Sanitas health insurance: premiums, strengths & an honest verdict
What Sanitas 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
Sanitas at a glance
Sanitas positions itself as an innovation leader among Swiss insurers: digital health services, telemedicine and above-average, flexible supplementary cover. For digitally minded people and international customers it is often an attractive, modern alternative to the very largest players.
- Insured
- around 860,000
- Head office
- Zurich
- Highlight
- innovation-led, strong digital services
- App
- symptom checker & telemedicine
Strengths & weaknesses — no marketing
In favour of Sanitas
- Modern app with symptom checker and telemedicine
- Flexible, well-combinable supplementary cover
- Innovative digital health services
- Solid satisfaction scores
Worth knowing
- Smaller than Helsana/CSS — less physical presence
- Premiums not consistently cheap
- Some top offers digital-only
Who is Sanitas for?
Digital-first customers who prefer to handle administration, telemedicine and health services entirely by app.
Is Sanitas right for you?We compare Sanitas with every insurer in your premium region, free and independent.→ Go deeper
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Sanitas — FAQ
Is Sanitas good for expats?
Its digital services and English-language offering make Sanitas attractive to international customers. As with all insurers: choose basic insurance by premium in your region, supplementary cover by benefits — we compare both for free.
How does Sanitas rank in satisfaction surveys?
Solid to good — usually above the industry average, but behind the leaders such as SWICA. It regularly scores highly on app ratings and digital services, though.
How do I switch to or away from Sanitas?
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.
Sanitas 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.
