What if you could pay less for better health coverage?
In Switzerland, health insurance is often the second-largest household expense after rent.
Every year, thousands of families pay hundreds of francs too much simply because they haven’t taken the time to review and compare the different options.
But here’s the truth: not all health insurance plans are the same.
Between models, deductibles, benefits, and supplemental coverage, the differences can be huge — both in cost and in the quality of protection you receive.
That’s exactly where I come in.
I’m Mathias Sudres, an independent insurance and pension advisor registered with FINMA.
My mission is simple:
to help you find the most suitable, complete, and cost-effective health insurance according to your real needs.
Each consultation is completely free, confidential, and without obligation.
Together, we perform a true personalized analysis, not just a generic online comparison.
I take the time to understand your lifestyle, your budget, and your priorities — to build a health insurance plan that fits you perfectly.
Full Comparison of All Major Swiss Insurers
I work independently with all the main Swiss health insurance providers, including:
Helsana, CSS, SWICA, Sanitas, Groupe Mutuel, Concordia, Atupri, Assura, Visana, and more.
This allows me to:
- compare all available premiums and plan models,
- highlight real differences in coverage,
- and find the best balance between protection and price for you.
You get a clear, neutral, and comprehensive overview of the market — without sales pressure or bias.
Supplemental Insurance: The Real Protection You Need
Basic health insurance (LAMal) covers only the essentials.
It’s through supplemental insurance (LCA) that you can truly protect yourself and your family:
- Private or semi-private hospital coverage
- Dental care, vision, alternative medicine
- Osteopathy, chiropractic, psychotherapy
- Preventive care, wellness, check-ups
- Maternity benefits and travel coverage
Each insurer has its own rules, exclusions, and reimbursement levels.
During your consultation, I’ll show you exactly which coverage makes sense — and what doesn’t, so you can save money without sacrificing protection.
Frequently Asked Questions — Health Insurance in Switzerland
It’s simple. You sign the new application, and your new provider usually takes care of the cancellation with the old one. ⚠️ For supplemental insurance, you must wait for the new insurer’s acceptance before canceling your current plan — to avoid any gap in coverage.
Yes, but only for supplemental insurance (LCA). It’s required for medical risk assessment. The basic LAMal insurance cannot refuse you — acceptance is mandatory for everyone.
You can change your basic insurance each year until November 30, with the new contract starting on January 1. A simple cancellation letter or a new application is enough.
Supplemental insurance usually requires three months’ notice, meaning you must cancel by September 30 to end on December 31. Always wait for the new insurer’s acceptance before cancelling the old policy.
Yes. You can keep your current basic plan and replace only certain supplemental modules — for example, hospital, dental, or alternative medicine.
No, not if it’s done properly. I personally make sure that your termination and new contract dates align perfectly, avoiding any overlap in premiums.
Each autumn, the Federal Office of Public Health (FOPH) publishes new premiums depending on your canton, age, and plan model. An annual review helps you avoid unjustified increases and seize better offers.
Yes, some companies may reject or restrict certain benefits based on your medical history. But there are strategies to work around refusals or find equivalent alternatives with other insurers.
No — I take care of everything for you. From comparison and applications to cancellations and follow-ups, I handle all administrative steps, ensuring everything is done correctly and on time.
I don’t work for any insurance company — I work for you. My role is to analyze the market, provide transparent advice, and support you long term. My service is completely free for you; I’m compensated by the insurers, without any impact on your premiums.
After rent, health insurance is usually the biggest household expense in Switzerland.
And yet, it’s often the one where you can save the most — without losing protection.
Take 30 minutes to get clarity.
A free, no-obligation consultation could save you hundreds of francs per year, while ensuring you and your family have the best health coverage available.
