When I first moved to Switzerland, I was shocked at how expensive health insurance was. I didn’t know which company to trust, what “franchise” meant, or how to avoid overpaying.
Fast forward to 2025 — I’m paying CHF 110/month less than last year, and I still get all the coverage I need. In this post, I’ll share real strategies I used to save over CHF 1,000 a year — without compromising my health.
🩺 1. Choose the Right Insurance Model (Telmed = More Savings)
Switzerland allows you to pick different care models. I used to have the “free choice” model, which gave me doctor freedom — but cost a lot.
Now, I use the Telmed model (telephone first), and it saves me CHF 35/month. I call a nurse before visiting a doctor — and honestly, it’s been super convenient.
💸 2. Increase Your Deductible (Franchise)
If you're generally healthy, increasing your franchise to CHF 2,500 can lower your premium a lot.
I only visit the doctor once or twice a year, so I increased mine — and saved over CHF 500 annually.
But be careful: If you have chronic conditions or young kids, a lower deductible might make more sense.
📊 3. Use Online Comparison Tools
I used Comparis.ch and Priminfo.ch to compare plans side-by-side. You just enter your canton, age, and preferred model.
It’s the fastest way to avoid getting trapped in a high-premium plan.
🏥 4. Don’t Forget Dental and Alternative Plans
Basic insurance doesn’t cover dental or therapies like osteopathy, so I opted for a small supplemental plan (CHF 20/month) with Sanitas that covers:
- Dental hygiene
- Glasses & lenses
- Alternative treatments like acupuncture
It’s cheaper than paying out-of-pocket each time.
🧾 5. Apply for Premium Reduction (Prämienverbilligung)
If your income is low (or unstable), your canton might subsidize your premiums.
I applied through the canton of Bern’s social office and qualified for a CHF 80/month reduction for one year.
Check with your canton — most applications are online!
🌿 Final Thoughts
Health insurance in Switzerland doesn’t have to drain your bank account. With the right choices, you can:
- Stay fully covered
- Use trusted care
- And still save hundreds — or even thousands — a year