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

Standard 365

  • Cancellations & interruptions

  • Luggage insurance

  • Direct application

Book now
Travel Insurance

Travel Easy 365

  • Cancellations & interruptions

  • Attractive premiums

  • Direct application

Book now
Health insurance

coverio

  • Health insurance for foreign students

  • Choice of different excesses

  • Treatment by specialist physicians and other specialists

Find out more
Quote

Atupri SmartCare

  • Telemedicine model

  • Managed Care Model

  • Free quote

Get a free quote now
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Travel Insurance

Standard 365

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Free Credit Card

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UBS Banking for adults

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Current Offers

Free credit card

PKZ Insider Card Visa

  • Welcome Bonus of CHF 100

  • No annual fees forever

  • Double bonus with PKZ and up to 1% worldwide

Learn more now
Free credit card

Swisscard Cashback Cards Amex

  • No annual fees

  • Two cards Amex & Visa/Mastercard

  • With cash back

Learn more now
Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

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

Benefit 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
Free Credit Card

swisscard

  • Winner „most affordable card for use abroad“

  • Maximum security and full control

  • No annual fee

Learn more now
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

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