Premium

In finance, the term “premium” has two meanings.

Most commonly, it denotes regular, recurring payments made in exchange for insurance coverage. In Switzerland the most common premiums are the health insurance premiums paid for compulsory health insurance.

Premiums also apply to supplemental hospital insurance, out-patient insurance, travel insurance, car insurance, motorcycle insurance, legal expense insurance, pet insurance, household insurance, liability insurance and life insurance. The premiums you pay are documented in your insurance policy.

Secondly, the Swiss banking sector sometimes uses the term “premiums” in reference to bonus points or rewards which can be redeemed for discounts or merchandise. Two bank products which commonly offer premiums in the sense of rewards are bank packages and credit cards.

Health insurance premiums in comparison

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Leading credit cards

Amex promotion until April 6

Amex Platinum Card

  • 50% off the annual fee in the first year

  • Extra bonus: 75,000 instead of 45,000 Membership Rewards points

  • Further benefits: 10% discount on purchases in Gübelin boutiques & Up to CHF 160 Dining credit per year in over 600 GaultMillau restaurants

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Amex promotion until April 6

Amex Platinum Card

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Trading platforms

Brokers with low fees

Swiss Trading Platform

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Cheap bank accounts with card

Online private account

UBS key4

  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

Learn more
Swiss digital bank

Radicant

  • High interest on your everyday account

  • Best exchange rates

  • Up to 1% of card spending as saveback in the investment portfolio

Benefit now
Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

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Swiss digital bank

Alpian

  • CHF 75 welcome bonus with referral code LAND25.

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

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