Health insurance: Premiums and Contributions to Costs

Insurance providers determine the premiums paid by insureds. They generally charge the same premiums to all insureds. Insureds contribute to the cost of the benefits they receive. Their contribution comprises a deductible, a retention fee and contribution to the costs of hospital stays.

Premiums

Insurance providers determine the premiums paid by insureds. Unless otherwise stipulated by law, they charge the same premiums to all insureds.

Premiums are graduated according to the costs in each canton. Insureds’ place of residence plays a determining role.

Insurers may graduate premiums by region. The Department determines the regions uniformly.

Premiums must be paid in advance and generally every month.

Cost sharing

Insureds contribute to the cost of the benefits they receive. This contribution comprises:

  • Standard deductible: CHF 300.00 per year; children and adolescents under 18 years of age are exempt from the standard deductible.
  • A retention fee of 10 % of the costs exceeding the deductible up to CHF 700.00 per year (CHF 350.00 for children under 18).
  • Contribution to the costs of a hospital stay of CHF 15.00 per day. Children, young adults up to the age of 25 in training and women receiving maternity benefits are exempt from the hospital contribution.

Last modification 24.08.2018

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Contact

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
E-mail

Print contact

https://www.bag.admin.ch/content/bag/en/home/versicherungen/krankenversicherung/krankenversicherung-versicherte-mit-wohnsitz-in-der-schweiz/praemien-kostenbeteiligung.html