Assura

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.

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

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

• Health insurance
• Supplementary insurance
• Hospitalization insurance
• Travel insurance
• Insurance services

Headquarters

HQ city

Pully

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. Healthcare Benefits Payout: CHF 3 billion in benefits paid out in 2025 to policyholders for healthcare claims and treatments.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• pharmaSuissecoreStrategic or Co-development Partner · 1 January 2017Convention with the Swiss pharmacists' association in favor of policyholders using expensive medications, ensuring better coverage and access to costly treatments.
• MedgatecoreTechnology or IntegrationTelemedicine 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.
• BetterDoccoreStrategic or Co-development PartnerIndependent 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 RoseminorChannel Partner/ Reseller/ DistributorPharmacy partner offering home delivery of medications to Club Assura members. Part of the loyalty program benefits for policyholders.
• Sun Store, Amavita, Coop VitalitycoreChannel Partner/ Reseller/ DistributorPartner 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 AssistancecoreStrategic or Co-development PartnerEmergency 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)minorChannel Partner/ Reseller/ DistributorTravel 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 WaldeggminorChannel Partner/ Reseller/ DistributorOnline 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 NetworkcoreChannel Partner/ Reseller/ DistributorNetwork 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 FitnessminorChannel Partner/ Reseller/ DistributorClub 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

Direct 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

• LinkedInlinkedin.com/company/assura-ch

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Assura