Insurance after 55
Basic insurance never changes: it accepts you at any age, with no questions. Supplementary policies, by contrast, become progressively out of reach — and that is the decision to take early.
Basic cover never closes
No insurer may refuse you compulsory cover or ask you a medical question, whatever your age. Switching insurer at 70 is as simple as at 30. Many people do not know this, and stay out of fear with an insurer that has become expensive.
Supplementary cover does close
After 55, insurers become markedly more selective, and beyond 65 many simply refuse new hospital policies. A supplementary policy cancelled at that age cannot be replaced.
It is the one real asymmetry in the Swiss system: cancelling supplementary cover is reversible at 30, permanent at 70.
The deductible in retirement
A high deductible is a bet on a year without treatment. That bet becomes statistically less favourable with age, because the chance of crossing the threshold rises. The deductible calculator gives the exact break-even for your municipality.
Long-term care
Basic insurance covers part of nursing home care, but not accommodation, which stays with the resident. When means fall short, supplementary state benefits step in. That is a cantonal scheme, worth examining long before it is needed.
What drives the price
- Age when taking out supplementary cover.
- The declared state of health.
- The deductible chosen on basic cover.
- The model and the region.
We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.