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.
Insurance

Swiss Insurance Offers

Digital Model with Family doctor

KPTwin.smart

  • Check your symptoms online

  • Online drug delivery

  • Primary care: App / family doctor

Free quote
Basic Insurance

Helsana

  • Top marks for insurance and service

  • Benefit from free telemedicine at any time

  • Everything to hand at all times with the myHelsana app

Free quote
Free Immediate Assistance in the Event of Death

Pax Care

  • CHF 2,000 in emergency assistance in the event of death

  • Personal support from professionals

  • 100% free of charge

Learn more now
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
Insurance

Swiss Insurance Offers

Digital Model with Family doctor

KPTwin.smart

  • Check your symptoms online

  • Online drug delivery

  • Primary care: App / family doctor

Free quote
Basic Insurance

Helsana

  • Top marks for insurance and service

  • Benefit from free telemedicine at any time

  • Everything to hand at all times with the myHelsana app

Free quote
Free Immediate Assistance in the Event of Death

Pax Care

  • CHF 2,000 in emergency assistance in the event of death

  • Personal support from professionals

  • 100% free of charge

Learn more now
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
Deal of the Day
×
Digital Model with Family doctor

KPTwin.smart

Check your symptoms online

Learn more See all deals
Find out more

Current Offers

Managed Premium

Discretionary Mandate

  • Up to CHF 100 welcome bonus

  • Customized portfolios & unlimited access to wealth advisor

  • Daily rebalancing

Learn more for free
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
Free Immediate Assistance in the Event of Death

Pax Care

  • CHF 2,000 in emergency assistance in the event of death

  • Personal support from professionals

  • 100% free of charge

Learn more now
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
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
Find out more

Current Offers

Managed Premium

Discretionary Mandate

  • Up to CHF 100 welcome bonus

  • Customized portfolios & unlimited access to wealth advisor

  • Daily rebalancing

Learn more for free
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
Free Immediate Assistance in the Event of Death

Pax Care

  • CHF 2,000 in emergency assistance in the event of death

  • Personal support from professionals

  • 100% free of charge

Learn more now
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
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
Health insurance premiums in comparison

Find the cheapest health insurance now

Compare now

Information

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