Customer notification

The premiums for children up to the age of 18 include a discount of 74% to 78% (depending on the canton).

Adult premium rates apply for young people as of 1 January following the insured person’s 18th birthday, with a standard deductible of CHF 300. The previously applicable children’s discount will then cease to apply.      

However, up to the age of 25 all young people will be supported with a discount between 15% - 28% (depending on the canton).

Under the Federal Health Insurance Act (KVG), we are not permitted to offer a discount in the form of a youth premiumto  insured persons over the age of 25. These customers are subject to the adult premium. For those looking for a lower premium, we recommend increasing the annual deductible or switching to an alternative insurance model.

The monthly premiums paid for COMPLETA for children, adolescents and young adults between the ages of 6 and 25 will increase by between CHF 5.05 and CHF 8.40, and those paid for adults aged 31 and over will increase by between CHF 8.45 and CHF 15.40, due to inflation. The premiums for children up to the age of 5 and adults between 26 and 30 years of age will stay the same. The premiums for COMPLETA EXTRA will go up 4% due to inflation. The premiums for HOSPITAL COMFORT, BONUS COMFORT and HOSPITAL PLUS will increase by 6% in the canton of Geneva on account of the cantonal hospital planning.

With an exception of Geneva, in all other cantons the premiums will be reduced by 32 per cent for HOSPITAL COMFORT, by 2 per cent for HOSPITAL BONUS COMFORT and by 4 per cent for HOSPITAL PLUS. In addition, the insured with the HOSPITAL BONUS PLUS and CURA products will once again receive a premium doscount of 5% in 2025. 

The products Advocare PLUS and EXTRA are free of charge until the age of 18. As of 1 January 2025, these products will be subject to premiums at a rate of 50%.

Upon turning 25, the youth discount no longer applies and, as of 1 January, the products become 100% subject to premiums.

Premium rates for supplementary insurance products are generally graded by age. The tariffs are divided into five-year groups (0–5 years, 6–10 years, etc.). Reclassification to the next higher age group takes place on 1 January. The insurance policy document indicates whether the premiums are graded by age and when the last age-related adjustment took place.

From 1 January 2025, customers with PRIMEO outpatient supplementary health insurance will receive additional benefits without within the same premiums. Based on our customers’ needs, the following five benefit components have been added:

– Accommodation for accompanying persons (rooming-in)

– Support at home

– Childcare and childminding

– Pet care

– Visits to thermal baths

The benefits and benefit conditions have been added to the Additional Insurance Conditions (AIC).

Find out more at: klug.ch/en/primeo

Your private or semi-private supplementary hospital insurance includes, among others, an unrestricted choice of doctor and hospital, as well as additional comforts and accommodation benefits. We regularly negotiate with the hospitals regarding the tariffs used to pay compensation for these benefits, as part of our commitment to fair prices and affordable premiums. If no agreement can be reached, this results in what we call an “unregulated” situation for the private or semi-private ward. In order to enable us to keep benefit costs at their current levels, as of 1 January 2025, we introduce a 30% excess on treatments administered in hospitals that do not offer additional benefits governed by a contract. A constantly updated list of the hospitals affected by this change can be found on KLuG's website. This alteration is being made on the basis of section 16 of the General Insurance Conditions for Supplementary Health Insurance. Insured persons who do not accept the change may cancel their supplementary hospital insurance in writing as of 31 December 2024. Your notice of cancellation must reach us by 29 November 2024.

(Insured men born in 1959 and insured women born in 1960)

Insured persons with one of the following supplementary hospital insurance policies: 

HOSPITAL ECO/PLUS/COMFORT/PLUS BONUS/COMFORT BONUS/PLUS CLASSICA/ COMFORT CLASSICA with the 2014 Additional Insurance Conditions (AIC) receive CURA Long-Term Care Insurance upon reaching AHV retirement age.

The admission into the policy takes place on 1 January 2025 without a medical examination. The level of the daily benefit depends on which supplementary hospital insurance has been taken out. Your policy document states the exact details of the product together with the monthly premiums for CURA.

Insured persons with the 2016 Additional Insurance Conditions (AIC) are not entitled to CURA long-term care insurance. However, they can apply for it by undergoing a medical examination.

→ Waiver declaration for CURA insurance allocations

If you wish to waive the allocated insurance products despite these benefits, please inform us in writing by 31 December 2024 at the latest for CURA long-term care insurance. In this way, your insurance cover will not come into force on 1 January 2025.

Find out more at: klug.ch/en/cura

(Insured persons born in 2004)

As of the end of the calendar year in which the insured person turns 20, entitlement to cover for treatment costs for the correction of misaligned teeth under the TOP or COMPLETA products will no longer be available. To avoid gaps in insurance coverage, as of 1 January 2025, insured persons will receive DENTAplus Bronze dental insurance without a medical examination.

The monthly premiums for DENTAplus Bronze and the insured benefits for dental treatment, preventive treatment, dental check-ups, maxillary surgery and orthodontics are set out in your policy document.

→ Waiver of automatic allocation for DENTAplus Bronze

If you do not want to take out the CURA Long-Term Care Insurance or DENTAplus Bronze Dental Insurance products that you have been allocated in spite of the benefits set out above, please notify us in writing by 31 December 2024 at the latest. In this case, the relevant insurance coverage will not come into force on 1 January 2025.

Find out more at: klug.ch/en/dentaplus

(Men born in 1959, women born in 1960)

The insurance will be discontinued in principle for all insured persons effective 1 January 2025.

For insured persons who are still employed, the policy can be continued until the age of 70 on the following basis:

– Maximum daily benefit as previously

– Duration of benefits: 180 days

– Maximum waiting period: 30 days

If you would like to take up this option, please notify us in writing by 31 January 2025.

For children born in 2021, the death benefit will be automatically increased to CHF 10,000 as of January 1, 2025 in accordance with the insurance application.

Maximum sums insured: Insured persons after the age of 65 (born in 1959)

For insured persons after the age of 65, the sums insured will be automatically reduced as follows as of January 1, 2025:

Death: maximum CHF 20,000 / Disability: maximum CHF 100,000 (without progression)

For children born in 2021, the lump-sum death benefit will be automatically increased to CHF 10,000 on January 1, 2025 in accordance with the insurance application. The closing age is reached on December 31 after reaching the age of 59.

Notice of termination for basic insurance must be received by KLuG Insurance Company Ltd by 4 p.m. on Friday 29 November 2024.

Supplementary insurance policies under the VVG may be terminated in writing as of 31 December 2024, provided a minimum term of contract of one year has expired, by 4 p.m. on 30 September 2024 (receipt of the letter by KLuG). Supplementary insurance policies whose premiums change may be terminated in writing within 30 days of receipt of the notification of change with effect from the date on which the change enters into force.