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.

Editor Daniel Dreier
Daniel Dreier is editor and personal finance expert at moneyland.ch.
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Insurance

Swiss Insurance Offers

Travel Insurance

Travel Easy 365

  • Cancellations & interruptions

  • Attractive premiums

  • Direct application

Book now
Multi Trip Travel Insurance

ERV Travel Insurance

  • 365 Days of Travel and Leisure Coverage

  • Valid worldwide, including Switzerland

  • Emergency Assistance for Travel Incidents

Book now
Legal protection

Emilia

  • Protection of all important rights in life

  • Coverage of all attorney fees in legal cases

  • Best price for individuals or households

Find out more
Health insurance

coverio

  • Health insurance for foreign students

  • Choice of different excesses

  • Treatment by specialist physicians and other specialists

Find out more
Travel Insurance

Standard 365

  • Cancellations & interruptions

  • Luggage insurance

  • Direct application

Book now
Life Insurance

Generali

  • CHF 100.- Migros voucher upon conclusion

  • Death coverage

  • Premium guarantee: No increase

Get a free quote now
Quote

Atupri SmartCare

  • Telemedicine model

  • Managed Care Model

  • Free quote

Get a free quote now
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PKZ Insider Card Visa

  • Welcome Bonus of CHF 100

  • No annual fees forever

  • Double bonus with PKZ and up to 1% worldwide

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Swisscard Cashback Cards Amex

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  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
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  • Free multicurrency account & low commissions

  • Access to more than 3 million products (shares, ETFs, crypto and more)

Benefit now
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Manor World Mastercard®

  • 20% welcome discount + 10x points on your first purchase

  • Free extended warranty, travel and purchase insurance

  • Pay worldwide and collect points (even earn double points at Manor)

Learn more now
Digital Private Banking

Managed by Alpian

  • Up to CHF 50 investment fee credit

  • Customized portfolios

  • Unlimited access to wealth advisor

Learn more for free
Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

Learn more
Life Insurance

Generali

  • CHF 100.- Migros voucher upon conclusion

  • Death coverage

  • Premium guarantee: No increase

Get a free quote now
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