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ABSOLUTE COMPARISON 2026.THE BEST SUPPLEMENTARY INSURANCE.

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Who pays the most? We analyzed all Swiss supplementary insurances for you. Secure up to CHF 1,300 payout.

Duration: < 1 Minute • Free • No obligation

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Who Pays The Most?

Compare Swiss health insurance providers based on their annual fitness contributions and user ratings.

01

Swica

Annual ContributionCHF 1300.-
Rating
4.8
Products
3
Coverage
90
02

Helsana

Annual ContributionCHF 1000.-
Rating
4.5
Products
2
Coverage
75
03

CSS

Annual ContributionCHF 800.-
Rating
4.2
Products
2
Coverage
50
04

Visana

Annual ContributionCHF 800.-
Rating
4
Products
3
Coverage
100
05

Sanitas

Annual ContributionCHF 800.-
Rating
4
Products
2
Coverage
80
06

Groupe Mutuel

Annual ContributionCHF 800.-
Rating
3.8
Products
4
Coverage
75
07

Concordia

Annual ContributionCHF 600.-
Rating
3.8
Products
2
Coverage
75
08

Atupri

Annual ContributionCHF 400.-
Rating
3.5
Products
1
Coverage
50
09

ÖKK

Annual ContributionCHF 400.-
Rating
3.5
Products
1
Coverage
50
10

Sympany

Annual ContributionCHF 300.-
Rating
3.5
Products
1
Coverage
50
Prämien-Check 2025

Wie viel sparst du wirklich?

Wähle deine aktuelle Krankenkasse und sieh sofort, wie viel Geld für dein Fitnessabo reserviert ist.

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Key Takeaways: Supplementary Insurance Comparison 2026

  • Market Leaders: SWICA (up to CHF 1,300), Sanitas (up to CHF 800), CSS (up to CHF 800).
  • Profitability: In many cases, the insurance premium is lower than the annual gym refund you receive, resulting in a net profit.

The Definitive Supplementary Insurance Guide 2026: Focus on Fitness

COMMON QUESTIONS

Which supplementary insurance is best for fitness in 2026?+
SWICA is the leader with up to CHF 1,300 back. Sanitas is ideal for digital natives, while CSS offers great flexibility for families.
Is supplementary insurance expensive in Switzerland?+
Basic ambulatory plans start at CHF 15-20 per month. If you get a CHF 500 gym refund, the insurance effectively pays for itself.
When is the deadline to switch supplementary insurance?+
The deadline is September 30th for most companies. You must give 3 months' notice for the year-end.
Does supplementary insurance cover sports injuries better?+
Yes, plans with sports-specific modules often include better coverage for physical therapy, osteopathy, and specialized treatments.
Can I keep my current basic insurance and switch only the supplementary?+
Absolutely. You can choose different providers for KVG and VVG to optimize your costs.
Do I need a medical exam to join?+
Usually, a simple online health questionnaire is enough. However, insurers can reject applicants with chronic conditions.