Assura health insurance: premiums, strengths & an honest verdict
What Assura costs for basic insurance, where it is strong and who it suits: based on official FOPH premiums, with no sponsorship.
*Adult, deductible CHF 2,500, no accident, cheapest model. Official 2027 FOPH premiums. Compare with the cheapest insurer
Assura at a glance
Assura is a basic insurer with a clear price focus, and in some premium regions it is among the cheapest. For a long time Assura used the "tiers garant" system (you pay the bill first and claim it back). Since March 2024 doctors, pharmacies and labs can send their invoices directly to Assura; you then receive a statement and a bill for your deductible and co-payment. Some providers still bill you directly. In customer surveys Assura has come last at Comparis three years running.
- Insured
- 722,000 in basic insurance, 832,000 in total (1 Jan 2026)
- Head office
- Pully (Vaud)
- Billing
- since March 2024 doctors, pharmacies and labs can bill Assura directly
- Satisfaction
- Comparis 2026: 4.7 out of 6, lowest of 18 insurers
Strengths & weaknesses — no marketing
In favour of Assura
- Low premiums in some premium regions (see the premium table)
- Direct billing by doctors, pharmacies and labs since March 2024
- Several low-cost managed-care models, including a pharmacy model
- Free specialist-finding service (BetterDoc) for all insured
Worth knowing
- Lowest satisfaction score at Comparis in 2024, 2025 and 2026
- Basic-insurance solvency of 102 % against a market average of 147 % (1 Jan 2025)
- Some providers still bill you first, and some pharmacy discounts apply only if you pay at the counter
- Supplementary insurance excludes conditions that exist when you apply
Who is Assura for?
Cost-focused people who rarely need treatment and compare premiums carefully for their region. If service and supplementary cover matter to you, compare the alternatives first.
Is Assura right for you?We compare Assura with every insurer in your premium region, free and independent.→ Go deeper
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Assura — FAQ
Do I have to pay doctor bills myself at Assura?
Mostly not any more. Since March 2024 Assura pays invoices from doctors, pharmacies and labs directly when they send them to Assura; you get a copy and later a bill for your deductible and co-payment. If a provider bills you instead, you pay and submit the invoice via the app, the portal or by post.
Why is Assura cheap in some regions?
Premiums are set per insurer and region, so no insurer is cheapest everywhere. For basic insurance the legally mandated benefits are identical at every insurer. Check your own postcode in the premium calculator before switching.
How do I switch to or away from Assura?
Basic insurance: your cancellation must reach the insurer by 30 November (registered mail is safest), and you switch from 1 January. With the CHF 300 deductible and the standard model you can also switch for 1 July if your notice arrives by 31 March. Supplementary cover follows the policy terms; by law you can cancel at the end of the third policy year and every year after that with three months’ notice (Art. 35a VVG). New supplementary cover involves health questions, so 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.
Assura or another insurer? We compare them all for your postcode.
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
