What Krankenkasse Slkk does

Krankenkasse SLKK (legal name: Krankenkasse SLKK / SLKK Versicherungen) is a Swiss cooperative (Genossenschaft) health insurer headquartered at Hofwiesenstrasse 370, Zürich Oerlikon, founded in 1919 by the Swiss Teachers' Association (SLV) as a welfare institution for teachers and subsequently opened to all Swiss residents. The company is owned by its members/policyholders and operates on a non-profit basis with the stated objective of offering fairly calculated premiums and personal advisory service ('von Mensch zu Mensch'). It carries 11-50 employees and is privately held under cooperative ownership, with no parent company, institutional investors, or M&A activity disclosed.

SLKK's product architecture spans mandatory Swiss basic health insurance (Grundversicherung/KVG) offered through three care-delivery models — SLKK-HomeCare (family doctor), SLKK-TelCare (telephone-first via Medgate), and SLKK-SmartMed (digital-first via the Medgate app) — plus a layered stack of voluntary supplementary products under VVG: SLKK-QualiCare (basis/comfort tiers), MedicoPlus (Standard/Alternativ/Complet/Jeunesse), Spitalzusatzversicherung F1-F4 and SuperFlex® (flexible hospital ward with up to 40% no-claims discount). Specialty offerings include Assistance (via AXA), dental insurance (five models I1-I5), travel insurance, capital insurance (KTI/UTI), daily allowance insurance (KVG and VVG), and partner products JUSTIS legal insurance (via CAP) and pet insurance (via Calingo). The technology stack consists of a customer self-service web portal (mySLKK at app.slkk.ch), an online premium calculator (praemienrechner.slkk.seconag.com), a new ERP system deployed in 2024 specifically developed for health insurers, and a fully digital SLKK Magazine on Yumpu (launched spring 2026). Go-to-market is exclusively direct: in-person consultations at the Zürich Oerlikon office, phone, Microsoft Teams video consultations, email/contact forms, and online self-service — with no broker or intermediary distribution.

The revenue model is built on recurring monthly subscriptions across regulated and voluntary product lines. Mandatory KVG premiums are set by canton, age, and deductible per Swiss law; voluntary VVG premiums are quote-based. Pricing levers include a 0.5% Skonto for semi-annual and 1% for annual KVG payment, a 5% family discount for 3+ persons on identical supplementary coverage, multi-year contract discounts on hospital insurance (3-year term), and a 5%-per-year (up to 40%) no-claims discount on SuperFlex®. Customer segments are primarily individual Swiss residents — with families with children as a primary persona, plus educators (heritage segment), underinsured individuals (KTI/UTI), hospital-care seekers, and pet/legal-product add-on buyers. Marketing is multi-channel: website, blog, newsletter, Facebook/Instagram/LinkedIn, and community sponsorships (Team Rynkeby Schweiz, Kinderspitex Sommerfest 2026, Kinderkrebsforschung Schweiz).

Name

Krankenkasse Slkk

Legal name

Krankenkasse SLKK / SLKK Versicherungen

Website

https://slkk.ch

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

11–50 employees

Short description

Krankenkasse SLKK is a Swiss cooperative health insurer founded in 1919, offering mandatory basic insurance (KVG) with three care models plus a full stack of supplementary, specialty, and partner insurance products to individual Swiss residents on a non-profit, direct-distribution basis.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Health insurance products
• Supplementary medical insurance
• Mandatory basic insurance
• Hospital supplementary coverage
• Specialty insurance products

