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Are you entitled to premium subsidies? We check for you.

In Switzerland, hundreds of thousands of people are entitled to premium subsidies (IPV) for their health insurance — and never apply. EVO Partners analyses your situation and handles all the paperwork.

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

Premium subsidies: a right that many people don't know about

  • Around 2.4 million people in Switzerland receive premium subsidies, but many don't know they're entitled
  • Eligibility criteria vary greatly from one canton to another, making the process complex
  • Forms and deadlines differ by canton — it is easy to miss the cut-off date
  • Income changes must be reported promptly, otherwise repayments may be demanded
  • Many households with children receive significantly more subsidies than expected

This service is right for you if…

You have a low to middle income and have never checked your entitlement to subsidies
Your family situation has changed (birth, separation, job loss)
You pay more than 10% of your income in health insurance premiums
You have recently arrived in Switzerland and are unfamiliar with the premium reduction system
You are self-employed with variable income and unsure of your eligibility
You have not applied for more than 2 years and your situation has changed

Our approach: full eligibility check and all paperwork handled

  • → We analyse your situation (income, household composition, canton) to determine your subsidy entitlement
  • → We calculate the estimated subsidy amount based on your canton's current scale
  • → We prepare your application and submit it to the relevant cantonal authority
  • → We alert you whenever a change in your situation requires updating your file
  • → We coordinate the subsidy application with your LAMal optimisation for maximum savings
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What we optimise for you

Save up to CHF 3'000/year

Depending on your canton and situation, subsidies can cover a significant portion of your monthly premiums.

Cantonal rules mastered

Each canton has its own scale. We know the rules for all German- and French-speaking cantons.

Deadlines respected

Premium subsidy applications have strict deadlines. We manage the calendar so no entitlement is lost.

Proactive updates

Any change in situation must be reported. We contact you annually to review your file.

Families & couples

Calculations for households with children are complex. We optimise the application for the whole household.

Combined with LAMal optimisation

Premium subsidies + insurer switch = maximum savings. We manage both simultaneously.

Common mistakes to avoid

  • ✗ Never checking eligibility because you think you're 'not poor enough'
  • ✗ Forgetting to update the application after a change in situation (birth, pay rise, move)
  • ✗ Missing the application deadline and losing subsidies for the entire year
  • ✗ Declaring incorrect income and risking a repayment demand
  • ✗ Not knowing that children may be entitled to subsidies independently from parents
  • ✗ Switching health insurer without informing the cantonal subsidy authority

Our step-by-step process

01

Analysis of your situation

20 min

We review your income, household composition and canton of residence to assess your subsidy entitlement.

02

Calculation and estimate

48h

We calculate the estimated subsidy amount according to your canton's scale and present the results.

03

Application preparation

1 week

We prepare all required documents and submit your application to the relevant authority.

04

Follow-up and renewal

Annual

We monitor your file and manage the annual renewal.

What our clients say

"I had no idea I was entitled to premium subsidies. EVO checked my situation and I now save CHF 135 per month on my premium. Simple and fast."

Sandra M.

Geneva

−CHF 1'620/year

"With three children, our premiums were enormous. Marc-Antoine filed the application for the whole family — we receive subsidies for ourselves and the children."

Russo Family

Vaud

−CHF 2'400/year

"I had just arrived in Switzerland and didn't know the system. EVO explained everything and handled all the paperwork. Very professional."

Thomas B.

Fribourg

−CHF 960/year

Ready to optimise your premium subsidies?

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

Book an appointment → +41 76 779 0449

Frequently asked questions

Premium subsidies (IPV) are granted to people whose income is below a threshold set by each canton. Generally, families with children, people on low incomes, social assistance recipients and certain self-employed individuals are eligible. Criteria vary by canton.

The amount varies greatly depending on your canton, income and household composition. It can range from a few dozen to several hundred francs per month. In Geneva, for example, a single person on a modest income can receive up to CHF 150–200/month in subsidies.

The application is made to the competent cantonal authority (often the cantonal social insurance or tax office). Forms and deadlines vary by canton. We handle the entire process on your behalf.

No, health insurance premium subsidies are not taxable. They directly reduce your monthly premiums and are not considered income.

Any significant change (birth, marriage, divorce, income variation, move) must be reported to the competent authority. This may result in an increase or decrease in subsidies. Failure to report may lead to repayment demands.

Marc-Antoine Segui

+41 76 779 0449
Free appointment →