Assura health insurance: premiums, strengths & an honest verdict
Assura is regularly the cheapest basic insurer in many premium regions — which is exactly why it appears at the top of premium comparisons. The low price comes with trade-offs worth knowing: Assura often uses the "tiers garant" system (you pay the doctor first and get reimbursed), and it has a reputation for stricter cost control on claims. For healthy people who rarely see a doctor, it can be an excellent-value choice.
Nicole Bohne
Insurance & Pension Advisor
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Assura at a glance
| Insured | around 1 million |
| Head office | Pully (Vaud) |
| Known for | consistently among the cheapest premiums |
| Model note | often uses the third-party-payer (tiers garant) system |
Strengths & weaknesses — no marketing
In favour of Assura
- Consistently among the cheapest basic-insurance premiums
- Good fit for healthy people with few claims
- Nationwide availability
- Simple, low-cost basic cover
Worth knowing
- Often third-party-payer: you pay bills first, then get reimbursed
- Reputation for strict claims handling
- Weaker on English-language service than SWICA
- Supplementary offering less comprehensive
Who is Assura for?
Healthy, cost-focused people who rarely need treatment and are comfortable with the pay-first-reimburse-later system — pure premium savers.
Go deeper
Assura — FAQ
Why is Assura so cheap?
Tight cost management, a lean product range and frequent use of the third-party-payer system keep premiums low. For basic insurance the legally mandated benefits are identical to every other insurer — you are trading service comfort for price.
What is the "tiers garant" system?
You receive the doctor’s bill yourself, pay it, and then claim reimbursement from Assura. It works, but it means you front the cost and handle the paperwork — worth knowing if you have regular treatments.
How do I switch to or away from Assura?
Basic insurance: cancel by 30 November by registered mail, switch from 1 January. Supplementary cover has its own deadlines (often 30 September) and health screening — never cancel before the new cover is confirmed. We can handle the switch for you.
Do I pay more premium through insurance-guide.ch?
No. Basic-insurance premiums are officially approved and identical whether you sign up directly or through us. We are paid by the insurers via commission; how that works is explained transparently on our advisory page.
