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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.

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Last updated: July 2026

Who Pays The Most?

Compare Swiss health insurers by their annual fitness contribution.

01

Swica

Annual ContributionCHF 1300.-
Products
3
Coverage
90
02

CSS

Annual ContributionCHF 800.-
Products
1
Coverage
100
03

Helsana

Annual ContributionCHF 800.-
Products
3
Coverage
100
04

Sanitas

Annual ContributionCHF 800.-
Products
5
Coverage
80
05

Atupri

Annual ContributionCHF 500.-
Products
4
Coverage
75
06

Groupe Mutuel

Annual ContributionCHF 500.-
Products
2
Coverage
50
07

ÖKK

Annual ContributionCHF 400.-
Products
1
Coverage
50
08

Rhenusana

Annual ContributionCHF 400.-
Products
3
Coverage
75
09

Egk

Annual ContributionCHF 360.-
Products
1
Coverage
100
10

Axa

Annual ContributionCHF 300.-
Products
2
Coverage
75
11

Glarner

Annual ContributionCHF 300.-
Products
3
Coverage
50
12

KPT

Annual ContributionCHF 300.-
Products
3
Coverage
100
13

SLKK

Annual ContributionCHF 300.-
Products
3
Coverage
50
14

Sympany

Annual ContributionCHF 300.-
Products
2
Coverage
100
15

Innova

Annual ContributionCHF 250.-
Products
1
Coverage
75
16

Concordia

Annual ContributionCHF 200.-
Products
1
Coverage
50
17

Sodalis

Annual ContributionCHF 200.-
Products
1
Coverage
50
18

Sumiswalder

Annual ContributionCHF 200.-
Products
1
Coverage
100
19

Visana

Annual ContributionCHF 200.-
Products
1
Coverage
100
Prämien-Check 2025

Wie viel sparst du wirklich?

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

Dein Sparpotenzial
CHF 0.-
pro Jahr zurückerstattet

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.