Health insuranceBasic & supplementary, compared
Life insuranceProtect your family and income
Car insuranceLiability, partial or full casco
Retirement & 3rd pillarTax-smart saving for later
Travel insuranceCancellation and care abroad
Home & liabilityContents and personal liability
Legal protectionBe ready before a dispute starts
Premium subsidiesCheck your cantonal subsidyPremium subsidy calculator Available soonFind out if your canton lowers your premiumHealth premium comparisonCompare premiums for your postcodeBasic insurance covers the same care with every insurer. The price doesn't. Extras vary even more. We compare both and help you choose what fits your life. Free and independent.
Switching basic insurance?Notice must reach your insurer by 30 November
Everyone living in Switzerland needs basic insurance. Supplementary insurance is optional: you add only the extras you want.
The cover is fixed by law. Your premium is not. These are the levers we look at with you.
Alternative models usually cost less than the standard model. In return you agree to start with a family doctor, a health centre or a medical hotline. Emergencies are always covered directly.
StandardSee any doctor or specialist directly.
Family doctorYour GP is your first point of contact.
HMOStart at a health centre.
TelemedicineCall a medical hotline first.The cover is fixed by law. Your premium is not. These are the levers we look at with you.
Alternative models usually cost less than the standard model. In return you agree to start with a family doctor, a health centre or a medical hotline. Emergencies are always covered directly.
StandardSee any doctor or specialist directly.Family doctorYour GP is your first point of contact.HMOStart at a health centre.TelemedicineCall a medical hotline first.The cover is fixed by law. Your premium is not. These are the levers we look at with you.
The deductible is what you pay yourself each year before your insurer contributes. A higher deductible lowers your premium; a lower one protects you if you need care often.
After the deductible you pay 10% of further costs, up to CHF 700 a year for adults. Children: deductible from CHF 0 to 600.
The cover is fixed by law. Your premium is not. These are the levers we look at with you.
Because the law fixes what basic insurance pays, insurers compete on price and service. Premiums for identical cover can differ noticeably in the same region, so comparing is worth it.
The cover is fixed by law. Your premium is not. These are the levers we look at with you.
If you work at least 8 hours a week for one employer, accidents are already covered through your job. You can then remove accident cover from your basic insurance and lower your premium.
Nobody needs every extra. We look at what you actually use and leave out the rest.
Basic insurance pays for almost no routine dental care.
Worth a look if you want help with check-ups or treatment.
For adults, basic insurance generally doesn’t pay for them.
Worth a look if you wear glasses or lenses.
A semi-private or private room and more choice of doctor in hospital.
Worth a look if privacy in hospital matters to you.
Emergency costs abroad that go beyond what basic insurance pays.
Worth a look if you travel outside Europe.
Therapies that basic insurance doesn’t cover.
Worth a look if you use them regularly.Some products contribute to check-ups or fitness.
A nice extra, rarely a reason on its own.
They may decline an application or exclude conditions. That’s why we never ask you to cancel existing supplementary cover until the new one is confirmed.
This first check asks no health questions at all.
No rush. These dates simply decide when a change can take effect.
Tell us your situationA few questions, about 3 minutes. No health questions.
Your adviser comparesBasic and supplementary options across insurers, explained in plain words.
You decide, we handle itApplications and cancellations are done for you. Nothing changes without your signature.Published on evo-partners.ch. Individual results; your situation may differ.
Marc-Antoine helped me save 620 CHF a year on my health insurance. Simple, fast, and truly with no commitment.
Finally a broker who explains things clearly. I switched insurer and model in a week.
I didn’t know I was entitled to premium subsidies. Thanks to EVO Partners, I now receive 170 CHF/month.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
No. Every insurer must accept you for basic insurance, whatever your age or health. That is not the case for supplementary insurance.
Not in this first check. If you later apply for supplementary insurance, the insurer will usually ask health questions. We prepare you for that and explain what it means before you apply.
The check and the advice are free for you. We explain how we are paid before you decide anything.
With the standard model, yes. With a family doctor or HMO model it depends on whether your doctor is on the insurer’s list. We check that for you.
Yes. Many people keep supplementary insurance with one insurer and choose a cheaper basic insurance elsewhere.
Basic insurance: your notice must reach the insurer by 30 November to switch on 1 January. Supplementary insurance follows the notice period in your contract.
No. You get a personal comparison and decide in your own time. Nothing is cancelled or signed without your explicit agreement.
Three minutes. No health questions. A person reads every request.
