Einsiedler Krankenkasse profile

The legal entity behind Einsiedler Krankenkasse is “Einsiedler Krankenkasse” (legal form: association, UID CHE-108.619.178), based in Einsiedeln. The FOPH register does not assign the insurer to any insurance group. The Federal Office of Public Health (FOPH) lists the insurer under number 134 in its register of approved health insurers, as of 01.01.2026. The register gives its area of operation as “GL, LU, NW, OW, SG, SZ, UR, ZG, ZH”. In basic health insurance, Einsiedler Krankenkasse 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 8,473 people had basic health insurance with Einsiedler Krankenkasse. 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 3,362 in premiums in 2024 and paid out CHF 2,910 in net benefits.

For 2026, Einsiedler Krankenkasse has approved premiums in 9 of 26 cantons. 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 100.6, where 100 is the unweighted average of all insurers in the same regions. On average, the premiums are therefore 0.6% above the average. Compared with the respective cantonal average, the lowest index is in the canton of Schwyz (84.0) and the highest in the canton of Zug (111.6).

Between 2011 and 2026, this reference premium at Einsiedler Krankenkasse changed, on average across its own premium regions, from CHF 308.00 to CHF 538.48 per month (+74.8%). Over the same period, the average of all insurers in the same regions went from CHF 313.61 to CHF 535.32 (+70.7%). The chart further down shows the trend year by year.

In 2026, Einsiedler Krankenkasse offers one model type: standard model (free choice of physicians), with 1 tariff in total. 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 238 per insured person (all insurers: CHF 193). The claims ratio, i.e. net benefits in relation to premiums, was 86.6% (all insurers: 94.9%). Reserves amounted to CHF 36.4 million, or CHF 4,295 per insured person. In the KVG solvency test as of 01.01.2025, Einsiedler Krankenkasse achieved a solvency ratio of 218%; 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 Einsiedler Krankenkasse 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.