Health insurance premiums in Switzerland take a significant share of household budgets. Here are actionable tips to optimize costs.
1. Choose Generic Medicines
Always request generic drugs at the pharmacy. Brand-name drugs carry a 20% co-payment instead of 10% if an equivalent generic is available.
2. Suspend Accident Coverage if Employed
If you work at least 8 hours per week for the same employer, you are fully covered under Swiss occupational accident insurance (UVG/LAINF). Suspending accident coverage on your basic health policy saves around 7%.
3. Check for Premium Subsidies
Many cantons offer income-based premium reductions (IPV) to residents and families.
Tag correlati:
#savings
#healthcare costs
#tips
#premiums
#swiss expats
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