You can pay cheaper premiums if you:
• Choose a policy with a restricted choice of doctor or HMO (health maintenance organisation);
• Take out a Telmed policy which requires you to call a telephone counselling service staffed by medical professionals who can refer you to a doctor or hospital;
• Increase your excess from CHF 300 up to CHF 2,500 per year which means that you pay more if you’re ill but have lower premiums when you’re well;
• Have a ‘modest’ income – this is determined by individual cantons and you need to contact your local cantonal authorities for more information.