No single health insurer represents the best choice for everyone. The right provider for you depends on your individual requirements, life circumstances, place of residence, age and chosen insurance model.
The Comparis and Moneyland surveys provide an indication of overall customer satisfaction, but do not necessarily reflect what matters most to you right now. If you are considering changing health insurer, pay close attention to the aspects listed below.
Basic health insurance premiums and value for money
Cheap does not automatically mean good value. When choosing basic health insurance, don’t focus solely on the premium. It’s also important to consider its value for money. Customer service and competent advice are equally important to the overall package.
Basic health insurance premiums: Premiums depend on various factors, including the health insurer, where you live, your age, your deductible and the insurance model you choose. Premiums are also affected by the inclusion or exclusion of accident cover. When comparing quotes, therefore, be sure to use the same details each time. The official Swiss Confederation premium comparison tool provides a useful overview.
Benefits covered under basic health insurance: The benefits provided under basic health insurance are legally regulated and the same across all health insurers.
Basic health insurance models: If you are looking for the best basic health insurance in Switzerland, it is worth comparing not only premiums but also the provisions of the respective insurance models. GP, HMO, telemedicine and digital models, for example, can offer lower premiums, but these require you to use a prescribed first point of contact for medical issues. Depending on the model, additional requirements may apply in respect of referrals to specialists, for example, or the dispensing of medications.
Calculate everyday value for money
When comparing basic health insurance models, research the following:
- Accessibility and advice: Can you contact customer service through your preferred channels? Are your questions answered clearly and understandably?
- Reimbursements: How do policyholders rate the processing and reimbursement of claims? Are benefit statements easy to understand?
- Digital services: Can you submit invoices with your smartphone, view documents in an app and update your details online? With KPT, this can be done quickly and easily through the KPT app and the KPTnet customer portal.
- Health services: Does the insurer provide support with health-related questions? KPT’s Well app includes a symptom checker and access to additional health services.
- Transparency and goodwill: Does the health insurer communicate in a clear and transparent manner? You should also check how responsive it is to individual requests and enquiries.
The best health insurance for your circumstances
The most suitable health insurance for you depends on your individual preferences. Do you prioritise straightforward policy administration, digital services or continuity with a trusted GP practice, for example?
Families
Simple and straightforward policy administration is an important consideration for families, alongside affordable premiums. Think about how easy it is for you to manage your children’s insurance policies, for instance. It is also worth checking how easy it is to access medical support when a family member falls ill.
Children
When choosing health insurance for children, check whether you are free to choose your child’s paediatrician. Many health insurers allow this with all their insurance models. However, you should always check the conditions of the specific policy.
Teenagers and young adults
Low premiums and digital services are often particularly attractive to teenagers and young adults. A model such as KPTwin.smart, for instance, is a good option if you prefer to seek initial medical advice online. The important thing is to make sure that initial digital contact and the other provisions of the model suit your individual needs.
New Swiss residents
Anyone moving to Switzerland must take out basic health insurance within three months of their arrival. A digital insurance model can be useful if you have not yet found a regular GP practice. With KPTwin.smart, the first point of contact is the digital symptom checker in the Well app.
