AMB profile

The legal entity behind AMB is “AMB Versicherungen AG” (legal form: company limited by shares (AG), UID CHE-383.575.104), based in Le Châble. According to the FOPH register, the insurer belongs to the Groupe Mutuel group. The Federal Office of Public Health (FOPH) lists the insurer under number 1507 in its register of approved health insurers, as of 01.01.2026. The register gives its area of operation as “VS”. In basic health insurance, AMB must accept every person there who is required to take out insurance, without a health questionnaire, and the benefits are the same at every insurer under the Health Insurance Act (KVG/LAMal).

In the 2024 financial year, an average of 11,050 people had basic health insurance with AMB. That is 0.1% of the 9,005,998 insured persons across all insurers. These figures come from the FOPH supervisory data (table T 5.01), which are published every year for all health insurers. Per insured person, the insurer took in an average of CHF 4,401 in premiums in 2024 and paid out CHF 4,191 in net benefits.

For 2026, AMB has approved premiums in 1 of 26 cantons. In 2026, premiums are available in the canton of Valais. As the reference for the premium level, we use adults in the standard model with a CHF 300 deductible and accident cover. Across all of the insurer’s premium regions, this gives an index of 100.0, where 100 is the unweighted average of all insurers in the same regions. That is almost exactly the average.

Between 2011 and 2026, this reference premium at AMB changed, on average across its own premium regions, from CHF 342.40 to CHF 554.40 per month (+61.9%). Over the same period, the average of all insurers in the same regions went from CHF 343.85 to CHF 555.93 (+61.7%). The chart further down shows the trend year by year.

In 2026, AMB offers 3 model types: standard model (free choice of physicians), GP and HMO models and telemedicine and other models, with 3 tariffs in total, for example “PrimaCare” and “SanaTel”. Models with a restricted choice of service provider often apply only in certain regions; the premium calculator for your municipality shows whether a tariff is offered where you live.

In 2024, administrative costs came to CHF 192 per insured person (all insurers: CHF 193). The claims ratio, i.e. net benefits in relation to premiums, was 95.2% (all insurers: 94.9%). Reserves amounted to CHF 12.5 million, or CHF 1,130 per insured person. In the KVG solvency test as of 01.01.2025, AMB achieved a solvency ratio of 120%; the required minimum is 100%, while the figure for all insurers was 147%.

You cancel basic health insurance in writing. To switch on 1 January, your notice of cancellation must reach AMB by 30 November (Art. 7 para. 2 HIA); the FOPH recommends sending it by registered mail by 15 November. The insurer’s website does not give a separate cancellation address; we show the general postal address, which you’ll find further down. Which insurer is cheaper for you depends on where you live, your age, your deductible and your model. This page shows official figures without rating; you can work out your personal premiums in the premium calculator.