Health insurance: No-claims bonus

Insurer grant a discount in case no services had to be reimbursed.

If no invoices are submitted to the health insurer for reimbursement, a bonus is granted, with the premium being reduced in the following year

The following points should be noted:

  • Not all health insurers offer bonus models
  • The bonus model is only possible with the standard deductible (CHF 300)
  • An additional restriction on the choice of service providers (e.g. GP) is not possible
  • In the first year, the policyholder pays a supplement of 10 per cent on the standard premium
  • There is a mandatory minimum term, greater than 1 year

How the bonus model works:

  • In the second year without claims, the premium is reduced to 85 per cent
  • In the third year without claims, the premium is reduced to 75 per cent
  • In the fourth year without claims, the premium is reduced to 65 per cent
  • In the fifth year without claims, the premium is reduced to 55 per cent.

(A reduction of more than 50 per cent is not permitted under the 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 per cent more than the standard premium. If the standard premium is CHF 100 for 2016, you pay CHF 110 (initial premium). The 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 per cent supplement), you pay a premium of CHF 66 in the fifth year (55 per cent of CHF 120). 

Last modification 03.07.2018

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Governance Supervision Section
Schwarzenburgstrasse 157
3003 Berne
Switzerland
Tel. +41 58 462 21 11
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https://www.bag.admin.ch/content/bag/en/home/versicherungen/krankenversicherung/krankenversicherung-versicherte-mit-wohnsitz-in-der-schweiz/besondere-versicherungsformen/bonusversicherung.html