Assura
Assura is a Swiss non-profit health insurance foundation offering mandatory basic (LAMal) and supplementary insurance products to over 800,000 policyholders across Switzerland via 26 branches and digital channels.
- Company typePrivate
- Founded1978
- HeadquartersPully, Switzerland
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Assura does
Assura is a Swiss non-profit health insurance foundation (Fondation Assura) headquartered in Pully, founded in 1978, and operating as one of the country's larger LAMal (mandatory basic health) insurers. The company serves more than 800,000 individual policyholders and families across Switzerland through 26 physical branch offices, an online client portal (Espace Client), a mobile application (App Assura), phone-based sales and service, and advisor-led consultations delivered in French, German, and Italian.
The product portfolio is organized around mandatory basic insurance under the LAMal framework, offered via five models that differ in care pathway and deductible design (Basis, PreventoMed, QualiMed, Médecin de famille, PharMed), and a broad supplementary insurance catalogue spanning hospitalization tiers (Optima Flex Varia, Optima Varia, Optima Plus Varia, Ultra Varia), travel (Mondia, Mondia Plus), dental (Denta Sana), alternative medicine (Natura, Medna), accident (Previsia Extra), and maternity (Materna Varia, Nativa). Technology infrastructure centers on a digital policy administration stack (App Assura, Espace Client, online premium calculator) with embedded partner services for telemedicine (Medgate) and specialist recommendation (BetterDoc); the foundation's 2024-2025 product cadence (PreventoMed, FeminaVita) shows continued investment in alternative care-pathway design.
Assura generates revenue through recurring premium subscriptions on basic and supplementary policies, paid monthly, quarterly, semi-annual, or annually depending on canton, deductible, and product, and returned surpluses to policyholders when claims were below premiums (e.g., CHF 30 million returned to 500,000+ policyholders in 2019-2020). CHF 3 billion in healthcare benefits were taken in charge in 2025. As a foundation under Swiss law, Assura is not owned by shareholders; surpluses are retained or redistributed to policyholders rather than paid as dividends.
Assura firmographics
Firmographics- Name
- Assura
- Legal name
- Assura
- Website
- https://assura.ch
- Company type
- Private
- Founded year
- 1978
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Assura is a Swiss non-profit health insurance foundation offering mandatory basic (LAMal) and supplementary insurance products to over 800,000 policyholders across Switzerland via 26 branches and digital channels.
- Ownership category
- akta.pro rank
Assura industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industry
- Standalone Hospital Indemnity Insurance (FSAIAKAB)
Keywords
Where Assura is headquartered
LocationHeadquarters
- HQ city
- Pully
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Assura business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Basic Health Insurance Premiums (LAMal): Mandatory basic health insurance premiums collected from over 800,000 policyholders. Premiums can be monthly, semi-annual, quarterly, or annual, depending on canton, deductible, and model selected.
- Complementary Insurance Premiums: Additional insurance premiums for supplementary coverage including hospitalization, travel, dental, alternative medicine, and accident insurance. These are optional add-ons to the basic LAMal coverage.
- Healthcare Benefits Payout: CHF 3 billion in benefits paid out in 2025 to policyholders for healthcare claims and treatments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic health insurance with free choice of doctors and specialists |
| Subscription | Monthly | Optima Flex Varia hospitalization insurance - flexible private/semi-private/general ward choice |
| Subscription | Monthly | Optima Varia hospitalization insurance - semi-private ward access |
| Subscription | Monthly | Optima Plus Varia hospitalization insurance - private ward access |
| Subscription | Monthly | Ultra Varia hospitalization insurance - private ward with extensive provider choice |
| Subscription | Monthly | Mondia travel insurance - medical coverage worldwide |
| Subscription | Monthly | Mondia Plus travel and cancellation insurance |
| Subscription | Monthly | Previsia Extra accident supplementary insurance |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Assura product offering
Product offeringCore offering
Assura is a Swiss health insurance provider selling mandatory basic health insurance under the LAMal framework and a portfolio of supplementary insurance products (hospitalization, travel, dental, alternative medicine, accident, maternity) to individual and family customers across Switzerland. It distributes through 26 branches, an online portal (Espace Client), a mobile app, and sales advisors, complemented by partnerships with Medgate (telemedicine) and BetterDoc (specialist recommendations).
