims, the premium is reduced to 75%.
- In the fourth year without claims, the premium is reduced to 65%.
- In the fifth year without claims, the premium is reduced to at least 55%.
A reduction of more than 50% is not permitted by law.
If invoices are submitted to the health insurer for reimbursement, the policyholder’s reduction will be downgraded by one level the following year.
Example: In the first year, you pay a higher premium – 10% more than the standard premium (so if the standard premium for 2016 is CHF 100, your initial premium is CHF 110). Reductions are then applied step by step. After four years without claims, the maximum reduction – 45 per cent of the initial premium currently applicable – is attained. If the initial premium after 4 years without claims is CHF 120 (standard premium payable for 2020 plus 10% surcharge), you pay a premium of CHF 66 in the fifth year (55% of CHF 120).
Last modification 28.01.2021