Premium Reduction

How to Obtain a Premium Reduction for Health Insurance

Individuals with limited financial resources are not required to pay the full health insurance premium. If certain income thresholds are not exceeded, it is possible to apply for a premium reduction. This guide explains who is eligible and the necessary steps. Additionally, comparing health insurance companies can bring significant savings, sometimes over a thousand Swiss Francs annually.

Are You Eligible for a Premium Reduction?

Those whose financial situation is considered modest have a right to a premium reduction. The household income and the number of children are decisive, with income limits varying by canton. Often, authorities proactively inform about potential eligibility.

In the canton of Zurich in 2020, the following income limits applied for a premium reduction:

Couples/Partnerships without children: A maximum taxable total income of CHF 49,200.
With children: Up to CHF 49,200 for couples/partnerships, with premium reduction for minor children at incomes between CHF 49,300 and CHF 62,900.
Single parents: Up to CHF 41,600, with premium reduction for minor children at incomes between CHF 41,700 and CHF 62,900.
Individuals: Up to CHF 36,300 taxable income.

The total assets must not exceed CHF 300,000 (CHF 150,000 for individuals). Normally, the SVA sends an application form by the end of July, which should be filled out and returned. If you do not receive the form, contact your SVA.

Applying for Premium Reduction: What You Need to Know

Typically, the Social Insurance Office (SVA) of your canton sends out the application forms for the premium reduction by the end of July at the latest. Young adults who have reached the age of 18 receive a form even if they still live with their parents. They are encouraged to fill out this form carefully and return it signed to the SVA within two months. Young adults still in education should also attach valid proof of their education, such as a current matriculation certificate or a school certificate, to the application.

The amount of the premium reduction depends on the place of residence, income, and age and applies exclusively to basic insurance.

How the Payment Works

The SVA forwards the premium reduction directly to your health insurance company, which then offsets it against your premiums. In case of a switch, the previous insurance informs the SVA. A separate notification to the SVA is not required.

The amount of the premium reduction depends on the place of residence, income, and age and only affects basic health insurance.

Optimize your basic insurance premium: compare now!