What you now need to bear in mind
We want to be your guides to the world of health insurance, because the only way that we can work together as equals is if you feel well-informed and secure. You should start thinking about the six points below. Look at them with your parents as well. Before you get started, we should say that on this page you will probably come across some terms that you have never heard before. To help us understand each other, SWICA has compiled a glossary to shed some light on the jargon and explain how things work.
Find out more
SWICA tries to keep the amount of paperwork that you need to do to a minimum. But there are some cases where you need to get the ball rolling. Think about who will pay the invoices, how they should be paid, and which account you would like to specify for amounts to be credited. If your parents agree to keep paying the invoices, you can use their payment profile for your policy with just a single click.
If you are going to start paying for your health insurance yourself, you have a choice between three options:
- SWICA debits outstanding amounts directly from an account of your choice (standing order/direct debit)
- SWICA sends you the invoices directly in your e-banking app (e-billing)
- SWICA sends you the invoices by post
You can easily change how you pay or update your personal details (such as your home address) online at a later date.
Please note: You don't need to think about this point if you want to stay on your family policy for the time being.
Make an appointment
Set up a SWICA account
Sudden increase in costsYour health insurance becomes more expensive on 1 January following your 18th birthday. The premiums go up because you enter a different age bracket (from «child« to «young adult»). The Federal Health Insurance Act (KVG) stipulates financial relief for families with children below the age of majority. That is why health insurers are able to offer discounts on their premiums for children and young people. These discounts no longer apply when they reach adulthood. We cannot say how much more expensive the premiums will become until October, which is when we know what the premiums for the new year will be. Essentially, though, you can expect your premium to more than double. Of course, this depends to a large extent on the insurance products you choose, your chosen excess, and also where you live.
Save money with these tips
Perhaps you will already start paying your premiums yourself next year. In the following, SWICA has put together the best tips for saving money in order to make it stretch further. Even if you are still getting financial support from your parents, we want to show you (and your parents) the best ways to save money.
SWICA's basic insurance plans
If your parents take part in the bonus programme then you will have benefited from their discount until now. Irrespective of what policies have been taken out and by whom, as an adult you need your own account to keep receiving a discount on your premiums and other benefits. Download the BENEVITA app onto your smartphone, and register using your SWICA account by 31 August of the calendar year in which you turn 18. Don't have a SWICA account yet? Then you should register right now.
Create a SWICA account now
Find the relevant office
mySWICAIn the mySWICA app, you will find all of your important documents such as premium and benefit statements, or your current policy. You can use the app to conveniently scan invoices, submit them online, and see what you are owed within a short space of time. Updating your personal details is also easy at any time using the app.
SWICA BENEVITAThe BENEVITA app uses fun challenges to motivate you to exercise regularly, relax more and eat healthily. The points you earn benefit you twice over, because you live a healthier lifestyle and also profit from great offers as well as discounts on the premiums for certain supplementary insurance plans.
SWICA BENECURAThe BENECURA app gives you access to a range of services, including the SymptomCheck, which was developed by doctors to provide personalised recommendations, and the Health Dossier for the secure storage of your documents. The app also offers the PreventionCheck for concrete check-up recommendations and the "Ready for doctor" feature to help you prepare independently for appointments.
Frequently asked questionsStill not fully in the picture? Or do you have a specific issue? Follow the link below to find SWICA's answers to the questions most commonly asked by young adults – and perhaps yours as well.
Go to the FAQ
Switch to SWICA nowWould you like a health insurer at your side who is also your partner for matters relating to your health? Then you've come to the right place! SWICA looks forward to hearing from you.