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Basic Health Insurance (KVG/KVG-Grundversicherung): SLKK collects insurance premiums from all Swiss residents who are required by law to have basic health insurance. Premiums are determined by the insured's place of residence, age, and chosen deductible (franchise). The covered benefits are legally standardized across all Swiss health insurers.
2. Supplementary Health Insurance (Zusatzversicherungen VVG): SLKK earns premium revenue from voluntary supplementary insurance products including QualiCare (two tiers: basis and comfort), MedicoPlus (four variants including Jeunesse for children), and hospital supplementary insurance (F1–F4 and SuperFlex). These products are priced individually and provide expanded coverage beyond the mandatory basic insurance.
3. Capital and Risk Insurance (Kapitalversicherungen KTI/UTI): SLKK offers risk capital insurance (KTI) for financial protection in case of death or disability due to illness, and accident supplementary insurance (UTI) providing lump-sum payments for death or disability resulting from accidents. Premiums are collected on a subscription basis.
4. Specialty and Supplementary Insurance Products: Additional specialty insurance products including dental insurance (Zahnpflegeversicherung with 5 models), daily allowance insurance (Taggeldversicherung KVG and VVG), travel and holiday insurance (Ferien- und Reiseversicherung), assistance insurance, and private/traffic legal protection. All generate recurring premium revenue.
5. Partner Insurance Products (Partnerversicherungen): SLKK earns referral/commission revenue from partner insurance products including JUSTIS legal protection (offered through CAP) and pet insurance through Calingo. These are offered to existing SLKK customers as bundled add-on products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Krankenkasse SLKK is a Swiss cooperative health insurer that sells mandatory basic health insurance (KVG/Grundversicherung) with three primary care models (HomeCare family doctor, TelCare telemedicine, SmartMed digital) alongside a comprehensive portfolio of supplementary, specialty, and partner insurance products (QualiCare, MedicoPlus, Spitalzusatzversicherung F1–F4, SuperFlex, dental, travel, capital, daily allowance, legal protection, and pet insurance). All products are sold directly to Swiss residents without intermediaries, supported by personal advisory services and digital tools.

Product overview

SLKK Krankenkasse & Versicherungen is a Swiss health insurance cooperative (Genossenschaft) founded in 1919, offering mandatory basic health insurance (Grundversicherung/KVG) with three model options (Homecare, TelCare, SmartMed), supplementary insurance products (QualiCare, MedicoPlus, Spitalzusatzversicherung F1-F4/SuperFlex), and special insurance offerings (Assistance, dental, travel, capital, daily allowance). The portfolio also includes partner products such as JUSTIS legal insurance (CAP) and pet insurance (Calingo). Core digital services include the mySLKK customer portal, premium calculator, and video consultation. SLKK positions itself as a non-profit-oriented cooperative offering transparent, personal advice with fair premiums.

