premium reductions swiss health insurance

Getting Premium Reductions for Your Swiss Health Insurance

How can you save money with Swiss health insurance premium reductions?

Anyone who lives in Switzerland, or has in the past, can confirm that Swiss health insurance premiums are high! Premiums can easily add up to several thousand francs per year and take a serious bite out of your wallet, particularly if you do not have a very high income.

To help residents cope with the high cost of compulsory health insurance, premium reductions are made available to those with little or no taxable income.

The scale of these reductions is set by each canton individually. In some cantons, reductions are automatically paid out, based on your tax declaration. In other cantons, you will have to apply for reductions.

Individual premium reductions are widely used in Switzerland. Around 2.2 million Swiss policyholders, approximately 27 percent of the insured population, received premium reductions in 2014.

In some cantons, every third resident receives premium reductions, while in other cantons this number is as high as every second resident. The scale of the reductions also varies. In the canton of Appenzell-Innerrhoden, the average annual premium reduction was 1127 francs in 2014. In the canton of Basel City, the average reduction was 3109 francs in the same year – almost three times as high.

The level of taxable income below which you qualify for individual premium reductions also varies between cantons. If you aren’t sure whether or not you are eligible, ask your local municipal or cantonal administration or search their website.

Important: Depending on which canton you reside in, and the timing of your tax declaration submissions, you may only actually be reimbursed for the portion of premiums covered by the reductions after a waiting period of two or even three years. If your financial situation necessitates urgent compensation, you will have to discuss possible solutions with the relevant cantonal administration.

Health insurance reductions – cantonal administration contact details:

Aargau
Gemeindezweigstelle der Sozialversicherungsanstalt (SVA) des Kantons Aargau in der Wohngemeinde
Telefon: +41 62 836 81 81
Web: www.sva-ag.ch

Appenzell Innerrhoden
Gesundheitsamt des Kantons Appenzell Innerrhoden
Telefon: +41 71 788 94 52
Web: www.ai.ch

Appenzell Ausserrhoden
Ausgleichskasse des Kantons Appenzell Ausserrhoden
Telefon: +41 71 354 51 51
Web: www.ahv-iv-ar.ch

Bern
Amt für Sozialversicherungen
Telefon: +41 844 800 884
Web: www.jgk.be.ch

Basel-Landschaft
Sozialversicherungsanstalt des Kantons Basel-Landschaft
Telefon: 061 425 24 00
Web: www.sva-bl.ch

Basel Stadt
Amt für Sozialbeiträge
Telefon: +41 61 267 87 11
Web: www.asb.bs.ch

Fribourg
Caisse de compensation du canton de Fribourg
Abteilung Prämienverbilligung
Telefon: +41 26 305 45 01
Web: www.caisseavsfr.ch

Geneva
Service de l’assurance-maladie
Telefon: +41 22 546 19 00
Web: www.geneve.ch/sam

Glarus
Kantonale Steuerverwaltung
Abteilung IPV
Telefon: +41 55 646 61 65
Web: www.gl.ch

Grisons
Sozialversicherungsanstalt des Kantons Graubünden
Telefon: +41 81 257 41 11
Web: www.sva.gr.ch

Jura
Caisse de compensation du canton du Jura
Telefon: +41 32 952 11 09
Web: www.caisseavsjura.ch

Lucerne
Ausgleichskasse Luzern
Telefon: +41 41 375 05 05
Web: www.ahvluzern.ch

Neuchâtel
Office cantonal de l'assurance maladie OCAM
Telefon: +41 32 889 66 30
Web: www.ne.ch

Nidwalden
Ausgleichskasse Nidwalden
Telefon: +41 41 618 51 00
Web: www.aknw.ch

Obwalden
Gesundheitsamt
Telefon: +41 41 666 63 05
Web: www.ow.ch

St. Gallen
SVA St. Gallen
Telefon: +41 71 282 61 91
Web: www.svasg.ch

Schaffhausen
Sozialversicherungsamt Schaffhausen
Telefon: +41 52 632 61 11
Web: www.svash.ch

Solothurn
Ausgleichskasse des Kantons Solothurn
Telefon: +41 32 686 22 09
Web: www.akso.ch

Schwyz
Ausgleichskasse Schwyz
Telefon: +41 41 819 04 25
Web: www.aksz.ch

Thurgau
Krankenkassenkontrollstelle der Wohngemeinde
Telefon: +41 58 345 68 40
Web: www.gesundheitsamt.tg.ch

Ticino
Ufficio delle prestazioni
Servizio sussidi assicurazione malattia
Telefon: +41 91 821 93 11
Web: www4.ti.ch

Uri
Amt für Gesundheit
Telefon: +41 41 875 22 42
Web: www.ur.ch/praemienverbilligung

Vaud
Office vaudois de l'assurance-maladie
Telefon: +41 21 557 47 47
Web: www.vd.ch

Valais
Caisse de compensation du canton du Valais
Abteilung Subventionen
Telefon: +41 27 324 91 11
Web: www.avs.vs.ch

Zug
Zuständige Gemeindestelle des Wohnorts
Telefon: +41 41 560 47 00
Web: www.akzug.ch

Zürich
Sozialversicherungsanstalt des Kantons Zürich
Telefon: +41 44 448 50 00
Web: www.svazurich.ch

More on this topic:
Swiss health insurance comparison
Supplementary outpatient insurance comparison
Supplementary hospital insurance comparison
More about Swiss health insurance

About Moneyland Magazine

The moneyland.ch magazine provides accurate, unbiased information on topics related to finance and money. In addition to research and expert interviews, the magazine contains numerous financial guides.