Attractive health insurance offers for you

Migros does not offer health insurance itself. Instead, it has negotiated attractive framework agreements with several insurance providers that will take effect on 1 January 2027. These offers are available to Migros Group employees. The most suitable insurance depends on individual needs, which is why Migros does not recommend any specific health insurance company. Employees are responsible for reviewing the available offers and contacting the health insurance provider directly if interested. 

Thanks to the size of the Migros Group, we have been able to negotiate attractive conditions with leading health insurance providers. As a result, all employees can benefit from advantageous discounts on supplementary insurance plans.   

Yes. In principle, apprentices as well as employees under the age of 18 can also benefit from the health insurers’ offers. In many cases, this also applies if you are insured under your parents’ health insurance policy.

The exact eligibility requirements and benefits may vary depending on the insurer and the offer. We therefore recommend that you contact the respective health insurer directly to obtain information about the conditions that apply to your situation.

Health insurance providers may generally adjust their conditions annually (effective 1 January), for example due to economic, legal or regulatory changes. In such cases, insurance companies are required to inform their contractual partners accordingly.

No. Any contact and contractual relationship is established directly between you and the insurance provider. No information is reported back to Migros.

Migros is not involved in the billing process. Premium payments and any related costs are handled directly between you and your health insurance provider.

In most cases, you can choose from various payment methods, such as payment slip (by post or email), eBill or direct debit (LSV).

As a general rule, if you are no longer employed by Migros, you are no longer entitled to employee discounts. Please inform your insurance provider when you leave the Migros Group. Your insurance contract remains directly between you and the insurance provider.

Yes. Basic health insurance is compulsory for everyone residing in Switzerland.

Basic insurance is required by law, and the benefits covered (e.g. treatment for illness and maternity) are essentially the same across all health insurers.

Differences in basic insurance mainly relate to premiums, services provided, claims and billing processes as well as insurance models.
Supplementary insurance is voluntary and covers additional benefits, such as contributions towards gym memberships, alternative medicine and semi-private or private hospital accommodation. 
The offers available to Migros employees relate exclusively to supplementary insurance plans.

Common models include:

• Standard model = free choice of doctor
• General practitioner model = you must visit your designated GP first
• HMO model = treatment through a healthcare centre or health maintenance organisation (HMO)
• Telmed = initial consultation either via telephone or digital medical advide

The models also differ in terms of cost.

The deductible is the amount insured persons pay themselves each year before their health insurance provider begins covering costs. Deductible levels range from CHF 300 to CHF 2500.

After the deductible has been reached, insured persons generally pay 10% of further healthcare costs, up to a legally defined annual maximum.

A useful rule of thumb is:

• Higher deductible is suitable if you rarely visit a doctor have a low health risk
• Low deductibles are suitable if you require regular treatment or have higher healthcare expenses

Health insurance providers are happy to help determine the most suitable deductible for your situation.

Supplementary insurance can be worthwhile if you regularly use services that are not or only partially covered by basic insurance, such as gym memberships, glasses or contact lenses, alternative medicine, orthodontic treatment or for additional comfort during hospital stays.

No. Supplementary insurance is not mandatory. However, Migros has negotiated attractive framework agreements for employees. These provide additional support for your health, everyday benefits and financial contributions towards items such as gym memberships and/or glasses or contact lenses. We encourage you to review the available offers. Health insurance providers can also answer any questions and assist you with a potential switch.

There's no one-size-fits-all answer to this. It depends on the health insurance provider and the specific policy conditions. In general, family members can usually benefit from the offers if they live in the same household. For detailed information, please contact the relevant health insurance provider correctly.

This depends on the insurance provider and your personal insurance needs. Many insurance providers offer coverage for medical treatment abroad, although the scope of coverage varies from policy to policy. For detailed information, please contact the insurance provider directly.

Yes. In most cases, you can switch every year. For basic insurance, changing providers is generally straightforward, provided the legal notice periods are observed.

Yes. Basic and supplementary insurance may be held with different insurance companies.

Different rules apply in Switzerland:

• Basic insurance
  You can generally terminate your basic health insurance at the end of the year (31 December). However, your cancellation notice must reach the insurer no later than 30 November of the current year (receipt date, not postmark date). For certain models (e.g. standard model with a high deductible), cancellation may also be possible effective 30 June.
• Supplementary insurance 
  Notice periods vary depending on the provider and policy. Longer notice periods often apply 
  (e.g. three months before the end of the contract term). It is therefore advisable to plan a switch well in advance.

Insurance providers can inform you of the specific deadlines and may also assist with the cancellation process through a switching service.

More information about switching health insurance can also be found here (Federal Office of Public Health).

For basic insurance, insurers cannot refuse applicants. For supplementary insurance, acceptance may depend on a medical assessment and its results (e.g. rejection due to pre-existing conditions).

That depends on the insurance provider. Certain offers (such as KPT) may be available without a medical assessment. For detailed information, please contact the insurance provider directly.

This depends on your existing policy. In many cases, comparing available options can be worthwhile. Health insurance providers can advise you individually and help determine whether switching would be beneficial.

The safest approach is to first arrange the new insurance policy and only then cancel your existing one within the applicable notice period. This helps avoid coverage gaps and administrative complications. Some insurance providers also provide switching services to support you throughout the process.

The insurance providers offer advice and, in some cases, switching services. You can find links to the relevant contact points on the information page. Please contact the insurance company or companies of your choice directly.