Differentiator

Problem solved

Functional benefit

Products and services

• Grundversicherung (KVG) — Mandatory Basic Health Insurance

Quantifiable outcome

• 88% of surveyed customers would recommend SLKK
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• MedgatecoreTechnology or Integration · 1 January 2026Medgate is the Swiss center for telemedicine and serves as the backbone of SLKK's TelCare (telephone-first) and SmartMed (digital app-based) insurance models. Policyholders in these models must first contact Medgate (available 24/7 by phone or video) before seeking in-person care. Medgate refers patients to appropriate specialists when needed.
• Kinderspitex (Schweizerischer Kinderspitex Verein)minorGTM or Marketing Partner · 1 January 2026SLKK is the Presenting Partner of the Kinderspitex Summer Festival 2026, taking place on 23 August 2026 at the open racing track in Zürich Oerlikon. The event supports families with children facing serious illness or disability, and includes activities for all ages. SLKK offers discounted tickets and a prize draw for customers.
• Team Rynkeby SchweizminorGTM or Marketing Partner · 1 January 2024SLKK sponsors Patrick Meier who participated in the Team Rynkeby Schweiz cycling event from Zürich to Paris (8 stages, 1,134 km, 7,730 m elevation gain) in June–July 2024. The sponsorship supports Kinderkrebsforschung Schweiz (Childhood Cancer Research Switzerland). EUR 8,623,750 was raised collectively by all Team Rynkeby participants in 2024.
• Kinderkrebsforschung SchweizminorGTM or Marketing Partner · 1 January 2024Childhood Cancer Research Switzerland is the charitable beneficiary of the Team Rynkeby Schweiz cycling event sponsored by SLKK. The sponsorship funds go directly to the foundation to support research into childhood cancers.
• Psycons GroupminorStrategic or Co-development Partner · 1 January 2023Since June 2023, SLKK has partnered with Psycons Group to support a reintegration program for social welfare recipients. Psycons Group's model is described as unique compared to other employment integration programs. SLKK participates as a supportive partner in this social responsibility initiative.
• Mini-ZahniminorGTM or Marketing Partner · 1 January 2022Mini-Zahni is a dental network partner offering SLKK customers a 20% discount on orthodontic and general dental treatments. As stated in SLKK Magazine 29/22.
• AXAcoreTechnology or IntegrationAXA is SLKK's partner for the Assistance insurance product, which covers rescue transports, transfer transports, repatriation from abroad to Switzerland, and search and rescue operations. The Assistance insurance is a free bundled add-on with supplementary insurance products.
• CAP (JUSTIS Rechtsschutz)coreChannel Partner/ Reseller/ DistributorCAP offers the JUSTIS legal insurance product through SLKK. JUSTIS provides legal protection for SLKK customers in areas including work, data protection, family, health, travel, shopping, traffic, insurance, and housing. It is bundled free of charge with SLKK hospital supplementary insurance (F1–F4, SuperFlex). SLKK offers a bonus of the 2nd month free for new JUSTIS subscribers.
• CalingominorChannel Partner/ Reseller/ DistributorCalingo is SLKK's partner for pet insurance covering cats and dogs. The insurance protects pets of all breeds and ages, including those with pre-existing conditions. All policy administration and claims are handled digitally via the Calingo platform. Calingo also offers a benefit program with partner offers worth several hundred francs per year.
• HotelCardminorGTM or Marketing PartnerHotelCard is a hotel discount partnership offering SLKK customers access to over 500 hotels with up to 50% discount. Available to SLKK customers at a preferential price (1-year subscription: CHF 79, 2-year: CHF 149, 3-year: CHF 197). Managed through [email protected].
• AlpamareminorGTM or Marketing PartnerAlpamare water park (Bad Seedamm AG) offers SLKK policyholders 25% discount on admission for the policyholder and up to three accompanying persons. Valid from 01.02–30.06.2026. Valid ID required at entry.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Swica Versicherungen: Major Swiss health insurer (corporation under cooperative foundation) known for strong supplementary insurance products and a health-promotion focus. Comparable product mix and target customer base to SLKK but with significantly larger premium volume and member count.
• Sanitas Krankenversicherung: Large Swiss health insurance foundation offering basic, supplementary, and private health insurance with strong brand recognition. Comparable portfolio and customer base to SLKK, though operating at much larger scale with broader digital capabilities.
• CSS Versicherung: Switzerland's largest health insurer with millions of policyholders, offering the full range of basic and supplementary insurance. Functions as a broad incumbent across the same Swiss market SLKK operates in, but with vastly greater scale, marketing budget, and product breadth.
• Visana Versicherungen: Major Swiss health, accident, and property insurer serving individuals and businesses with comprehensive product range. Comparable end-market and product mix to SLKK but with substantially larger membership and broader distribution.
• Helsana Versicherungen: One of Switzerland's largest health and accident insurers, offering basic, supplementary, and accident insurance with strong brand recognition. Comparable end-market (all Swiss residents) and product portfolio, but operates at significantly greater scale than SLKK.

Direct peers

• Atupri Versicherungen: Smaller Swiss health insurer (part of the Visana Group) focused on individual and corporate customers with a personal-service ethos. Closely comparable to SLKK in scale and customer-segment focus, offering similar basic and supplementary products.
• Concordia Versicherungen: Swiss cooperative-style health and life insurer headquartered in Lucerne, offering mandatory basic and supplementary insurance with a similar personal-advisory ethos to SLKK. Most directly comparable as a Swiss mutual-style full-stack health insurer.
• Progrès Versicherungen: Smaller Swiss health insurance cooperative focused on basic and supplementary insurance for individual customers. Most directly comparable to SLKK by virtue of cooperative structure, niche scale, and personal-service orientation.
• KPT Versicherungen: Swiss cooperative health insurer (Krankenkasse PT) offering basic and supplementary insurance with emphasis on personal service. Operates in the same niche as SLKK with a similar cooperative DNA and comparable scale among mid-sized Swiss health insurers.

Emerging players

• Mobiliar Versicherungen: Major Swiss mutual insurer offering health and accident insurance alongside property/casualty lines, with growing digital insurance offerings. Comparable in offering supplementary health products and serving Swiss residents, though health insurance is not Mobiliar's primary focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/slkkversicherungen
• LinkedInlinkedin.com/company/krankenkasse-slkk
• Instagraminstagram.com/slkk.ch

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Krankenkasse Slkk