Changing insurer without changing owner

Same owner, two prices

In the canton of Uri, sana24 and Visana both belong to the Visana group. One asks CHF 411.00 a month, the other CHF 586.00 — that is CHF 2'100.00 a year apart, for cover the law defines word for word the same way.

This is not an isolated case. Across the 258 pairs of same-group insurers present in the same region, the median gap is CHF 320.40 a year, and 8 exceed a thousand francs.

What this says about price

A premium should reflect the cost of risk: age, place, model. Two brands of the same house share reserves, management, often services — and yet their prices differ by several hundred francs. What is left is a commercial position: an established brand costs more than one still looking for customers.

For you this means two things. First: switching inside a group can be enough to save a great deal. Second: check who owns the insurer you are leaving and the one you are joining — Switzerland counts 34 insurers, but fewer owners than logos.

The figures

The other studies

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• Where premiums have risen most since 2015
• What not comparing costs
• When the 2 500-franc deductible starts costing more
• The same law, four times cheaper
• The 270 postcodes where your postcode is not enough
• What "Callmed" actually means
• Your district neighbours do not pay your premium
• Twelve years of increases, insurer by insurer