Are the benefits the same at every insurer?
The answer
Yes. The catalogue of basic insurance is set by law and identical at all 34 insurers. Only price and service differ.
Why
The same medicine, the same operation, the same hospital stay are reimbursed the same way everywhere. That is what makes comparison legitimate: at identical cover, the CHF 3'230.40 a year between the cheapest and the dearest region buys nothing extra.
What really differs: reimbursement speed, service quality, the app, and the models offered. Real criteria — but they do not touch the care.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why does my neighbour pay less than me?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.