Agrisano

What Agrisano does

Agrisano is a private Swiss insurance group based in Brugg and structured around five entities: Fondation Agrisano, Caisse-maladie Agrisano SA, Assurances Agrisano SA, Agrisano Prevos, and Agrisano Pencas. It was founded by the Swiss Farmers' Union to serve the Swiss agricultural population, including farming families, farmers and working family members, non-family agricultural employees, and agricultural employers. The group has approximately 270 employees and reported scale signals including 185,000 basic health insurance policyholders, more than 79,000 AGRI-spécial supplementary insurance policyholders, 33,129 farmers with pension solutions, and 15,432 farms with employees insured via global insurance.

The product portfolio spans mandatory Swiss basic health insurance, supplementary health insurance, daily allowance insurance, global insurance for agricultural employees, occupational pension solutions, property and liability insurance, legal protection, and prevention and wellbeing services. Basic insurance is offered through BASIS, AGRI-eco, AGRI-contact, and AGRI-smart models; pension products are delivered through Agrisano Prevos for farmers and working family members and Agrisano Pencas for non-family agricultural workers. Its technology stack is practical rather than deep-tech: a TYPO3-based website, online premium calculator, Meine Agrisano customer portal, Agrisano Scan-App for submitting invoice receipts, and app-based handling for the AGRI-smart digital model.

Agrisano monetizes primarily through recurring insurance premiums, administrative fees on pension assets, and commissions or intermediation economics on third-party property and liability products. Pricing varies by canton, basic-insurance model, deductible level, and individually underwritten supplementary or pension products; one disclosed employee-liability product is priced at CHF 5.40 per foreign employee per month. Go-to-market is built around regional insurance agencies embedded in cantonal agricultural organizations across Switzerland, supported by direct advisory, a customer portal, a premium calculator, newsletters, customer magazine content, and agricultural-community partnerships.

Name

Agrisano

Legal name

Agrisano Stiftung

Website

https://agrisano.ch

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Agrisano is a private Swiss insurance group serving farming families and agricultural employees with mandatory health insurance, supplementary coverage, employee global insurance, pensions, property/liability products, and digital self-service tools distributed through cantonal agricultural organizations.

Ownership category

akta.pro rank

Product category

Agricultural Health Insurance

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Farm Risk Management & Insurance Advisory (AFACAJAD)

akta.pro secondary industries

Crop & Farm Property Insurance (FSAJACAK), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Agricultural health insurance
• Farm insurance solutions
• Occupational pension farming
• Supplementary health coverage
• Agricultural employee insurance

Headquarters

HQ city

Brugg

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Basic Health Insurance (Grundversicherung / Assurance obligatoire): Mandatory Swiss health insurance (KVG/LAMal) providing coverage for illness, maternity, and accidents. Premiums are the primary revenue stream. Approximately 185,000 basic insurance policyholders. Revenue generated through regular premium payments from policyholders, with premium levels set annually per cantonal region and policy model chosen.
2. Supplementary Health Insurance (Zusatzversicherungen / Assurances complémentaires): Supplementary insurance products (AGRI-spécial, AGRI-dental, AGRI-natürlich, Hospital Flex, Spitalzusatz, etc.) exclusively available to the agricultural population. Over 79,000 policyholders benefit from AGRI-spécial. Revenue from recurring premiums on these supplemental policies.
3. Daily Allowance Insurance (Taggeldversicherung / Indemnité journalière): Daily allowance insurance (AGRI-revenu) for agricultural workers covering inability to work due to illness, accident, or maternity. Provides income replacement and is essential for those working in agriculture.
4. Global Insurance for Employees (Globalversicherung / Assurance globale): Comprehensive insurance package for non-family agricultural employees, including health insurance, accident insurance, daily allowance, occupational pension (Pillar 2a), and private liability. Revenue from employer-paid premiums, with cost-effective rates due to collective pooling.
5. Voluntary Occupational Pension 2b (Berufliche Vorsorge 2b / Prévoyance professionnelle facultative): Agrisano Prevos provides voluntary occupational pension plans for farmers and working family members covering risks of death, disability, and old age, with tax advantages of the Pillar 2b structure. Assets under management grew from CHF 1,707 million (end 2024) to CHF 1,914 million (end 2025). Revenue from administrative fees on managed assets.
6. Liberal Pension 3b (Freie Vorsorge 3b / Prévoyance libre 3b): Risk and savings insurance under Pillar 3b for persons without own income and for additional savings, offered by Fondation Agrisano.
7. Property and Liability Insurance (Sach- und Haftpflichtversicherungen): Property and liability insurance products offered in partnership with Emmental Versicherung, covering buildings, inventory, vehicles, animals, business liability for agriculture and viticulture, as well as private individuals. Commission revenue from intermediating third-party insurance products.
8. Professional Pension 2a for Employees (Berufliche Vorsorge 2a / Prévoyance professionnelle 2a): Agrisano Pencas manages occupational pension (BVG/LPP) for non-family agricultural employees. Assets managed: CHF 520 million as of 31.12.2025. Revenue from administrative fees on pension assets.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

