The optimal health insurance for young people with simply
From 18, you are in control of your health insurance. simply makes it easy for you to switch to KPT, answers your questions, and helps you save premiums cleverly.
Your situation from 18 – the most important things at a glance
From your 18th birthday, you are officially responsible for your health insurance. Premiums and invoices go directly to you – whether your parents continue to pay or not.
You can change your health insurance every year on January 1. Condition: You have no outstanding invoices (from your 18th birthday). Outstanding invoices from before are not your problem.
From 19 there is less of a discount: Until the age of 18 you had a discount of up to 77% with KPT; between 19 and 25 it is still 19–25% (depending on the canton). However, the premium only increases on January 1 following your birthday.
You can choose whether you want to continue with the family contract or want your own policy (insurance card). Advantage of individual policy: You get direct access to the KPT customer portal and the app. But: You are always responsible for your bills from the age of 18.
What you should know about health insurance
Basic and supplementary insurance
Basic insurance is mandatory and covers costs for doctors, hospitals, and physiotherapy.
More information here:
Supplementary insurances are supplementary to basic insurance and pay for glasses, fitness, emergencies abroad, etc.
More information here:
Cost participation – deductible, co-payment & hospital contribution
Deductible
Your chosen deductible per year (e.g. CHF 2,500; the higher the deductible, the lower the premium).
Hospital contribution
CHF 15 per day, except for those in education up to the age of 25, children, and maternity.
Co-payment
10% of the costs above the deductible, maximum CHF 700 per year.
Accident insurance
Your saving tips as a young person
We're here to help video consultation
Personal, digital, flexible: our video consultation answers your questions.
Frequently asked questions
1. How much more expensive will health insurance be from 18?
Up to 18: up to 77% discount. 19–25: still 19–25% discount (depending on the canton). From 26 you pay the adult premium.
2. When can I change health insurance?
Always on January 1 – cancellation must be with your health insurance by November 30.
3. Am I liable for outstanding bills from childhood?
No. Only from your 18th birthday are you responsible for new invoices.
4. What is a policy?
Your contract and ID that shows how and with whom you are insured.
5. How can I save?
See above – deductible, model, exclude accidents, apply for premium reduction.
VAG simply 