Health insurance: Premiums and co-payment

Insurers set the premiums paid by policyholders. They essentially charge the same premiums for all policyholders.
Policyholders’ co-payment takes the form of a deductible, a retention fee and a contribution to the costs of hospital stays. 

Premiums

Insurers set the premiums paid by policyholders. Unless otherwise stipulated by law, they charge the same premiums for all policyholders.
Premium levels vary in accordance with differences in costs within cantons and depend on the policyholder’s place of residence. Insurers may charge different premiums for different regions. Standard premium regions are defined by the FOPH.
Premiums are payable in advance, generally monthly.

Co-payment

Services are subject to co-payment by policyholders. This comprises:

• Standard deductible: CHF 300 per year. Children and adolescents under 18 are exempt.
• Retention fee: 10% of the costs exceeding the deductible, up to a maximum of CHF 700 per year (CHF 350 for children and adolescents under 18).
• Contribution to the costs of a hospital stay: CHF 15 per day. Children and adolescents under 18, young adults up to the age of 25 in education/training, and women receiving maternity-related services are exempt.
  

Documents

Frequently Asked Questions Cost sharing (PDF, 119 kB, 13.09.2023)

Links

Overview of premiums for compulsory health insurance (KVG) (in French/German/Italian)

Legislation

CC 832.102 Ordinance on Health Insurance (KVV) (in French)

Last modification 14.03.2023