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With the health insurance fund switching service from AXA you can choose your new basic insurance with just a few clicks. We take care of terminating your existing cover and carrying out the switch for you. That way you’ll save an average of CHF 456 per year.
It’s worthwhile taking a look at the cantons in order to save on health insurance fund premiums.
In 2025, our customers saved an average of CHF 456 on their basic health insurance premiums by using AXA’s free health insurance fund switching service in the fall of 2024. The chart shows how much you can save in your canton on health insurance premiums:
Find out more about the savings in our information sheet (in German) or in the complete AXA Switching Report (in German).
Comparing prices, obtaining quotations, terminating cover – all of this takes time. If you opt for supplementary health insurance with AXA, we will help you switch your basic insurance. It’s this easy:
All basic insurance policies in Switzerland have the same benefits but not the same premiums. Use the AXA health insurance fund comparison to find the right model for you.
Choose the basic insurance that best suits your needs in terms of the excess, service quality, and price.
Sit back – we’ll do everything else for you. With our switching service we handle the termination and switch of your basic insurance.
Choose AXA’s multiple-award-winning supplementary insurance and take advantage of unique services.
Health insurance is compulsory for persons residing in Switzerland. The scope of the benefits provided is regulated by law. Insured persons pay a monthly premium for basic health insurance that is calculated based on their age, the region in which they live, and their choice of insurance model.
The four most common basic insurance models are:
The basic type of compulsory basic insurance is the standard model, also known as the traditional model. With it, you have a choice of doctors, bus also pay the highest premium.
General practitioner model
As the name suggests, under the general practitioner model you first have to contact your general practitioner. Exceptions to this rule are gynecological preventive examinations, eye doctor checkups, and emergencies.
This is the model most frequently chosen by insured persons in Switzerland.
HMO model
An HMO practice consists of physicians, specialists, general practitioners, and therapists who provide medical treatment. Those insured under this model have to contact their HMO practice first, but benefit from lower premiums.
Telmed model
Under the Telmed model, your first point of contact is the telephone consultation hotline of your statutory health insurance provider. If necessary, they will refer you to a doctor’s office or a hospital.
The greatest potential savings lie in switching regularly to the most affordable basic insurance. You lose no benefits by doing this. Although the benefits are regulated by law and are exactly the same for all basic insurers, premiums sometimes differ significantly.
If you opt for supplementary health insurance from AXA, we will find the cheapest basic insurance for you every year – and we also take care of the paperwork thanks to our free health insurance fund switching service.
For more tips visit our blog on the topic of saving on health insurance premiums.
As the name implies, compulsory health insurance is mandatory for everyone residing in Switzerland. So, if you decide to terminate your current health insurance, you must register with a new health insurance provider before the end of the year.
