Health insurers compared

CSS

CSS is one of Switzerland's largest health insurers and was founded as a mutual aid organisation. With over 1.5 million policyholders and 94 agencies throughout Switzerland, it offers comprehensive basic and supplementary insurance. In 2025, CSS was named Switzerland's most trusted health insurer (Most Trusted Brand 2025).

SWICA

SWICA is a leading Swiss health organisation and, with around 1.6 million policyholders, ranks among the country's largest health insurers. SWICA stands out for its holistic approach to health, focusing on prevention, health promotion and innovative digital solutions.

Helsana

The Helsana Group is Switzerland's largest health insurer, with around 2.2 million policyholders. The group comprises Helsana, Progrès and Sansan. Helsana offers a broad range of supplementary insurance — from outpatient add-ons through hospital to dental — and is known for its extensive product portfolio.

Visana

With around 740,000 insured members, the Visana Group is one of Switzerland's major health insurers. The group includes Visana, vivacare and sana24. Its headquarters are located in Bern. Visana offers a broad portfolio of supplementary insurance plans, including outpatient, hospital, dental and complementary medicine.

CONCORDIA

CONCORDIA is a long-established Swiss health insurer headquartered in Lucerne. Organized as an association, it is owned by its policyholders and pursues no profit motive. With around 580'000 policyholders, it offers a focused portfolio of supplementary insurance with a strong emphasis on alternative medicine.

Sanitas

Sanitas is one of the larger Swiss health insurers, headquartered in Zürich. With around 840'000 insured members, Sanitas offers an innovative portfolio of supplementary insurance, distinguished by the Liberty concept for hospital insurance — flexible choice of hospital worldwide.

Atupri

Atupri is a mid-sized Swiss health insurer with around 200'000 insured members. Atupri positions itself as a digital and straightforward insurer with a clear, well-structured product portfolio. The Atupri group includes the brands Mivita (outpatient), Comforta (combined), Spital and Denta.

Assura

With over 1.1 million policyholders, Assura is one of the largest Swiss health insurers. The company is organised as a cooperative and is known for its low basic insurance premiums. In the supplementary insurance segment, Assura offers a focused portfolio built around the Optima system for hospital insurance.

Groupe Mutuel

With around 1.3 million policyholders, Groupe Mutuel is one of the largest insurers in Switzerland. Headquartered in Wallis, the company brings together several insurance brands under one roof and, alongside health insurance, also offers life and property insurance.

innova

Die innova Versicherungen AG mit Sitz in Gümligen (Muri bei Bern) ist ein reiner Zusatzversicherungs-Spezialist (VVG). Aus einer 1993 gegründeten Arbeitsgemeinschaft der Berner KUKO-Krankenkasse hervorgegangen, wurde die innova Versicherungen AG 1996 als eigenständige Gesellschaft etabliert. 2013 stieg innova aus der Grundversicherung (KVG) aus und übertrug rund 38'000 Grundversicherte an die Visana-Gruppe, um sich ausschliesslich auf Krankenzusatzversicherungen zu konzentrieren. Das Unternehmen gehört über die innova Holding AG vollständig der innova Stiftung (Muri bei Bern) und ist damit nicht gewinnorientiert im klassischen Sinn. innova gilt als Pionierin der Schweizer Nichtraucher-Versicherung (sanvita, seit 1994) und der flexiblen Spitalzusatzversicherung (switch). Die Erträge aus dem versicherungstechnischen Geschäft beliefen sich 2025 auf rund 99 Millionen Franken bei einer SST-Solvenzquote von 412 Prozent.