Save on premiums How it works

There are various ways to optimise your basic and supplementary insurance premiums without foregoing benefits.

Choose the options that suit your situation in life.

Basic insurance:

  • The higher the deductible, the lower the premium.

    Adults: Choose between CHF 300 and CHF 2'500
    Children: CHF 0 and CHF 500.

    Changes can also be made via myEGK.

  • With the EGK-TelCare telemedicine model or EGK Care family doctor model, you are opting for an insurance model with a central point of contact. This coordinates your treatment and gives you a discount on the premium.

  • Anyone who works for the same employer for at least eight hours per week is insured against non-occupational accidents by their employer and can exclude accident cover from their basic insurance.

  • The third and every additional child under the age of 18 receive a discount on the child premium. The condition is that at least two other minor children in the same household have basic insurance with EGK.

  • If you have more than 60 consecutive days of service, you can suspend your basic insurance. You will not pay any premiums during this time.

  • If you live in modest financial circumstances, you are entitled to a premium reduction subsidised by the state. The conditions vary depending on the canton of residence.

EGK-SUN supplementary insurance

  • With EGK-SUN-1 and SUN-2, you can select the following retention fee to reduce the premium.

    • CHF 1'000
    • CHF 2'000
    • CHF 5'000

    The retention fee is only payable once in the event of a hospital stay over the turn of the year.

    No inpatient retention fee can be selected for SUN-3.

  • We offer you a family discount of 10% on EGK-SUN supplementary insurance:

    Requirements:

    • at least one parent and one child/youth (up to the age of 25)
    • living in the same household

  • EGK-SUN can be suspended for stays abroad of more than 180 days up to 36 months. A reduced premium of 10% of the monthly premium must still be paid during this period. After your return, the insurance will be reactivated at the normal premium without a new health declaration.

Further cost-saving opportunities

  • Select the annual bill option and benefit from a 1% discount. This discount is 0.5% for semi-annual bills. The change must be notified by 31 May or 30 November.

  • The deductible, retention fee and uncovered medical costs can be declared in your tax return. The allowances vary depending on canton and taxable income.

Looking for insurance that really suits you?

Whether you still have questions or already know what you want. We are there for you - personally.

Request consultation

Frequently asked questions

Basic insurance premiums give rise to questions every year. We want to create complete transparency for you.

  • 01

    Why is my premium adjustment different from the information provided in the media?

    The figures mentioned in the media are Swiss averages. Your personal premium depends on:

    • Your canton or region of residence
    • Your age group
    • Your chosen insurance model (Standard, EGK-Care, EGK-TelCare)


    For this reason, the adjustment varies depending on the situation.

  • 02

    Why are premiums increasing?

    Healthcare costs are continuing to rise. Some reasons for the increase in costs:

    • Advances in medicine lead to more expensive treatments
    • Ageing population with higher demand for services
    • More outpatient hospital treatment, which is covered in full by basic insurance
    • High medication costs and a low uptake of generics
    • In previous years, premiums were deliberately kept low due to political pressure (corona)
  • 03

    What is EGK doing to keep premiums stable?

    We are focusing on long-term stability:

    •  Careful negotiations with hospitals, doctors and other service providers
    • Lean management and digital processes
    • Promotion of cheaper models (EGK-Care, EGK-TelCare)
    • Solid reserve policy to cushion fluctuations
  • 04

    How are premiums calculated?

    We calculate the expected costs for your group of insured persons every year. This forecast is reviewed and approved by the Federal Office of Public Health (FOPH).

    Influencing factors are:

    • Healthcare services
    • Your place of residence and age group
    • Your chosen insurance model
    • Demographic trends
  • 05

    Why do premiums differ by region?

    Regional healthcare costs vary according to hospital structure, price level and medical care.

  • 06

    Why do premiums fluctuate from year to year?

    Actual costs may differ from forecasts. In addition, official regulations affect reserve policy, while benefit developments influence the amount of premiums.

  • 07

    What can I contribute personally?

    Take care of your health by exercising regularly, eating a healthy diet, getting enough sleep and avoiding addictive substances whenever possible. All of this can reduce the risk of disease. Unfortunately, there is no guarantee.

    Further measures:

    • Choose EGK-Care or EGK-TelCare for better coordination and lower costs
    • Use generics if possible
    • Go to the hospital emergency department only in a real emergency. Otherwise, consult your GP or contact the telemedicine centre
    • Review treatments with your doctor 
  • 08

    What are environmental taxes and do they affect my health insurance?

    The federal government levies incentive taxes on environmentally harmful substances. This money flows back to the population via health insurers. 

    Learn more
  • 09

    What is the solvency ratio?

    The KVG solvency test shows how high the risks are for health insurers and the extent to which they are able to bear these risks financially. The test defines the requirements for the minimum reserve level: an insurer must still be able to meet all its financial obligations at the end of the year, even if it has been a particularly bad year. 
    Such an exceptionally bad year corresponds to a scenario that statistically only occurs once in a hundred years. In other words: The KVG solvency test sets the probability of such a “catastrophe” at 1%. The required minimum reserve must therefore be sufficient to cushion the average loss of such an extreme year. 

    Source: KVG solvency test Health insurers