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Health insurance

Health cover tailored to you, without paying for what you don't need.

Basic insurance under the Health Insurance Act (KVG/LAMal), deductibles, alternative models and supplementary insurance: we help you make the right choices at the right time.

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Why it matters

Very real situations.

Situation

You are rarely ill but have kept the CHF 300 deductible.

Consequence

You are probably paying a higher premium than necessary: a higher deductible can reduce your premium significantly.

Situation

You need to go into hospital for a planned operation.

Consequence

Without supplementary hospital insurance, you are treated in the general ward of a hospital in your canton, with no free choice of doctor.

Situation

You want to change supplementary insurer after a health problem.

Consequence

The new insurer can refuse you or impose reservations: never cancel your policy before you have received its acceptance.

What we cover

The essentials, explained simply.

Basic insurance (KVG/LAMal)

Compulsory for everyone living in Switzerland, with the same statutory benefits at every insurer.

The right deductible

In 2026, from CHF 300 to CHF 2'500 for adults: we work out the right level based on your actual healthcare costs.

Alternative models

Family doctor, HMO or telemedicine: lower premiums in exchange for a set first point of contact.

Hospital cover

General, semi-private or private ward: free choice of hospital and doctor, depending on the option chosen.

Alternative medicine

Part of it is reimbursed by basic insurance (recognised doctors); the rest falls under supplementary insurance.

Dental care

Not covered by basic insurance, apart from some exceptions: supplementary dental cover is best taken out early, especially for children.

Travel & abroad

Treatment and repatriation costs abroad, beyond what basic insurance covers.

Points to watch

The mistakes we see most often.

  • 01

    Cancelling supplementary insurance too soon

    Unlike basic insurance (KVG/LAMal), supplementary insurers, governed by the Insurance Contract Act (VVG/LCA), can refuse a client or exclude an illness. Never cancel before you have received the new insurer's written acceptance.

  • 02

    An incomplete health questionnaire

    Leaving out information can entitle the insurer to cancel the policy and refuse benefits. We help you fill it in correctly.

  • 03

    Missing the 30 November deadline

    To switch basic insurer on 1 January, your written cancellation must reach your health insurer by 30 November at the latest.

  • 04

    Choosing the wrong deductible

    A high deductible only pays off if you can cover the costs should you fall ill: up to CHF 2'500, plus a 10% co-payment capped at CHF 700 a year for an adult (2026).

Our method

Support in 4 steps, with no effort on your part.

  1. 01

    Analysis

    Your contracts, your needs, your goals: we carry out a full review.

    What you get

    A clear overview of your cover

  2. 02

    Comparison

    As an independent (non-tied) broker, we compare offers from many insurers, without bias.

    What you get

    The best offers, compared for you

  3. 03

    Set-up

    We handle the formalities, from cancellations to new contracts.

    What you get

    No admin for you to deal with

  4. 04

    Follow-up

    Claims, life changes, regular reviews: we stay by your side.

    What you get

    A dedicated point of contact, for the long term

  • Non-tiedIndependent broker
  • FINMARegistered · F01536191
  • +2'500Clients supported
  • 98%satisfaction rate
  • +10 yearsof experience

Frequently asked questions

Health insurance:your questions.

Our experts' answers to the questions we are asked most often.

In 2026:

  • Adults: CHF 300 (standard deductible), 500, 1'000, 1'500, 2'000 or 2'500.
  • Children: CHF 0 or from CHF 100 to 600.

On top of this comes a 10% co-payment, capped at CHF 700 a year for adults and CHF 350 for children.

Another question?

An adviser will answer you.

Book an appointmentWrite to info@brokerlink.ch

Let's talk about your situation.

A first conversation to review your situation and your needs.

Book an appointment

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Official sources

General information, as of 2026 — it does not replace personalised advice.