Product overview
Assura is a Swiss health insurance company offering a comprehensive portfolio of basic (LAMal) and supplementary insurance products along with digital services. The basic insurance portfolio includes standard and alternative models (Basis, PreventoMed, QualiMed, Médecin de famille, PharMed) that differ in healthcare provider networks, deductible structures, and access modalities. Supplementary insurance includes hospitalization (Optima Flex Varia, Optima Varia, Optima Plus Varia, Ultra Varia), travel (Mondia, Mondia Plus), dental (Denta Sana), alternative medicine (Natura, Medna), accident (Previsia Extra), maternity (Materna Varia), and complement plans (Complementa Extra). Digital services include the App Assura mobile app and Espace Client online portal. The company also provides healthcare support services including BetterDoc specialist recommendations and Medgate telemedicine.
Differentiator
Problem solved
Functional benefit
Products and services
- Basis Standard LAMal basic health insurance model offering free choice of doctors and specialists with unrestricted access to all pharmacies in Switzerland.
- PreventoMed Alternative basic insurance model with maximum flexibility in choosing first medical contact, coverage for preventive examinations, and generic medication reimbursements without deductible.
- QualiMed Alternative basic insurance model featuring family doctor accompaniment, 24/7 telemedicine access via Medgate, and BetterDoc expert center for specialist recommendations.
- Médecin de famille Family doctor model offering personalized accompaniment by a chosen family doctor with reduced premiums compared to the free-choice Basis model.
- PharMed Family doctor model with benefits from a network of approved pharmacies offering 15% discounts on generic medications and access to over 400 partner pharmacies.
- Complementa Extra Supplementary insurance complementing basic coverage with unlimited transport coverage, free hospital choice, dental care participation, and eyeglass contributions.
- Optima Flex Varia Flexible hospitalization insurance from CHF 23.30/month allowing choice of private, semi-private, or general ward at time of hospitalization, with daily bonuses for general ward stays.
- Optima Varia Semi-private hospitalization insurance from CHF 39/month with access to private or semi-private rooms among approved care providers.
- Optima Plus Varia Private hospitalization insurance from CHF 49/month with private ward access among approved providers.
- Ultra Varia Premium private hospitalization insurance from CHF 85/month with nearly free choice of hospitals across Switzerland.
- Mondia Travel insurance from CHF 7/month providing medical emergency coverage, rescue and repatriation, and 24/7 worldwide assistance for trips up to 45 consecutive days.
- Mondia Plus Travel and cancellation insurance from CHF 8/month with unlimited medical coverage, repatriation, and trip cancellation reimbursement up to CHF 15,000 per case.
- Previsia Extra Supplementary accident insurance from CHF 9.15 filling gaps in mandatory accident coverage (LAA) with optimal comfort and support during hospitalization.
- Denta Sana Dental insurance covering complete dental treatments including orthodontics and scaling.
- Natura Alternative medicine insurance covering 24 therapies provided by recognized therapists.
- Medna Alternative medicine insurance covering 11 alternative therapies practiced by physicians with specific training.
- Materna Varia Maternity insurance providing optimal coverage throughout pregnancy, childbirth, and postnatal period with private ward comfort.
- Nativa Prenatal package specifically designed for infants covering seven essential needs in one subscription.
- BetterDoc specialist recommendation service Independent expert center offering free specialist recommendations to help policyholders find experienced doctors, hospitals, and clinics, available to QualiMed members.
- Medgate telemedicine service Telemedicine center providing 24/7 access to medical consultations, available as first medical contact in certain insurance models such as QualiMed.
- Club Assura loyalty program Customer benefits program offering curated deals in sports, health, pharmacy, and eye surgery categories from partner providers including Zur Rose, Sun Store, and Swiss Visio Network.
- App Assura Mobile application allowing policyholders to submit care receipts for reimbursement, track submission status and history, and manage insurance for the entire family.
- Espace Client online portal Online client portal available 24/7 for receiving correspondence and documents, managing contracts, and tracking reimbursements.
Quantifiable outcome
- CHF 30 million returned to 500,000+ policyholders in cantons where healthcare costs were lower than collected premiums in 2020 and 2019
- +2 more outcomes
Companies that use Assura
Customer profileNamed customers1 record
Segments4 records
Ideal customer profiles3 records
Assura technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Assura partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- pharmaSuissecoreConvention with the Swiss pharmacists' association in favor of policyholders using expensive medications, ensuring better coverage and access to costly treatments.
- MedgatecoreTelemedicine partner providing 24/7 medical consultations for PreventoMed and QualiMed insurance model holders. Policyholders can access free medical advice via phone at any time, including for emergencies and children.
- BetterDoccoreIndependent expert center that helps QualiMed policyholders find the best specialists based on their medical needs. Provides recommendations of doctors, hospitals, and clinics with extensive experience and excellent results.
- Zur RoseminorPharmacy partner offering home delivery of medications to Club Assura members. Part of the loyalty program benefits for policyholders.
