Insurers and Fitness Subscriptions: Which Insurer Pays the Fitness Studio?

1. Does my supplementary insurance participate in fitness costs?

In Switzerland, mandatory basic insurance covers no costs for your fitness subscription. Anyone who wants to receive a share of the costs needs an outpatient supplementary insurance with prevention or health promotion tariff.

Depending on the supplementary insurance, insurers cover not only fitness subscriptions, but also yoga and Pilates courses, back training, movement programmes or pregnancy gymnastics. Some providers reward your activity additionally with premium discounts or bonus points.

2. Which insurer pays which fitness studio share?

How high the reimbursed share is depends on the chosen tariff. The 14 largest Swiss insurers reimburse between CHF 200 and CHF 1'300 per year on the fitness subscription.

Maximum annual cost participations per calendar year with existing supplementary insurance (selection, not exhaustive):

_{Status: June 2026. *The maximum cost participation can differ within the same insurer by tariff level. Binding are the current insurance conditions of the respective product.}

3. Which fitness studios are recognised by insurers?

Insurers do not cover every fitness subscription. Prerequisite is a valid quality certification of the studio. In Switzerland, most insurers require at least one of the three widespread labels: Qualitop, QualiCert or Fitness-Guide.

The certification status of your desired studio you clarify directly with the studio or your insurer. Within the same studio chain, the recognition can be different from branch to branch.

4. Do I have to provide a training proof?

So that the insurer pays out the cost participation, you must prove your membership in the fitness studio. Depending on the provider, the subscription confirmation of the studio, the receipt for the paid subscription costs as well as frequently the contract copy are submitted. Individual insurers additionally require a visit proof, usually 24 to 30 documented training sessions per year.

5. Is supplementary insurance worthwhile only for the fitness subscription?

The conclusion of a supplementary insurance exclusively for the fitness reimbursement rarely pays off. Many tariffs cover further outpatient benefits. These include alternative healing methods such as acupuncture or homeopathy, supplementary therapies such as medical massages as well as movement courses such as yoga and Pilates. In combination with these benefits, supplementary insurance can be sensible.

When taking out new insurance, insurers require a health questionnaire. An existing policy you should therefore only terminate as soon as the new provider has accepted you. For fitness benefits, usually no waiting periods apply, so that the subscription is covered from the start of insurance.

This article was first published on 16/02/2026