Health Insurance & Fitness Subscription: How to Save up to CHF 900 Annually
Regular exercise is a key pillar of health prevention. Many health insurers reward this by contributing up to CHF 900 per year towards fitness, yoga, climbing, or other exercise classes as part of supplementary insurance. This article explains which offers are supported by insurers, what requirements apply, and what to watch for when comparing supplementary insurances.
Why Health Insurers Support Fitness and Sports Offers
Promoting health before illness occurs — that is the principle of prevention. Therefore, many Swiss health insurers offer contributions within their supplementary insurance for recognized exercise programs. The goal is to prevent diseases and improve quality of life.
Reimbursed activities include:
- Gym memberships
- Yoga and Pilates courses
- Climbing and bouldering subscriptions
- Back training and posture courses
- Online fitness programs
- Martial arts, Zumba, dance
- Relaxation and breathing therapy
- Swimming and aqua fitness courses
Frequently Asked Questions about Health Insurance & Sports
Those who are regularly active often ask:
- Which health insurer reimburses my fitness subscription?
- How much reimbursement is there for yoga or climbing training?
- Which providers or courses are recognized?
- Which supplementary insurance covers online offers or single sessions?
Answers depend on the insurer, the supplementary insurance chosen, and the exercise provider. Comparing is always worthwhile.
Reimbursement: What Do Health Insurers Pay?
Reimbursement amounts vary by provider and supplementary insurance. Some insurers pay CHF 100 to CHF 900 annually if conditions are met.
| Health Insurer | Max. Annual Reimbursement | Examples of Recognized Offers |
|---|---|---|
| CSS | up to CHF 800 | Fitness, yoga, back training |
| Swica | up to CHF 900 | Wide range, including alternative courses |
| Sanitas | up to CHF 600 | Sports courses, gym, prevention offers |
| Helsana | up to CHF 500 | Fitness subscription, Pilates, health courses |
| Groupe Mutuel | up to CHF 600 | Exercise courses, fitness, dance |
| Visana | up to CHF 600 | Exercise, back school, sports subscriptions |
| KPT | up to CHF 300 | Qualitop-certified studios |
| Atupri | CHF 300 to 500 | Movement partners, proof of attendance required |
| Concordia | CHF 100 to 600 | Gym, yoga, posture training |
| ÖKK | up to CHF 600 | Certified sports offers |
Note: Actual benefits depend on insurance model, residence, age, and contract.
Requirements for Reimbursement
For your health insurer to cover part of your subscription or course, the following usually apply:
- Supplementary insurance with the appropriate benefit module (e.g., prevention, movement, COMPLETA)
- Recognized provider — e.g., with Qualitop, EMfit, or Fitness-Guide certification, or on the insurer's partner list
- Submit proof — invoice, attendance confirmation, or subscription receipt
- Regularity — e.g., training units per year or duration subscription
Online courses or individual sessions are increasingly accepted depending on the insurer.
Typically Recognized Offers
Depending on insurer and supplementary coverage, these activities are often subsidized:
- Gyms & EMS
- Yoga, Pilates & body-mind offers
- Climbing & bouldering
- Back training & spinal courses
- CrossFit, bootcamp, Zumba, dance
- Swimming & aqua gym
- Meditation, breathing techniques & movement therapy
- Digital sports offers & apps
Conclusion: Save with Exercise — If Your Insurance Supports It
Being active means living healthier — and saving money. The right supplementary insurance significantly reduces your costs for fitness and health courses. A comparison of benefits is especially worthwhile for active people or families.
Compare Now & Secure Your Personal Reimbursement
With Compando, find out in a few clicks which health insurer supports your activity best — fitness subscription, yoga course, climbing training, or online workout.
➡️ Compare now on compando.ch
