Assura health insurance
Services and advice at selected Swiss Post branches

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It’s not always easy to find a good health insurance company. That’s why Assura is coming to your Swiss Post branch to offer you the best advice. We ensure that the costs associated with an illness do not cause our customers any financial difficulties. Thanks to our precise cost and invoice checks and our transparent communication, we can offer you favourable premiums over the long term. 1.1 million customers already place their trust in Assura.

Modular insurance solutions
The easy digital way
Favourable premiums over the long term

Exactly what you need when you need it

Basic insurance

Alternative models
Telemedicine
Advisory service

Find out more

Supplementary insurance

Travel insurance
Supplement to basic insurance
Lump sum payment in the event of hospitalization

More information

Nothing could be simpler than joining Assura

Find out more from our advisors at a Swiss Post branch or at assura.ch.
Calculate your premium and choose your insurance model.
Enter your personal details.
With basic insurance, there is no health questionnaire and therefore no restrictions.
Done.
Your insurance cover runs until the end of the calendar year and we’ll send you a document containing all the information about your insurance.

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Assura is there for what matters

Since its foundation in 1978, Assura has been committed to providing a high-quality and efficient healthcare system; a system that focuses on what matters, enables equal opportunities for health care for all, and at the same time supports the efforts of all stakeholders to reduce healthcare costs.

Specifically, this means:

For you:

You keep an eye on your health expenses, don’t go to the doctor for minor things and pay for your medicines yourself first and then apply for reimbursement.

For us:

We offer you a service that meets your needs, and check invoices and costs carefully.
We provide transparent information so that you can make informed insurance decisions.
We favour measures that promote the personal responsibility of the insured person, such as high deductibles and the “tiers-garant” principle.

Frequently asked questions

In Switzerland, all health insurers offer the same deductibles. The deductible is a fixed amount that you must pay yourself in addition to the monthly premiums before Assura reimburses your care costs. When the full extent of your deductibles is reached, you only pay 10% of the total invoice amount, limited to CHF 700 for adults and CHF 350 for children: this is the retention fee. The deductibles for adults amount to between CHF 300 and CHF 2,500. The amount of the deductible affects the monthly premium.

Medical benefits in the event of illness, accident and maternity are governed in Switzerland by the Health Insurance Act (KVG). All health insurers provide the same services, but the different health insurers’ premiums vary. To save on premiums, you can choose an alternative insurance model for your basic insurance.

At Assura, we offer five alternative models for basic insurance. The services are the same for all models. These models differ only in the choice of first point of contact and access to pharmacies. You can find information on our alternative insurance models on our website under “Versicherung” (“Insurance”).

The PharMed, Family doctor and QualiMed models are our most popular alternative models.

In the case of the “tiers-garant” or “tiers-payant” system, the same benefit amounts are reimbursed; the difference lies only in the procedure. These are two different remuneration systems: with one, you pay the costs in advance (“tiers garant”), and with the other, the insurer pays the amount directly to the service provider and then sends you an invoice (“tiers payant”). At Assura, we apply the “tiers garant” principle, because it avoids unnecessary administrative costs and promotes the personal responsibility of our insured persons. Thanks to the ‘tiers-garant’ system, we can offer favourable premiums over the long term. You pay for the doctor’s visits or medication yourself initially and then send us your care costs for reimbursement. You can easily upload your invoices and receipts in the Assura app or in the customer area of our website, or send them in by post.

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Assura health insurance Services and advice at selected Swiss Post branches