Agrisano is a Swiss agricultural insurance group offering mandatory basic health insurance (KVG/LAMal) and supplementary health insurance products under the AGRI brand, along with occupational pension solutions (Pillar 2a/2b/3b), daily allowance insurance, global insurance packages for farm employees, and property/liability coverage. The offering is exclusively tailored to Swiss farming families, their members, and non-family agricultural employees, distributed through a network of regional agencies embedded in cantonal agricultural chambers.

Product overview

Agrisano is a Swiss agricultural insurance group comprising five companies (Fondation Agrisano, Caisse-maladie Agrisano SA, Assurances Agrisano SA, Agrisano Prevos, and Agrisano Pencas) offering a comprehensive portfolio of insurance and pension solutions specifically designed for Swiss farmers, their families, and employees. The core offering centers on mandatory basic health insurance (Grundversicherung) with four models (BASIS, AGRI-eco, AGRI-contact, AGRI-smart), supplemented by a suite of AGRI-branded supplementary insurances (AGRI-spécial, AGRI-dental, AGRI-natürlich, AGRI-revenu, AGRI-protect), hospital and capital insurance, and travel coverage. Beyond health insurance, Agrisano provides occupational pension solutions through Agrisano Prevos (pillar 2b for farmers) and Agrisano Pencas (pillar 2a for agricultural employees), global insurance packages for farm employees, and property/liability insurance via Emmental Versicherung partnership. The group also offers services including digital tools (premium calculator, customer portal, scan app), comprehensive consultation, mental health programs, and the biennial Prix Agrisano social award. With approximately 185,000 basic insurance policyholders and 79,000 AGRI-spécial insured, Agrisano serves as the specialized insurance partner of Swiss agriculture.

Differentiator

Problem solved

Functional benefit

Brands

• AGRI-eco: Family doctor insurance model for basic insurance
• AGRI-contact
• AGRI-smart
• AGRI-spécial
• AGRI-dental
• AGRI-naturel
• AGRI-revenu
• AGRI-protect
• BASIS
• Hospital Flex
• Prix Agrisano

Products and services

• Grundversicherung BASIS (BASIS Basic Insurance) Mandatory basic health insurance (KVG/LAMal) covering medical expenses for illness, maternity, and accidents with standard coverage and free choice of doctor. Premiums vary by canton and franchise level.
• AGRI-eco Family Doctor Insurance (AGRI-eco Hausarztversicherung)

Quantifiable outcome

• 96% of customers would recommend Agrisano (2025 satisfaction survey)
• +6 more outcomes

Named customers4 records

Segments4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

13 partnerships are on record, tiered core and minor.

