The best health insurance companies in Switzerland
As in previous years, health insurance premiums will continue to rise in 2020. However, you have the option of changing your health insurance company easily and uncomplicatedly and thus saving costs.
Last year alone, more than 600,000 insured changed providers. Around half of these changes are due to premium increases. Various health insurance tests can help you find the health insurance company best suited to your needs. However, since these tests are rarely carried out, it makes sense to ask for an additional personal quote.
The coverage of the approximately 50 health insurance companies is the same for basic health insurance. The focus of a health insurance test is therefore not on the coverage. Instead, the focus is often on other questions:
contentment
Which health insurance company has the highest customer satisfaction?
Test, Compare, Calculate
Which health insurance is the cheapest?
deductible
Which deductible is best suited?
Comparis health insurance comparison: Even small insurers are best rated
In August 2019, Comparis, together with the market research institute Intervista, asked around 3,500 customers about their satisfaction with their current health insurance company. The policyholders evaluated the technical advice as well as the personal commitment of the employees. In addition, the respondents provided information on the comprehensibility of customer information and the billing of services.
Three of the 22 health insurance companies tested achieved a score of 5.4, securing first place with good customer satisfaction. The top score in the survey thus improved slightly compared to the previous year. At that time, the best insurance companies were rated at a maximum of 5.3.
A further 15 providers also performed well with scores of 5.0 to 5.3. Four health insurance companies have satisfactory customer ratings.
Among the worst rated health insurance companies are Assura, Mutuel Assurance, Supra and Philos. Sanagate and Avenir, which were still satisfactory in the previous year, improved to a good rating.
The following companies have a good customer satisfaction:
- Agrisano, EGK, SWICA: Note 5,4
- KPT, Progès: 5,3
- Atupri, Sanitas, Sanagate, ÖKK, Concordia, Helsana, Arcosana, Sympany, Visana: 5,2
- Avenir, Easy Sana, CSS: 5,1
- Intras: 5,0
Health insurance companies rated by Moneyland
Also in August 2019, Moneyland published a survey on customer satisfaction with basic health insurance. In contrast to the Comparis survey, in which customers were somewhat more satisfied than in the previous year, this study found a decline in customer satisfaction. Especially in the area of value for money, policyholders are dissatisfied, which is attributable to rising health insurance premiums.
The approximately 1,500 customers surveyed rated the checkouts in various categories such as:
- Goodwill in payments
- Responsiveness to questions
- Billing accuracy
- Speed of disbursements
- Customer service opening hours
The four best health insurance companies achieve a very good rating. Another seven are good. Visana and Groupe Mutuel are only enough for two health insurance companies to achieve a satisfactory result. In the eyes of the customers, Assura is only sufficient.
The top-rated health insurance companies are:
- Agrisano: 8,5
- KPT, SWICA: 8,2
- ÖKK: 8,1
The health insurance companies achieve the highest satisfaction in the category of friendliness of employees. The insured are also satisfied with the correctness and clarity of the accounts, but also with the accessibility. The health insurance companies, on the other hand, can improve in the price-performance ratio, in the fairness of refunds and in the field of customer information.
Swica best health insurance in K-Tipp rating
The Swiss-German consumer magazine K-Tipp regularly focuses on the basic insurance policies of various health insurance funds. Most recently, the focus was on customer satisfaction. To this end, policyholders assessed the service of the nine largest providers. According to K-Tipp, smaller health insurance companies were not considered because they were not mentioned enough in the survey and the values were therefore not representative.
More than 60 percent of Swiss respondents are very satisfied with the service provided by their health insurance company. According to the survey, around one third is "fairly" satisfied. However, there are major differences between the individual providers. According to the test winner Swica, almost three-quarters of the insured are very satisfied. In the case of Assura, which came in last, only just fewer than 39 percent of those insured can claim this.
If there have been problems with the health insurance company, the insured most frequently complained about the following points:
- Invoices were not paid or paid too late
- Bothersome and annoying inquiries
- Too complicated and too much paperwork
- Administrative problems
Compared to the previous year, Swica regained its leading position. Last year, the Sanitas health insurance company took first place. In the current survey, the health insurance company has lost only little in terms of customer satisfaction. However, Swica was again rated significantly better by its customers.
An overview of the best health insurance companies with the most satisfied customers:
- Swica (76.7 percent very satisfied customers)
- Sanitas (74,7 percent)
- Concordia (65,9 percent)
- KPT/CPT (64,3 percent)
- CSS (63,9 percent)
Health insurance companies tested at bonus.ch
In 2018, bonus.ch also examined how satisfied insured persons in Switzerland are with their health insurance fund. Almost 1,500 people were surveyed on the three criteria of customer service, contract processing and claims processing.
Overall, the general satisfaction of the insured was slightly lower than in the previous year. Instead of the good average score of 5.02, only 4.89 was enough. Depending on the category surveyed, however, some customers were very satisfied with their health insurance company.
The following health insurance companies reach the highest customer satisfaction rating (5.2):
- Agrisano,
- Sanitas,
- Swica und
- Visana
Second place went to Arcosana, Atupri, Helsana and KPT/CPT with a score of 5.1. Last placed are Assura, Intra and Mutuel Assuarance, which are graded with 4.6.
Agrisano, Sanitas and Swica (5.2) achieve the best individual results in contract processing. While Agrisano receives the highest rating from its policyholders with a score of 5.4 in the processing of benefits, Sanitas ranks at the top of the comparison with a score of 5.2 in the customer service category.
Cut the health insurance costs with the right deductible
Not only can you reduce your health insurance expenses by switching to a cheaper provider. You can also significantly cut costs by changing the deductible. With the highest deductible of CHF 2,500, the premiums are considerably lower than with a regular franchise of CHF 300.
In the canton of St. Gallen (premium region 1), insured persons with the highest deductible in the EGK standard model without accident cover pay only CHF 313.70 per month instead of CHF 439.20, for example. Calculated over the year, this results in savings of more than CHF 1,500.
Find the best health insurance company
Health insurance ratings are a first step towards finding the best health insurance company for your wishes and needs. However, only very few comparisons take other factors into account in addition to the customer's experience. On krankenkassencheck.ch you have the possibility to find out the cheapest and best health insurance for you free of charge. Simply request a free and non-binding quote.
Tip: Please note the notice period when changing health insurance companies. The insurer must have received the letter of cancellation by 30 November at the latest in order for the change to take place at the start of the new year. If you only wish to change your regular deductible rate into an optional deductible rate, you have until the end of December to do so.