- Sun Store, Amavita, Coop VitalitycorePartner pharmacies for PharMed and PreventoMed insurance models. Offer 15% discounts on generic medications, CHF 5 flat discount on prescriptions, and pharmacy consultations covered by insurance.
- Allianz AssistancecoreEmergency assistance provider for travel insurance (Mondia and Mondia Plus). Available 24/7 worldwide for medical emergencies abroad, coordinating healthcare and repatriation services.
- ERV (European Travel Insurance)minorTravel insurance partner for trip cancellation claims processing. Policyholders use ERV forms for cancellation claims related to travel bookings or leisure activities.
- BENU, Mediservice, Pill Apotheke WaldeggminorOnline pharmacy partners for medication delivery services, particularly for PharMed model holders who can order medications by mail from these approved providers.
- Swiss Hospitals and Clinics NetworkcoreNetwork of approved healthcare providers (hospitals, clinics, specialists) for Optima Flex Varia, Optima Varia, Optima Plus Varia, and Ultra Varia hospitalization insurance plans.
- Clinique d'Hygiène Dentaire, Swiss Visio Network, Let's Go FitnessminorClub Assura partner providers offering discounts on dental care, eye surgery, and fitness services for loyalty program members.
Scale indicators4 records
Recent moves7 records
Expansion highlights7 records
Assura competitors and assessment
Company assessmentDirect peers
- Concordia: Swiss health insurer with national coverage and broad supplementary product set. Directly comparable to Assura in customer profile, distribution mix, and product architecture.
- Sympany: Swiss health and accident insurer with basic and supplementary plans and a strong regional base. Comparable to Assura in customer segments, product design, and distribution approach.
- Groupe Mutuel: Major Swiss health and supplementary insurance group operating across all language regions of Switzerland. Closely comparable to Assura in product portfolio (basic + supplementary) and multi-channel distribution model.
- KPT: Swiss health insurer offering LAMal basic and supplementary products, with multi-channel distribution across branches and digital channels. Closely comparable to Assura in scale and product mix.
- Atupri: Swiss health insurer focused on basic and supplementary products with an emphasis on digital service. Comparable to Assura on basic-insurance models, supplementary offerings, and digital customer experience.
- SWICA: Swiss health and accident insurer with a strong emphasis on integrated care models and digital services. Comparable to Assura for the basic insurance book, the alternative-model (telemedicine/family-doctor) design, and digital customer tools.
- Visana: Swiss health and accident insurer competing in basic and supplementary insurance with a strong digital offering. Comparable to Assura on basic insurance variants, supplementary attach, and digital servicing.
- CSS Versicherung: One of Switzerland's largest health insurers, offering LAMal basic insurance and a broad range of supplementary products. Directly comparable to Assura in scale, regulatory environment, and product breadth, and a direct competitor in the Swiss individual and family market.
- Helsana: One of the largest Swiss basic health insurers with an extensive supplementary portfolio. Comparable to Assura across the full stack of LAMal basic insurance and supplementary products.
- Sanitas: Swiss health insurer offering basic and supplementary plans and digital-first servicing. Comparable to Assura on LAMal basic insurance, supplementary coverage, and digital distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Assura social profiles
Digital presenceAssura financial estimates
Financial estimateRevenue estimate
Valuation estimate
Assura leadership team
Management profileNumber of profiles
Assura subsidiaries and ownership
Company hierarchySubsidiaries1 record
Assura funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Assura M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Assura
What does Assura do?
Assura is a Swiss health insurance provider selling mandatory basic health insurance under the LAMal framework and a portfolio of supplementary insurance products (hospitalization, travel, dental, alternative medicine, accident, maternity) to individual and family customers across Switzerland. It distributes through 26 branches, an online portal (Espace Client), a mobile app, and sales advisors, complemented by partnerships with Medgate (telemedicine) and BetterDoc (specialist recommendations).
Is Assura a public or private company?
Assura is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Assura founded?
Assura was founded in 1978. It employs 1,001 to 5,000 people.
Where is Assura based?
Assura is headquartered in Pully, Switzerland, in the Europe region.
How does Assura make money?
Three revenue lines are on record. Basic Health Insurance Premiums (LAMal) is the primary driver. The others are complementary Insurance Premiums and healthcare Benefits Payout.
Who are Assura's main competitors?
Direct peers on record are Concordia, Sympany, Groupe Mutuel, KPT, Atupri, SWICA, Visana, CSS Versicherung, Helsana and Sanitas.
Does Assura have an API?
No public API is recorded for Assura.
What industry is Assura in?
Assura's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAB, Standalone Hospital Indemnity Insurance. Its NAICS code is 524114 and its SIC code is 6321.