rhenusana
rhenusana is a member-owned Swiss health insurance fund (Krankenkasse) headquartered in Heerbrugg, serving residents of the Rheintal and Sarganserland regions with mandatory basic insurance, supplementary products, and digital self-service tools.
- Company typePrivate
- Founded1944
- HeadquartersHeerbrugg, Switzerland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What rhenusana does
rhenusana – die Rheintaler Krankenkasse is a regional Swiss health insurance fund (Krankenkasse) headquartered in Heerbrugg, Canton St. Gallen. Founded in 1944 as the company health insurance scheme of Wild Heerbrugg's geodetic instruments business, it became independent in 1996 and was rebranded under the rhenusana name in 2006. The company is member-owned under Swiss KVG/KVV regulation, with no external shareholders, parent company, or institutional investors disclosed.
The company's product portfolio centers on mandatory basic health insurance (Grundversicherung), offered through three variants: the Standardmodell, the family-doctor-gatekeeping Rabattmodell Hausarztsystem, and the telemedicine-based Rabattmodell sanmed24. Supplementary insurance products under the rhenu brand (rhenuPLUS, rhenuDENTA, rhenuHOSPITAL, rhenuSWISS, rhenuTOURIST) extend coverage into dental, hospital, and travel needs, alongside risk capital insurance (Risikokapitalversicherung) and private accident coverage (rhenuPRIVAT Unfall). Service delivery relies on three branch offices (Heerbrugg HQ, Oberriet, Mels) supported by digital self-service tools: the myrhenusana customer portal, an online document uploader, a premium calculator, and the myrhenusana mobile application (updated September 2025 with in-app accident reporting).
Revenue is generated through recurring monthly health insurance premiums, with pricing varying by canton of residence, chosen insurance model, and deductible. The company also offers family discounts, multi-child discounts, and skonto prepayment discounts for semi-annual or annual premium settlement. Distribution is direct-to-consumer, relying on branch office footfall, a customer portal, a "Kunden werben Kunden" referral program, and a social media presence on Instagram and Facebook. The January 2024 acquisition of Krankenkasse Stoffel in Mels extended operations into the Sarganserland region, adding a third active branch.
rhenusana firmographics
Firmographics- Name
- rhenusana
- Legal name
- rhenusana – die rheintaler krankenkasse
- Website
- https://rhenusana.ch
- Company type
- Private
- Founded year
- 1944
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- rhenusana is a member-owned Swiss health insurance fund (Krankenkasse) headquartered in Heerbrugg, serving residents of the Rheintal and Sarganserland regions with mandatory basic insurance, supplementary products, and digital self-service tools.
- Ownership category
- akta.pro rank
rhenusana industry classification
Industry- Product category
- Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Medicare Supplement (Medigap) (FSAIAEAG)
- akta.pro secondary industries
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Travel Medical Insurance (Individual) (FSAIAEAI), Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)
Keywords
Where rhenusana is headquartered
LocationHeadquarters
- HQ city
- Heerbrugg
- HQ country
- Switzerland
- HQ region
- Europe
Offices3 records
Markets served
rhenusana business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Premiums: Monthly premiums collected from insured individuals for basic mandatory health insurance (Grundversicherung) and supplementary insurance products (Zusatzversicherung). Premiums vary based on chosen insurance model, deductible, and canton of residence.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Family discount for couples |
| Subscription | Monthly | Children's discount |
| Subscription | Annual | Prepayment skonto discount |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
rhenusana product offering
Product offeringCore offering
rhenusana is a regional Swiss health insurance fund (Krankenkasse) that sells statutory basic health insurance (Grundversicherung) and supplementary insurance products (Zusatzversicherung) to individuals and families residing primarily in the Rheintal and Sarganserland regions of Switzerland. Its portfolio spans three basic insurance model variants (Standardmodell, Hausarztsystem, sanmed24) and a suite of supplementary covers (rhenuPLUS, rhenuDENTA, rhenuHOSPITAL, rhenuSWISS, rhenuTOURIST, plus risk capital and accident insurance). The offering is delivered through three physical branch offices and digital self-service channels including a customer portal, document uploader, online premium calculator, and the myrhenusana mobile app.
Product overview
rhenusana is a Swiss health insurance company (Krankenkasse) operating as a full-service health insurer in the Rheintal region. The company offers a comprehensive portfolio centered on mandatory basic health insurance (Grundversicherung) with three model variants: the Standardmodell providing fundamental coverage, the Rabattmodell Hausarztsystem offering discounted premiums with family doctor gatekeeping, and the Rabattmodell sanmed24 providing telemedicine-based savings. Complementing the core basic insurance, rhenusana provides a suite of supplementary insurance products under the rhenu brand (rhenuPLUS, rhenuDENTA, rhenuHOSPITAL, rhenuSWISS, rhenuTOURIST) plus specialty products including risk capital insurance (Risikokapitalversicherung) and private accident coverage (rhenuPRIVAT Unfall). Digital services include the myrhenusana mobile app with accident reporting and document management, an online customer portal (myrhenusana) for document uploads and claims, and a premium calculator for plan comparison.
