Sanitas

sanitas

Sanitas Krankenversicherung, headquartered in Zurich, is one of the largest health insurance companies in Switzerland. At the beginning of 2019, it had around 835,000 insured persons with health insurance. Its premium income amounts to 2899 billion Swiss francs. Sanitas offers various basic insurance models as well as various supplementary and dental insurance plans. Compare benefits and premiums to find the right health insurance for you.

Information

Address

Jägergasse 3 PO Box 2010 8021 Zurich

Insured

343,424 in basic insurance

Refund period

Ø 5 days

Solvency ratio

118%

Administrative expenses

186 CHF per customer

 Contact

Sanitas basic insurance

You can choose from four basic insurance models.
  • The standard model gives you the free choice of doctor throughout Switzerland. The mandatory statutory benefits in the event of illness, birth or accident are insured.
  • With the MedCare family doctor model, the family doctor is the first point of contact for all treatments. If necessary, he will transmit them to you. With the family doctor model, you receive 7 % premium discount.
  • In the NetMed HMO model, contact the Group Clinic (HMO) first when you need treatment. If needed, we will refer you to a specialist in the physician network. This model offers a premium discount of up to 10 %.
  • For telemedicine models, contact the Medgate advice center by phone or via the Medgate app. If necessary, the staff will refer you to a doctor or hospital. Premium discounts for Telmed models are up to 15 %.
The level of insurance premiums also depends on the state in which you live. Sanitas offers affordable basic insurance in Niwalden, Zug, Appenzell and Innerrhoden, for example. You can reduce your insurance premiums by choosing a higher deductible amount.  

Voluntary supplementary insurance

Sanitas supplementary insurance supplements the wide range of benefits provided by basic insurance and is aimed at different target groups.
  • Jump is a supplementary insurance for young adults. This model contributes to alternative medicine, glasses, contact lenses, massage, fitness, preventive measures and covers outpatient and emergency treatment abroad.
  • Classic is a comprehensive supplementary insurance that also covers other supplementary insurance such as dental braces and psychotherapy.
  • Family is a supplementary insurance for the family. All benefits are covered by one service account. Set individual limits for each family.
  • Easy is a supplementary insurance for travel. It covers emergency outpatient and inpatient treatment abroad, as well as transport and rescue costs.
  • Medical Private gives you the freedom to choose doctors from all over the world. You can also see a Swiss doctor who is not liable to pay benefits under the Health Insurance Act.
 

Hospital Insurance

Basic insurance only covers accommodation in the general ward of the hospital in your place of residence. Supplementary hospital insurance gives you free choice. With Hospital Standard Liberty, for example, you have free choice of doctor and hospital in the general wards throughout Switzerland. Stay overnight in a shared room. Hospital Extra Liberty and Hospital Top Liberty are semi-private and private ward, respectively, and 2- or 1-bed room.

Dental insurance

Dental insurance covers 80 % of all dental treatment costs up to CHF 5000 per year. You receive up to 50% discount on treatments with Swiss Smile.

In comparison

Finding the right health insurance is not that easy. Compare the offers of Sanitas health insurance with other insurances and get free and non-binding advice.    

Health insurance comparison 2023

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