Families are hardest hit by high Swiss health insurance premiums. This overview shows you which health insurance companies offer discounts for children.
For a start, the basic premium savers which apply to individuals also apply to families: Choose the optimal deductible for each member of your family, select the cheapest managed care model, cut out unnecessary accident insurance and take advantage of possible premium reductions.
Save with family discounts from affordable insurers
Health insurance premiums vary by leaps and strides between insurance providers. Comparing insurance policies is key to saving on premiums.
There are a number of health insurance providers which offer discounts for large families, starting with the second or third child. moneyland.ch’s comprehensive Swiss health insurance comparison automatically accounts for all applicable family discounts.
Only the following health insurance companies offer discounts for children:
Health insurance providers with family discounts from the third child onwards:
Example of an insurance bill with third-child-onwards insurance discounts:
Monthly premium without family discount: CHF 100
Monthly premium with family discount: CHF 90
Premiums for family with 2 children:
Premium 1st child: CHF 100
Premium 2nd child: CHF 100
Premiums for family with 4 children:
Premium 1st child: CHF 100
Premium 2nd child: CHF 100
Premium 3rd child: CHF 90
Premium 4th child: CHF 90
Health insurance providers with discount for all children for families with at least 3 children:
Groupe Mutuel Group, which includes:
Example of a bill with discount for all children for families with at least 3 children:
Monthly premium without family discount: CHF 100
Monthly premium with family discount for 3 or more children: CHF 90
Premiums for family with 2 children:
Premium 1st child: CHF 100
Premium 2nd child: CHF 100
Premiums for family with 4 children:
Premium 1st child: CHF 90
Premium 2nd child: CHF 90
Premium 3rd child: CHF 90
Premium 4th child: CHF 90
Discount model from Assura:
Assura has an alternative family discount model: For families with 2 children, both children receive a discounted premium. For families with 3 or more children, all children receive a slightly more discounted premium.
Example of the alternative family discount from Assura:
Monthly premium without family discount: CHF 100
Monthly premium with family discount with 2 children: CHF 90
Monthly premium with family discount for 3 or more children: CHF 80
Premium for family with one child:
Premium 1st child: CHF 100
Premium for family with 2 children:
Premium 1st child: CHF 90
Premium 2nd child: CHF 90
Premiums for family with 4 children:
Premium 1st child: CHF 80
Premium 2nd child: CHF 80
Premium 3rd child: CHF 80
Premium 4th child: CHF 80
Compare premiums
The exact premiums can vary depending on the insurance provider, insurance model, the deductible, and your place of residence. You can find these in the health insurance comparison by moneyland.ch.
Important note: The fact that some health insurance companies offer discounts for children does not automatically mean that they are the cheapest for families. Depending on the place of residence, situation, deductible rate and model, health insurances without special discounts can be the cheapest for families.
It is often even cheaper if the family chooses the most favorable offers for children, young adults and adults separately, instead of insuring the whole family with the same insurance company.
More on this topic:
Go to health insurance comparison
Selection of offers
Helsana Completa
Most comprehensive supplementary outpatient insurance
Contact lenses and vision aids: 90 percent up to CHF 300 per year
Cost contributions for preventive measures
Concordia Diversa Plus
Outpatient and inpatient coverage in the event of emergency abroad
Contributions towards search and rescue costs worldwide
Contributions towards vaccinations, corrective dentistry, as well as spectacles
Helsana Sana
Supplemental health insurance
75% for complementary medicine remedies
Cost contribution for prevention, vaccinations, ultrasound: 75 percent
Deal of the Day 
Supplementary Insurance
Helsana Completa
Most comprehensive supplementary outpatient insurance
Leading credit cards
Swisscard Cashback Cards Amex
No annual fees
Two cards Amex & Visa/Mastercard
With cash back
Migros Cumulus Visa
No annual fees
With Cumulus points
Without foreign currency fees
Information
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