Health insurers compared

SWICA

SWICA is a leading Swiss health organisation and, with around 1.6 million insured persons, 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.

CONCORDIA

CONCORDIA is a long-established Swiss health insurer headquartered in Lucerne. Organised as an association, it is owned by the people it insures and is not profit-oriented. With around 580,000 insured persons, it offers a focused portfolio of supplementary insurance with a strong emphasis on alternative medicine.

Groupe Mutuel

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

innova

innova Versicherungen AG, based in Gümligen (Muri bei Bern), is a pure supplementary insurance specialist (VVG). It emerged from a working group set up by the Bernese health insurer KUKO in 1993; innova Versicherungen AG was established as an independent company in 1996. In 2013 innova withdrew from basic insurance (KVG) and transferred around 38,000 people with basic insurance to the Visana Group in order to focus exclusively on supplementary health insurance. Through innova Holding AG, the company is wholly owned by the innova Foundation (Muri bei Bern) and is therefore not profit-oriented in the conventional sense. innova is regarded as the pioneer of Swiss non-smoker insurance (sanvita, since 1994) and of flexible hospital supplementary insurance (switch). In 2025, income from its insurance business amounted to around CHF 99 million, with an SST solvency ratio of 412 percent.

Sympany

Sympany is a Swiss health and accident insurer headquartered in Basel. Its predecessor, the Öffentliche Krankenkasse (ÖKK) Basel, was founded on 1 October 1914; the company has operated under the name Sympany since 2008. The group belongs to the Sympany Foundation (Stiftung Sympany), which holds its stakes through Sympany Holding AG. Basic insurance (KVG) is offered by Vivao Sympany AG, with which Moove Sympany AG and Kolping Krankenkasse AG were merged as of 1 January 2024. The carrier of the supplementary insurance (VVG) is Sympany Versicherungen AG. On 1 January 2026 Sympany had 317,544 private customers, 267,260 of them in basic insurance. Its range includes the outpatient supplementary insurances plus and premium (each also as natura), the hospital supplementary insurances hospita, among them hospita flex and hospita privat unfall, and the dental insurance dental.