Differentiator
Problem solved
Functional benefit
Products and services
- Grundversicherung (Mandatory Basic Health Insurance) Statutory basic health insurance (Grundversicherung) for Swiss residents, offering comprehensive fundamental medical protection as required by Swiss law (KVG). Available in three model variants: Standardmodell (standard coverage), Rabattmodell Hausarztsystem (discounted premiums with family doctor as gatekeeper before specialist visits), and Rabattmodell sanmed24 (discounted premiums with telemedicine consultations).
- rhenuPLUS Supplementary Insurance
Companies that use rhenusana
Customer profileSegments1 record
Ideal customer profiles2 records
rhenusana technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature1 record
rhenusana partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Krankenkasse StoffelcoreComplete acquisition and integration of Krankenkasse Stoffel in Mels as of January 1, 2024. Existing contracts seamlessly continued, branch office maintained with previous staff. Strategic expansion into Sarganserland region.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
rhenusana competitors and assessment
Company assessmentBroad incumbents
- Swica: Swiss health insurance company with a strong eastern Switzerland presence including St. Gallen canton. Directly comparable in terms of target market overlap with rhenusana's Rheintal/Sarganserland geography.
- Visana: Swiss health and accident insurer offering mandatory basic, supplementary, and accident coverage. Comparable product mix to rhenusana including rhenuPRIVAT Unfall equivalent lines, operating at greater national scale.
- Groupe Mutuel: Major Swiss health insurer providing both mandatory and supplementary insurance, with strong regional roots similar to rhenusana's heritage. Comparable product suite including supplementary dental, hospital, and travel coverage.
- Helsana: One of Switzerland's largest health insurers, offering Grundversicherung and supplementary Zusatzversicherung nationally. Highly comparable business model to rhenusana but with national reach and substantially larger premium volume.
- Concordia: Major Swiss health insurance fund offering mandatory basic and supplementary insurance. Comparable Krankenversicherung model to rhenusana with similar member-owned heritage but operating across multiple cantons.
- Sanitas: Swiss health insurance fund offering Grundversicherung and supplementary products, with a focus on digital innovation. Direct competitor in the Swiss supplementary insurance market that rhenusana participates in via the rhenu product line.
- CSS Versicherung: The largest Swiss health insurer, offering mandatory Grundversicherung and supplementary products nationwide. Directly comparable product mix to rhenusana but operates at much greater scale and geographic breadth across Switzerland.
Direct peers
- ÖKK: Regional Swiss health insurer with roots in Graubünden and eastern Switzerland. Comparable in scale and orientation to rhenusana, with similar focus on regional identity and member service within a multi-canton Swiss footprint.
- Atupri: Smaller-to-mid-sized Swiss health insurance fund focused on basic and supplementary insurance. Closest structural peer to rhenusana in terms of size, member-owned model, and product portfolio.
- KPT/CPT: Swiss health insurance fund offering Grundversicherung and supplementary insurance with strong regional roots. Closely comparable to rhenusana as a Krankenversicherung-style mutual insurer with multi-canton presence.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
rhenusana social profiles
Digital presencerhenusana financial estimates
Financial estimateRevenue estimate
Valuation estimate
rhenusana leadership team
Management profileNumber of profiles
Profiles1 record
rhenusana subsidiaries and ownership
Company hierarchySubsidiaries1 record
rhenusana funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
rhenusana 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 rhenusana
What does rhenusana do?
rhenusana is a regional Swiss health insurance fund (Krankenkasse) that sells statutory basic health insurance (Grundversicherung) and supplementary insurance products (Zusatzversicherung) to individuals and families residing primarily in the Rheintal and Sarganserland regions of Switzerland. Its portfolio spans three basic insurance model variants (Standardmodell, Hausarztsystem, sanmed24) and a suite of supplementary covers (rhenuPLUS, rhenuDENTA, rhenuHOSPITAL, rhenuSWISS, rhenuTOURIST, plus risk capital and accident insurance). The offering is delivered through three physical branch offices and digital self-service channels including a customer portal, document uploader, online premium calculator, and the myrhenusana mobile app.
Is rhenusana a public or private company?
rhenusana is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was rhenusana founded?
rhenusana was founded in 1944. It employs 11 to 50 people.
Where is rhenusana based?
rhenusana is headquartered in Heerbrugg, Switzerland, in the Europe region.
How does rhenusana make money?
One revenue line is on record: health Insurance Premiums.
Who are rhenusana's main competitors?
Broad incumbents on record are Swica, Visana, Groupe Mutuel, Helsana, Concordia, Sanitas and CSS Versicherung. Direct peers are ÖKK, Atupri and KPT/CPT.
Does rhenusana have an API?
No public API is recorded for rhenusana.
What industry is rhenusana in?
rhenusana's product category is Health Insurance. Its primary akta.pro industry code is FSAIAEAG, Medicare Supplement (Medigap), with a secondary code of FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 524114 and its SIC code is 6321.