Example 1: Splitting health insurance to minimize premiums

This example shows you how splitting your various health insurance policies across different providers can lower the total cost of insurance.

Profile: Premiums are for a woman, 40 years old, in Zurich City.
Mandatory insurance: Highest deductible, all models, no accident cover.
Supplemental outpatient insurance: The cheapest offer with cover for medicines and emergency medical treatment outside of Switzerland. Other coverages and deductibles vary broadly between offers.
Supplemental hospital insurance:The cheapest offer for flexible hospital insurance that covers general, semi-private, and private wards with varying deductibles. The cover and deductibles vary broadly between offers.
Dental insurance:The cheapest offer for dental insurance. The cover and deductibles vary broadly between offers.

When an insurance provider has more than one eligible offer, the cheapest offer is used in the table.