All about Visana health insurance

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Contact information Visana

Head office: Visana Services AG, Weltpoststrasse 19 Postfach - 3000 Bern 16
Telephone:
E-mail:

All you need to know about Visana health insurance

Founded in 1996, Visana health insurance was developed in the wake of the new health insurance law (LAMal) following the merger of KKB, Grütli and Evidenzia, three health insurance companies operating at the time.
Today, Visana is active in the fields of health insurance, loss-of-earnings insurance and various types of insurance offered to private individuals. Visana offers various services in connection with basic health insurance as well as supplementary insurance.
With over 820,000 policyholders, and 1,300 employees, Visana has a significant market share when it comes to the Swiss health insurance sector.

What are the different opinions on Visana?

Overall opinion on Visana health insurance:

Overall satisfaction ratings for Visana are positive. In particular, many customers cite the quality of customer service, the offers on offer and the clarity of information.
In 2022, Visana therefore achieves an overall rating of 5.2/6 based on a survey of 3,400 people by the Intervista institute.

Customer service: Visana service opinion

Visana scores 5.1/6 on ease of communication and information

What is Visana health insurance's reserve ratio?

In 2021, Visana's reserves amounted to 1'271.40 million francs, with a solvency ratio set at 267%

How is the solvency ratio calculated?

Visana's reserves (million francs) Statutory min. set by law (million francs) Solvency ratio
1'271.40 476.20 267%

What basic insurance models does Visana offer?

Traditional model:

In the event of health concerns, you are free to choose your doctor. You also have the option of choosing the hospital as well as the specialists in the event of an inpatient or outpatient stay.

Doctor network model:

You are free to choose a doctor from the list of HAM family doctor networks.

Group practice model:

You are free to choose a practice a group practice from the HMO network.

Family doctor's practice model:

In the event of health concerns, your family doctor will be your first point of contact and will monitor your case.

TedDoc model:

In the event of health concerns, you must contact the Medi24 telemedicine platform, which coordinates your treatment. This is to be followed and must be respected.

MedCall model:

In the event of a health problem, you must make contact with the Medi24 telemedicine platform, which coordinates your treatment. Thereafter, you are free to follow the treatment or not.

TelCare model:

In the event of health concerns, you need to contact the Medi24 telemedicine platform, which coordinates your treatment. This is to be followed and must be respected. In the event that medication is required, it will be collected from Visana partner pharmacies.

CombiCare model:

In the event of health concerns, you are free to consult your family doctor or the Medi24 telemedicine platform. Instructions for treatment steps must be followed.

What are the different supplementary insurance products offered by Visana?

Visana offers various supplementary insurance products to cover gaps in basic insurance. These products are divided into 5 categories as below:

Basic combined supplementary insurance:

Complements basic health insurance by offering coverage for outpatient benefits, contributes to the cost of glasses and contact lenses as well as various additional benefits.
Three levels of coverage are available:
  • Nv. 1 outpatient treatment
  • Nv. 2 outpatient treatment
  • Nv. 3 outpatient treatment
The three ranges offer varying levels of cover.

Supplementary insurance for complementary medicine:

Provides varied coverage for alternative medicine via cover for alternative treatments and forms of therapy, as well as complementary medicine drugs.
Three levels of coverage are available:
  • Complementary medicine Nv. 1
  • Complementary medicine Nv. 2
  • Complementary medicine Nv. 3
The three ranges offer varying levels of cover.

Complementary Hospital Insurance:

Gives you greater comfort and freedom in your choice of hospital specialists. You are free to choose the hospital as well as the hospitalization division. Upon subscription, you will be offered several hospitalization divisions:
  • Common division
  • Flexible choice
  • Mi-private division
  • Private division

Various supplementary insurances are also offered:

  • Hospital lump-sum insurance
  • Dental treatment
  • Death benefit in the event of accident
  • Disability benefit in the event of accident
  • Dental treatment in the event of accident
  • Disability benefit in the event of accidentdisability in case of accident
  • Lump sum insurance in case of illness
  • Legal protection
  • Daily benefits
  • Daily hospital benefits
  • How much does health insurance with Visana cost?

    For basic health insurance, rates range from CHF 385.30 to CHF 499.10 for an adult, depending on the canton of residence, deductible and models chosen.
    In the case of supplementary insurance for an adult, below are the different rates (monthly rates displayed in CHF):

    Rates for Basic combined supplementary insurance:

    Supplementary insurance Monthly premium (CHF)
    Common division 52.35
    Flexible choice 70.35
    Mid-private division 143.95
    Private division 168.65

    Supplementary outpatient insurance rates:

    Supplementary insurance Monthly premium (CHF)
    Outpatient treatment Nv. 1 9.90
    Outpatient treatment Nv. 2 19.80
    Outpatient treatment Nv. 3 33.05

    Alternative medicine supplementary insurance rates:

    Supplementary insurance Monthly premium (CHF)
    Complementary medicine Nv. 1 5.10
    Complementary medicine Nv. 2 24.90
    Complementary medicine Nv. 3 134.15

    Rates for supplementary hospital insurance:

    Supplementary insurance Monthly premium (CHF)
    Common division 1.95
    Flexible choice 34.80
    Mid-private division 89.45
    Private division 139.25

    Rates for other Visana supplementary insurance:

    How to take out Visana health insurance?

    Various Visana agencies are at your disposal to benefit from expert advice. You can also visit www.visana.ch or call
    Supplementary insurance Monthly premium (CHF)
    Insurance in the form of a hospital lump sum 2.15
    Dental treatment 22.20
    Death benefit in the event of accident 0.40
    Disability benefit in the event of accident 0.50
    Insurance of a lump sum in the event of illness 12.00
    Legal protection 16.50
    Daily benefits 5.40
    Hospital daily benefits 0.80
Alexis Milon
Updated on: 01.02.2024Written by Alexis MilonHead of health insurance department at Comparea.
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Frequently Asked Questions

If you have a complaint, you can contact a Visana advisor by phone, visit a branch near you or go directly online at