{"id":10884,"date":"2025-09-01T07:43:33","date_gmt":"2025-09-01T07:43:33","guid":{"rendered":"https:\/\/simply.ch\/health-insurance-for-young-people\/"},"modified":"2026-01-06T11:02:22","modified_gmt":"2026-01-06T11:02:22","slug":"for-young-people","status":"publish","type":"page","link":"https:\/\/simply.ch\/en\/for-young-people\/","title":{"rendered":"For Young People"},"content":{"rendered":"\t\t
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The optimal health insurance for young people with simply<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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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. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Young\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Your situation from 18<\/span> \u2013 the most important things at a glance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Self-responsibility<\/div>

From your 18th birthday, you are officially responsible for your health insurance. Premiums and invoices go directly to you \u2013 whether your parents continue to pay or not. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Health insurance change<\/div>

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. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Premiums and age groups<\/div>

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\u201325% (depending on the canton). However, the premium only increases on January 1 following your birthday. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\"Check\"<\/figure>
Own policy or family contract<\/div>

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. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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What you should know about<\/span> health insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Basic and<\/span> supplementary insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Basic insurance<\/strong> is mandatory and covers costs for doctors, hospitals, and physiotherapy. <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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More information here:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Supplementary insurances<\/strong> are supplementary to basic insurance and pay for glasses, fitness, emergencies abroad, etc.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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More information here:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Cost participation<\/span> \u2013 deductible, co-payment & hospital contribution<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Deductible<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your chosen deductible per year (e.g. CHF 2,500; the higher the deductible, the lower the premium).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Hospital contribution<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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CHF 15 per day, except for those in education up to the age of 25, children, and maternity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Co-payment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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10% of the costs above the deductible, maximum CHF 700 per year.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Accident insurance<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Do you work less than 8 hours a week? Then you need accident insurance with your health insurance company. <\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Check\"<\/figure>
During an apprenticeship you are automatically insured against accidents by your employer. Excluding this coverage saves 7% on the premium. <\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Your saving tips as a<\/span> young person<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\"Check\"<\/figure>
Choose a cheap basic insurance model (e.g. KPTwin.easy)<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Check\"<\/figure>
Choose a higher deductible<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Check\"<\/figure>
Exclude accident insurance, if possible<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Check\"<\/figure>
Check whether you get a premium reduction (depending on the canton)<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Check\"<\/figure>
Pay the premium for half or a whole year in advance (discount)<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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We're here<\/span> to help video consultation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Personal, digital, flexible: our video consultation answers your questions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t<\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\tBook your video consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"simply-home-video\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Frequently asked questions<\/span> <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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1. How much more expensive will health insurance be from 18?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

Up to 18: up to 77% discount. 19\u201325: still 19\u201325% discount (depending on the canton). From 26 you pay the adult premium. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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2. When can I change health insurance?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

Always on January 1 \u2013 cancellation must be with your health insurance by November 30.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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3. Am I liable for outstanding bills from childhood?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

No. Only from your 18th birthday are you responsible for new invoices. <\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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4. What is a policy?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

Your contract and ID that shows how and with whom you are insured.<\/p>\n<\/div>\n\t\t\t\t\t<\/div>

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5. How can I save?<\/h3><\/path><\/g><\/rect><\/clipPath><\/defs><\/svg><\/span><\/div>

See above \u2013 deductible, model, exclude accidents, apply for premium reduction.<\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

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. Request quote Your situation from 18 \u2013 the most important things at a glance Self-responsibility From your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-10884","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nHealth insurance for young people \u2013 advice by simply<\/title>\n<meta name=\"description\" content=\"Discover health insurance for young people with simply: independent advice, easy comparison and flexible solutions via our partner insurers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/simply.ch\/en\/for-young-people\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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