prämienhilfe.ch

Apply for a health insurance premium reduction — in every canton

The premium reduction (IPV) is available to thousands of Swiss residents — yet many never apply for it. We help you check your eligibility and submit your subsidy application correctly. Free of charge and with no obligation.

Which best describes your situation?
Single→Family / Couple→Student / Apprentice→Separated / Divorced→Retiree / Pensioner→
1'000+
Cases per year
CHF 500–3'000
Savings/year
20 minutes
Initial consultation
FINMA
Registered

What is the health insurance premium reduction?

The individual health insurance premium reduction (IPV) is a state support benefit for people and households with modest financial means. The Confederation and the cantons jointly share the cost of mandatory health insurance (KVG).

In Switzerland, over 2.4 million people are entitled to a premium reduction. Many of them never apply, however — out of lack of awareness, because of the administrative hurdles, or because they don't know whether they qualify.

Your taxable income and assets
The number of people in your household
The canton you live in
Your current health insurance premium
Did you know?

Over 2.4 million people in Switzerland are entitled to a premium reduction — yet many never apply for it.

CHF 1.5 billion
is paid out in premium reductions every year

Discover premium subsidy help by canton

Choose your canton and check your eligibility for the health insurance premium reduction quickly and easily.

Wappen AargauAargauWappen ZürichZürichWappen BernBernWappen ThurgauThurgauWappen Appenzell AusserrhodenAppenzell AusserrhodenWappen Appenzell InnerrhodenAppenzell InnerrhodenWappen St. GallenSt. GallenWappen GraubündenGraubündenWappen Basel-LandschaftBasel-LandschaftWappen Basel-StadtBasel-StadtWappen SolothurnSolothurnWappen GlarusGlarusWappen LuzernLuzernWappen NidwaldenNidwaldenWappen ObwaldenObwaldenWappen SchaffhausenSchaffhausenWappen SchwyzSchwyzWappen ZugZugWappen UriUri

How our help works

1
Choose your canton and describe your situation

Select the canton you live in and briefly describe your personal situation — whether you're single, a family, a student or a retiree. It takes less than 2 minutes.

2
Free assessment by our experts

We analyze your situation and check whether — and to what extent — you're entitled to a premium reduction. We know the exact criteria and deadlines for every canton.

3
Compiling your file

We help you correctly compile all the necessary documents: tax return, insurance policy, payslips and other documents depending on the canton.

4
Submitting your application

We submit the application together with you to the responsible cantonal office. You will then receive a decision from the canton within a few weeks.

Why do so many eligible people miss out on their premium reduction?

Over 2.4 million people in Switzerland are entitled to financial support for their health insurance premiums. A large share of them, however, never submit an application. The most common reasons:

Too complicated — Each canton has its own forms, deadlines and requirements. The process can look daunting at first glance.
Unsure about eligibility — Many people believe they don't qualify, even though they would be eligible. The income thresholds are more generous than often assumed.
Missed deadlines — Application deadlines vary from canton to canton and are often overlooked. A missed application means a full year of reduction lost.
No time — Gathering the documents and filling out the forms takes time that many people simply don't have.

This is exactly where we step in. We know the requirements of every canton and guide you through the entire process.

Who is behind praemien-hilfe.ch?

praemien-hilfe.ch is a service of EVO Partners GmbH, an independent, FINMA-registered insurance broker based in Switzerland.

We are not a government authority or a cantonal office. We are a private advisory firm specializing in Swiss health insurance.

Our services include:

Help with the premium reduction (IPV) — for all cantons
Independent advice on health insurance (KVG and VVG)
Optimizing your insurance coverage and premiums

Our help with the premium reduction is completely free for you. As a FINMA-registered broker, we are compensated by our insurance partners when we recommend an optimization of your health insurance. There is no obligation whatsoever.

FINMA-registered insurance broker
Over 1,000 cases handled since 2020
Independent of cantonal authorities
No obligation for the client
4.8/5 customer rating

Frequently Asked Questions

Who is entitled to a premium reduction across Switzerland?+
Anyone residing in Switzerland whose taxable income and assets fall below the threshold set by their canton. The thresholds vary considerably by canton and household size. Even people who believe they earn too much should have their eligibility checked. Over 2.4 million people are entitled nationwide.
Can I apply for multiple people at once?+
Yes. An application applies per household and can include all insured members — partners, children and other household members. Children and young adults up to age 25 in initial training often qualify for a higher reduction.
Do I need to reapply every year?+
In most cantons, yes — the premium reduction must be reapplied for annually. In some cantons the calculation is done automatically based on tax data. We'll tell you exactly how it works in your canton.
What does this service cost?+
Our help with the premium reduction is completely free for you. We are a FINMA-registered insurance broker (EVO Partners GmbH) and are not compensated directly by you.
Are you an official cantonal office?+
No. praemien-hilfe.ch is a private, independent advisory platform. We are not a government body. You can also apply directly with the responsible cantonal office. We make this process easier for you and, at the same time, check whether your insurance coverage can be optimized.
What happens after the initial consultation?+
You'll receive a summary of your situation along with clear recommendations. If you'd like, we'll help you compile the file and submit it to the cantonal office. There is no obligation whatsoever.

Don't miss your application deadline

⚠️ Deadlines vary by canton and are often only offered once a year.

Every canton sets its own deadline, and a missed application usually means losing a full year of premium subsidy. We know the exact deadlines for your canton of residence and will tell you, during your free initial consultation, by when you need to act.

Anyone who misses the deadline loses the premium subsidy for the current year — which can amount to several hundred to several thousand francs.

Check your entitlement now

Select your situation and find out in 20 minutes whether you qualify for the premium reduction. Free and with no obligation.

Check eligibility →

praemien-hilfe.ch is a private advisory service run by EVO Partners GmbH, a FINMA-registered insurance broker. Not an official cantonal authority.

Check eligibility →