Close Icon
icon
Calculator
icon
Contact

Young adults

Have you just celebrated your 18th birthday, or are you turning 18 in the next few months? That means big changes for us as well, because for the purposes of health insurance, you stop being a «child» and become a «young adult» on the 1 January following your 18th birthday. This transition to a new rate is stipulated by law, and applies no matter which Swiss health insurer you are with. Read on to find out what you need to bear in mind, why your premiums are going up, and what advantages SWICA has to offer you.

What you now need to bear in mind

We want to be your guides to the world of health insurance, because the only way that we can work together as equals is if you feel well-informed and secure. You should start thinking about the six points below. Look at them with your parents as well. Before you get started, we should say that on this page you will probably come across some terms that you have never heard before. To help us understand each other, SWICA has compiled a glossary to shed some light on the jargon and explain how things work.

1 Your policy

2 Accident insurance yes or no?

3 Set your excess

4 Administration

5 Review your insurance

6 Set up a SWICA account and install the apps



Any questions?
You might find the answer you're looking for elsewhere on this website, or at least in the frequently asked questions. In any case, please feel free to get in touch at any time. We're happy to help.

Contact us

Sudden increase in costs

Your health insurance becomes more expensive on 1 January following your 18th birthday. The premiums go up because you enter a different age bracket (from «child« to «young adult»). The Federal Health Insurance Act (KVG) stipulates financial relief for families with children below the age of majority. That is why health insurers are able to offer discounts on their premiums for children and young people. These discounts no longer apply when they reach adulthood. We cannot say how much more expensive the premiums will become until October, which is when we know what the premiums for the new year will be. Essentially, though, you can expect your premium to more than double. Of course, this depends to a large extent on the insurance products you choose, your chosen excess, and also where you live.

Save money with these tips

Perhaps you will already start paying your premiums yourself next year. In the following, SWICA has put together the best tips for saving money in order to make it stretch further. Even if you are still getting financial support from your parents, we want to show you (and your parents) the best ways to save money.

Consider whether a more affordable basic insurance plan would be suitable for you

The higher the excess, the lower the premiums

Live a healthy life with BENEVITA

Check whether you qualify for a discount

SWICA's group partnerships

A paper-free insurance provider

SWICA provides three free apps to simplify your insurance affairs. We communicate with you paper-free as soon as you have a SWICA account.


mySWICA

In the mySWICA app, you will find all of your important documents such as premium and benefit statements, or your current policy. You can use the app to conveniently scan invoices, submit them online, and see what you are owed within a short space of time. Updating your personal details is also easy at any time using the app.

   


SWICA BENEVITA

The BENEVITA app uses fun challenges to motivate you to exercise regularly, relax more and eat healthily. The points you earn benefit you twice over, because you live a healthier lifestyle and also profit from great offers as well as discounts on the premiums for certain supplementary insurance plans.

   


SWICA BENECURA

The BENECURA app gives you access to a range of services, including the SymptomCheck, which was developed by doctors to provide personalised recommendations, and the Health Dossier for the secure storage of your documents. The app also offers the PreventionCheck for concrete check-up recommendations and the "Ready for doctor" feature to help you prepare independently for appointments.

   

Glossary

The world of health insurance has its own language. We want to help you get familiar with it so that you can feel completely confident when talking about health insurance. Swipe your way through the different terms and you'll soon achieve fluency.

Frequently asked questions

Still not fully in the picture? Or do you have a specific issue? Follow the link below to find SWICA's answers to the questions most commonly asked by young adults – and perhaps yours as well.

Go to the FAQ

Switch to SWICA now

Would you like a health insurer at your side who is also your partner for matters relating to your health? Then you've come to the right place! SWICA looks forward to hearing from you.

Contact SWICA

SWICA – No. 1 for customer satisfaction in multiple rankings