Aquilana Versicherungen

Aquilana Versicherungen is a Swiss health insurance provider based in Baden, in the canton of Aargau. The firm has operated as a mutual insurance company serving customers across the country, positioning itself as a stable, quality-focused provider emphasizing personal service and customer proximity over volume.

Getting covered as a new arrival

Every person arriving in Switzerland must register for health insurance within three months of establishing residency. Aquilana offers this as its core business: basic mandatory health insurance (Grundversicherung) under the federal framework, the KVG. The firm provides a premium calculator on its site where you can enter your age and postal code to get an estimate, though the site does not disclose full pricing without going through that tool. This is typical across Swiss insurers; detailed rates are individual and depend on age, deductible choices, and regional factors.

The firm addresses a specific concern for new arrivals: English language support. While the site itself is in German, Aquilana publishes FAQs for its SMARTMED basic insurance model in French, Italian, and English, signalling that it can serve non-German speakers during enrollment and claims. The site does not state whether brokers in your region speak English, so verifying this during your first contact would be wise.

Insurance models and options

Aquilana offers two main basic insurance models: CASAMED and Aquilana SMARTMED. CASAMED is a family-doctor model, meaning you nominate a general practitioner and route non-emergency care through that doctor first. SMARTMED is described more simply as an alternative model, though the site does not detail the differences in coverage or restrictions. Both are mandatory insurance options under Swiss law, so both meet the legal requirement for residency.

Supplementary insurance (Zusatzversicherung) is optional and sits on top of the mandatory basic plan. Aquilana sells several supplementary products: PLUS coverage for inpatient care, TOP coverage (a higher tier), dental insurance (Zahnpflegeversicherung), and spa/wellness components. These are sold individually so you can add coverage for what matters to you.

Beyond basic and supplementary health insurance, Aquilana sells several other insurance lines: travel insurance (Reiseversicherung) for trips abroad, daily allowance insurance (Taggeldversicherung) that pays you if you cannot work due to illness, accident insurance (Unfallversicherung), and a combined life and disability product (Krankheits- Tod- und Invaliditäts-versicherung, KTI). For someone newly arrived, the basic and supplementary health tiers are the immediate priorities; the other products address longer-term planning.

How to begin

Aquilana's site offers a premium calculator to estimate your costs, and contact forms to request a formal quote. The firm's main office is at Bruggerstrasse 46 in Baden, open Monday to Friday 08:00 to 16:30 (continuously, no midday close). You can reach them at +41 56 203 44 44 during those hours. For urgent medical advice or after-hours medical queries, the firm publishes a 24-hour contact line: +41 56 203 44 88.

A notable addition to Aquilana's offering is a partnership with Medgate, a telemedicine provider. Once enrolled, you can book an appointment with a Medgate doctor at any time and receive medical advice or prescription renewals remotely. The site does not specify pricing for this service or whether it is included in all plans, so asking about Medgate coverage during enrollment makes sense.

The site publishes no application timeline, but Swiss insurers typically confirm coverage within days once paperwork is received. Aquilana does accept applicants from abroad (Neu in der Schweiz, New to Switzerland, is listed in its menu), though the site does not detail whether enrollment is faster or simpler for arrivals compared to domestic transfers.

What the site does not settle

Aquilana's site leaves several key questions unanswered. First, the exact scope of coverage under each model is not stated. SMARTMED is offered as an alternative to the family-doctor CASAMED model, but the site says nothing about whether SMARTMED restricts specialist access or how pre-authorization works. Readers expecting a detailed coverage schedule would need to request one.

Second, the cost structure is opaque. While the site provides a calculator, it does not disclose the base premiums, the deductible ranges available, or how age and canton affect pricing. You have to go through the calculator or call to learn what you would actually pay. For someone arriving with limited information about Swiss insurance, this is a significant gap.

Third, the site does not explain the process of switching insurers or changing plans partway through a year, both common questions for newcomers. It also does not describe how pre-existing conditions are handled or whether there are waiting periods for supplementary insurance.

Who this serves

Aquilana suits people who prioritize a personal touch and are comfortable with a regional provider rooted in German-speaking Switzerland. The firm's repeated emphasis on customer satisfaction, personal consultation, and proximity to its advisors suggests a slower, more deliberate service model compared to online-only competitors. If you value speaking to a human and building a longer-term relationship with your insurer, this approach appeals.

The firm also appears to serve families well: it markets a combined adult-child supplementary plan, and its language support signals an effort to include non-natives. The Medgate partnership is useful for busy professionals and parents who need medical advice without leaving home.

Aquilana may not suit someone seeking the absolute lowest premium or a fully digital enrollment process. The site and marketing are substantially in German, and while English FAQs exist for one product, the primary engagement is German-language. For arrivals comfortable in German or alongside German-speaking partners, this is much less of a friction point.

The firm also operates at scale: it is a mutual insurance company (not a startup), so solvency and long-term stability are established facts rather than hopes. This matters for people prioritizing certainty in healthcare coverage over competitive pricing.

The verdict

Aquilana is a straightforward choice for mandatory health insurance in Switzerland, especially for German-speaking arrivals and those in regions where the firm is established. The firm offers the range of mandatory and supplementary products expected, publishes a way to estimate costs, and promises 24-hour medical support. The personal-service angle and regional rootedness are genuine differentiators, though they come with slower service and less online transparency than some competitors. New arrivals should go through the premium calculator, request quotes for both CASAMED and SMARTMED to compare, and confirm what supplementary coverage (if any) the firm recommends for your age and situation before committing.