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Are you overpaying for your health insurance?

In Switzerland, 70% of policyholders pay more than necessary for identical coverage. EVO Partners compares all insurers and helps you save – without losing any rights.

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⭐ 4.9/5 · Over 1'250 clients assisted in Switzerland

Swiss health insurance: an opaque system that penalises policyholders

  • LAMal premiums vary by up to 40% between insurers for strictly identical coverage
  • Switching independently is complex: deadlines, registered letters, risk of double premiums
  • Deductibles, alternative models (HMO, Telmed) and discounts are poorly explained
  • Many policyholders don't know they can switch every year before 30 November
  • Online comparison portals only show partner offers – not the full market

This service is right for you if…

You haven't changed insurer in over 3 years
You pay more than CHF 350/month in LAMal premiums
You don't know whether your deductible is optimal for your situation
You're a family looking to optimise for all members
You've just arrived in Switzerland and need to choose an insurer for the first time
Your employer doesn't help you choose and you lack reference points

Our approach: comprehensive, independent and free analysis

  • → We compare the entire market (all approved insurers in Switzerland) – not just our partners
  • → We analyse your profile: age, canton, health status, expected medical use
  • → We recommend the optimal deductible and the right model (standard, HMO, Telmed, family doctor)
  • → We handle the entire switching process for you: cancellation, enrolment, confirmation
  • → We check every year whether your situation has changed and whether optimisation is possible
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What we optimise for you

Monthly premium optimisation

By switching insurer and model, our clients save an average of CHF 780 per year.

Ideal deductible choice

A deductible that is too low or too high costs money. We calculate the optimal threshold for your profile.

Alternative models (HMO, Telmed)

These models offer up to 20% discount. We explain which ones suit your lifestyle.

Family optimisation

Each family member has a different profile. We optimise the premium for each person separately.

Managing legal deadlines

Every missed deadline costs a year of excess premium. We manage the dates for you.

Annual follow-up included

Every autumn we reassess your situation before the 30 November deadline.

Common mistakes to avoid

  • ✗ Staying with the same insurer out of loyalty or fear of administrative complexity
  • ✗ Choosing the lowest deductible by default, without calculating the real break-even point
  • ✗ Ignoring alternative models (HMO, Telmed) that offer significant discounts
  • ✗ Only comparing via online portals that show only their paying partners
  • ✗ Forgetting to cancel before 30 November and missing the annual switching window
  • ✗ Not reconsidering coverage after a change of canton or family situation

Our step-by-step process

01

Initial contact & information gathering

5 min

You share your current situation with us (insurer, premium, deductible, canton, number of people). Takes 5 minutes.

02

Market analysis

24–48h

We compare all available insurers in your canton and identify the best options for your profile.

03

Presenting recommendations

30 min

We present you with 2–3 best options with a clear explanation of the savings and coverage differences.

04

Complete change management

1 week

On your agreement, we handle the entire administrative process: registered cancellation, new enrolment, written confirmation.

What our clients say

"I had been paying CHF 480 per month for 4 years without ever comparing. Marc-Antoine found an equivalent insurer at CHF 404. The switch took less than a week."

Sophie M.

Geneva

−CHF 920/year

"By switching to the Telmed model, I save CHF 53 every month with no inconvenience in my daily life. Highly recommended."

Thomas K.

Zurich

−CHF 640/year

"For our family of 4, the overall optimisation represents over CHF 150 in monthly savings. The service is free and the support is impeccable."

Berger Family

Bern

−CHF 1'840/year

Ready to optimise your health insurance (lamal)?

Free analysis · No commitment · Reply within 24–48h

Book an appointment → +41 76 779 0449

Frequently asked questions

Yes, entirely. We are remunerated by the insurers in the form of a commission regulated by FINMA. This commission does not change your premium – it is paid independently of your choice.

No. As a general rule, you can switch on 1 January by cancelling before 30 November of the previous year. A switch on 1 July is possible if you notify before 31 March. In the event of an announced premium increase, a special right of cancellation applies.

Since LAMal is compulsory insurance, no insurer can refuse you for health reasons. Ongoing treatments are covered from the first day by the new insurer. There is no risk in switching.

For basic LAMal insurance: yes. All insurers are required to cover exactly the same benefits, defined by federal law. Only the premium amount differs. Supplementary insurance (VCA) can however vary.

From initial contact to confirmation of the switch, allow 1 to 2 weeks. The analysis and recommendation are available within 24 to 48 hours.

We have agreements with most major insurers (Helsana, CSS, SWICA, Assura, Sympany, Concordia, Visana, KPT and others). In rare cases where an insurer is not a partner, we will advise you on how to proceed directly.

Marc-Antoine Segui

+41 76 779 0449
Free appointment →