Basic Health Insurance Comparison Switzerland 2022
Use PrimApp’s basic health insurance comparison engine to find the best premiums for your medical requirements
Basic Health Insurance Comparison Switzerland - Coverage and Cost
Since 1996, Switzerland has mandatory basic health insurance where every resident must take out compulsory health insurance. There are a wide range of insurance providers who have to provide equal benefits as decided by the FOPH, but the premiums can vary. Another point to remember is that annual premiums usually increase every year, which provides an opportunity for policyholders to compare different providers and choose the best plan as per their needs.
Switzerland has one of the highest rates of premiums, but they are worth it as they provide one of the best in global levels of healthcare. Basic insurance is adequate to cover most of the basic sickness, accidents, and also maternity care. It is important to note that every family member has to be individually insured, though many insurance providers offer good benefits if the family holds policies from the same company.
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PrimApp - Compare Basic Health Insurance Online in Switzerland
Choose from the best insurance package for you that offers relevant benefits and advantages
As health insurance costs keep rising every year, it is important that you calculate your premiums beforehand to ensure that it is the lowest possible for all your medical needs. Most people simply renew their insurance and pay the higher premiums which is a mistake. It would be better that you conduct this exercise before renewal, since you are only allowed to change your insurance provider once a year. When you use PrimApp’s insurance premium comparison engine, you can save around 2,000 francs a year in medical costs.
PrimApp’s insurance premium comparison engine uses thousands of insurance data pieces to suggest the best plans for your requirements. Moreover, the process is completely neutral which is crucial to help you arrive at the right decisions. The goal is to choose the cheapest basic health insurance in Switzerland at the lowest possible costs. With our comparison tool, you can select your choice of deductible, accident cover, your preferred insurance model such as standard, general practitioner, HMO, or any other option.
Compare Basic Health Insurance in 3 simple steps:
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FAQs
What does the basic health insurance in Switzerland cover?
Mandatory health insurance in Switzerland covers the cost of examination, diagnosis, and any follow-up treatment that is needed. As per the KVG Act, the policyholder is entitled to the following benefits:
Treatment by a doctor:
All treatment provided by a doctor is covered by the mandatory health insurance such as physiotherapy, nutritional counseling, home care, etc. Psychotherapy is only covered under certain conditions.
Alternative treatment therapies:
Homeopathy and traditional medicine can be covered by mandatory health insurance but only by those practitioners who are certified and are approved by the insurance provider.
Stay at the hospital
Emergency hospital stays, outpatient, and inpatient stay at the general ward are covered by mandatory health insurance.
Preventive health requirements
Vaccinations, health and development check-ups for pre-school children, preliminary gynecology examinations, and preventive examinations for breast cancer and colon cancer are covered in basic health insurance.
Pregnancy and maternity cover
Seven routine examinations, two ultrasound examinations, and other related tests are covered, though depending on the risks involved, more examinations can be approved. Basic insurance also covers the cost of delivery at the hospital or at home with approved midwives, as well as postnatal consultations and care in case of any complications.
How to minimize the cost of basic health insurance premiums in Switzerland?
Premiums have been rising every year, but with the right comparison engine such as PrimApp, you can choose the cheapest basic health insurance available in Switzerland for your individual requirements. Make a note of all your medical needs, enter the data, select your preferences, and you can arrive at the relevant basic insurance packages that are right for you. You can further sort and filter your criteria to make sure that you have maximum returns for your healthcare premiums.
How do I change my health insurance plan?
You cannot cancel your basic health insurance plan without changing to a different provider. Each insurance provider would have a definite notice period that you can find in your policy, which you must observe while changing your insurance plan. You can download the cancellation form on their website, fill it up, and send it by registered post at least a month before the change.