• All Cantonal Agricultural Organizations (Schweizer Bauernverbände)coreChannel Partner/ Reseller/ DistributorAgrisano's primary distribution channel is embedded within all 26 Swiss cantonal agricultural organizations (Bauernverbände). Regional insurance advisory agencies are housed within these chambers, providing personalized insurance advice to farming families. Partners include: AG (Bauernverband Aargau), AI/AR (Bauernverband Appenzell), BE (Berner Bauern Verband), BL/BS (Bauernverband beider Basel), FR (Union des paysans fribourgeois), GL (Glarner Bauernverband), GR (Bündner Bauernverband), JU (Chambre jurassienne d'agriculture), LU (Luzerner Bäuerinnen- und Bauernverband), NE (Chambre neuchâteloise d'agriculture et de viticulture), NW/OW (Agro-Treuhand Uri, Nid- und Obwalden), SG (St. Galler Bauernverband), SH (Schaffhauser Bauernverband), SO (Solothurner Bauernverband), SZ (Bauernvereinigung des Kt. Schwyz), TG (Verband Thurgauer Landwirtschaft), TI (Unione Contadini Ticinesi), UR (Bauernverband Uri), VS (Bauern Vereinigung Oberwallis), ZG (Zuger Bauernverband), ZH (Zürcher Bauernverband).
• Swiss Farmers' Union (USP / SBV)coreStrategic or Co-development PartnerAgrisano is wholly owned by the Swiss Farmers' Union (Union suisse des paysans / Schweizer Bauernverband). The USP is the umbrella organization for Swiss agriculture, providing Agrisano with institutional legitimacy, brand credibility, governance (board members), and a direct channel to the farming community. All five Agrisano enterprises are integral parts of the USP's social services and insurance concept.
• Emmental Versicherung (Emmental Insurance)coreTechnology or IntegrationFondation Agrisano acts as an intermediary for property and liability insurance products from Emmental Versicherung. Products include agroPak (modular insurance package for agriculture) and vitiPak (for viticulture), bundling all important coverages for farms and private households into a single policy. This partnership also covers private liability insurance for foreign agricultural employees.
• Community of Work of Agricultural Professional Associations (ABLA / Communauté de travail des associations professionnelles d'employés agricoles)coreStrategic or Co-development PartnerABLA is the co-founding organization of Agrisano Pencas alongside the Swiss Farmers' Union. The foundation board of Agrisano Pencas includes representatives from both the USP and ABLA, ensuring employer-employee balance in the governance of employee pension products.
• Swiss Rural Youth Association (Landjugend / Jeunesses rurales)minorGTM or Marketing PartnerAgrisano is the principal sponsor (Hauptsponsor) of the Swiss Rural Youth Association, having signed a formal partnership agreement. This sponsorship supports rural youth activities and events, reinforcing Agrisano's brand positioning within the agricultural community.
• Swiss Rural Women and Women Farmers' Association (USPF / Union suisse des paysannes et des femmes rurales)minorGTM or Marketing PartnerAgrisano has maintained excellent relations with the USPF for many years. Since 2012, the partnership has been strengthened with joint activities. Agrisano supports USPF in promoting the professional, economic, social, and cultural interests of its members. The USPF president serves on the Agrisano Foundation board.
• AgrimpulsminorStrategic or Co-development PartnerAgrimpuls provides agricultural employers with information on employment law and source tax obligations. Relevant for employers in agriculture using Agrisano's global insurance products. Also mentioned in relation to cantonal normal employment contracts that affect insurance premium obligations.
• santésuisseminorOthersSwiss health insurance industry association. Listed as a partner of Agrisano in the context of the broader insurance ecosystem.
• RVK (Rechtsschutz-Versicherer-Konzentration)minorOthersAgrisano maintains a relationship with RVK in the context of its legal protection insurance offerings.
• TarifsuisseminorOthersSwiss organization negotiating tariffs and rates with healthcare providers on behalf of member health insurers. Relevant to Agrisano's basic health insurance operations.
• Swiss Rural Information Service (LID / Landwirtschaftlicher Informationsdienst)minorGTM or Marketing PartnerThe LID handles the preselection of media award candidates for the USP Media Prize, which is sponsored by Agrisano. Relevant to joint PR and communications activities.
• Orion Assurance de protection juridiqueminorOthersOrion provides legal protection insurance services, mentioned as a partner within Agrisano's insurance ecosystem.
• Solida Assurances SAminorOthersSwiss insurance company, listed as a partner within Agrisano's broader insurance network.

Scale indicators16 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Helsana: Switzerland's largest health insurance company with a national generalist proposition. Competes with Agrisano in the basic health insurance market for Swiss farming families, offering alternative basic insurance models at scale.
• Swica: One of Switzerland's largest health insurers with broad product portfolio and national distribution. Competes for the same pool of Swiss insurance policyholders, including agricultural households that can switch basic insurance annually.
• Groupe Mutuel: Major Swiss mutual insurer offering health, life, and property insurance across Switzerland. A relevant competitor for basic and supplementary health insurance within the same Swiss farming population, but with a generalist rather than vertical-specialist positioning.
• Visana: Swiss health and accident insurer with a broad national footprint. Overlaps with Agrisano in basic insurance, supplementary cover, and accident insurance products, particularly relevant for non-family agricultural employee coverage.
• Concordia: Swiss mutual health and accident insurer with national coverage including rural and farming regions. Directly competes with Agrisano for basic health insurance policyholders in Swiss cantons, though Concordia operates as a broad generalist rather than an agricultural specialist.
• CSS Versicherung: Major Swiss health insurer with broad national reach including alternative insurance models (family doctor, telmed) similar to Agrisano's AGRI-eco and AGRI-contact offerings, competing directly for the same Swiss household market.
• Sympany: Basel-based Swiss health and casualty insurer offering basic insurance under multiple models — comparable to Agrisano's BASIS/AGRI-eco/AGRI-smart tiering — and a candidate alternative for switching policyholders.
• Sanitas: Swiss health insurance company operating across all cantons with comparable basic and supplementary insurance products. Competitor for Swiss farming families evaluating annual basic-insurance switching decisions.

Others

• Emmental Versicherung: Swiss property and liability insurer whose agroPak and vitiPak modular policies are intermediated by Fondation Agrisano. A partner rather than competitor in property/liability, but the underlying carrier for Agrisano's farm P&C product line.

Emerging players

• EGK (Eidgenössische Gesundheitskasse): Swiss health insurer focused on complementary and alternative medicine, with product overlap to Agrisano's AGRI-natürlich supplementary insurance. Smaller scale than Agrisano but a specialist overlap in the natural-medicine niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/agrisano

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

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 Agrisano