Swiss health insurance discounts

I hear you can get discounts of up to 50% on Swiss health insurance by getting a policy with claim-free discounts. Are these policies worth it?

Greetings,

Only a limited number of health insurance providers offer bonus health insurance policies - policies with claims-free discounts. Most of these policies apply a 10% claims-free discount every year in which you do not make any claims. If you do make a claim, your premiums are bumped back up by 10% - normally up to a maximum of 100% of the standard premium.

You can find all compulsory health insurance policies which provide claims-free discounts by selecting "Yes" under "Bonus insurance" in the moneyland.ch health insurance comparison.

Typically, the bonus-malus system is only offered with standard insurance policies and not with budget versions (family doctor, HMO, telemedicine, pharmacy). If you want standard coverage (which lets you get medical care without having to consult a specific doctor or telemedicine service first) and you rarely make claims, then getting a bonus-malus policy provides a way of cutting the cost of that coverage.

However, unless you fully expect to remain claim free for many years at a time, getting a budget policy which uses the family doctor, telemedicine or HMO model is a much more effective way to save right from the start without having to forego medical care.

Best regards from Moneyguru

Many Swiss health insurance companies give you a discount if you pay your insurance premium for half-a-year or for the whole year in advance. You can find a clear overview of these discounts here.