Visana: Models, Premiums and All Information 2026

Profile of Visana

The Visana is one of the largest, financially strongest, and most renowned insurance groups in Switzerland. With over one million policyholders, it offers comprehensive security, financial stability, and excellent, award-winning reliable customer service across Switzerland. The offer is aimed at private customers, families, as well as SMEs and large companies that value a solid structure, rapid claims processing, and innovative digital solutions (such as the MyVisana app).

Visana stands for an optimal price-performance ratio and regularly scores top positions in independent customer satisfaction studies regarding competence and friendliness.

Basic Insurance (KVG) and Attractive Savings Models

In mandatory basic insurance (KVG), Visana offers a wide range of smart, alternative insurance models (Managed Care), with which you can effectively reduce your monthly premiums for the year 2026:

• Standard Model (Free Choice of Doctor): Maximum flexibility. You independently decide which doctor or specialist you want to see in Switzerland for every medical concern.
• Visana Managed Care (Family Doctor Model): Your chosen family doctor or a group practice (HMO) is always your first point of contact. Through this coordinated treatment, you benefit from significant premium discounts.
• Visana Tel Doc (Telmed Model): Mandatory, free initial telephone consultation before every doctor's visit through the medical competence center Medi24. The ideal and flexible solution with high savings potential.
• Visana Med Direct (Pharmacy and Family Doctor Model): A combined model in which you first contact a partner pharmacy or your family doctor directly if you have health questions. Efficient and extremely budget-friendly.

The combination of a suitable savings model and an optimally chosen deductible (franchise) is the most reliable way to optimize your fixed costs for the year 2026. Forecasts show a stable tariff structure, with premiums being moderately adjusted depending on the region and age group.

Supplementary Insurance for Individual Protection

To perfectly close gaps in basic insurance, Visana offers a first-class, modular range of supplementary insurance plans (VVG). The Ambulatory and Hospital packages, which can be flexibly combined, are particularly attractive:

• Hospital Insurance (General, Semi-Private, Private Hospital): Guarantees you free choice of hospital throughout Switzerland, first-class accommodation, free choice of the treating doctor depending on the comfort level, as well as worldwide coverage for medical emergencies.
• Outpatient Supplementary Insurance: Comprehensive cost coverage in the areas of complementary medicine, visual aids (glasses and contact lenses), preventive check-ups, and generous contributions to health promotion (fitness subscriptions, sports clubs).
• Dental Insurance: Protects you against high costs for dental treatments, dental hygiene (prophylaxis), and orthodontic interventions for children.

Visana is a reliable insurer with a wide range of products that adapts perfectly to every phase of life.