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Sport, part-funded by your insurer

Several supplementary policies contribute to a gym membership or group classes. The amount is modest, the conditions precise, and the sum is worth doing before switching insurer for that reason.

What is covered, and how much

The contribution usually takes the form of a capped percentage of the annual membership, paid once a year against a receipt. The cap is often shared with other preventive benefits — vaccinations, antenatal classes, screening not covered by basic insurance.

We show no amount here: every insurer sets its own, it changes from year to year, and no public register collects them. The only reliable figure is the one in your policy terms.

The sum to do before switching insurer

A fitness contribution almost never offsets a higher basic premium: the annual gap between two insurers on basic cover often runs into hundreds of francs, the sports contribution into tens. Put the two amounts side by side rather than choosing from the brochure.

Sports accidents fall under accident cover — your employer’s if you work more than eight hours a week, your health insurer’s otherwise. So-called hazardous sports carry exclusions or benefit reductions to be read before heading into the mountains, not after.

What drives the price

  • The supplementary policy held: basic insurance never pays for sport.
  • Recognition of the centre or class by the insurer.
  • The annual cap, often shared with other preventive benefits.
  • The proof required: named membership, attendance certificate, or both.

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.

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