Confidential interview
Fifteen minutes on the phone with an advisor based in Switzerland. We map your income, household, canton and dormant rights.
LAMal subsidy · Edition 2026
Your application
Your application
for LAMal subsidy
now.
Every year, nearly one in three Swiss households does not claim the health-insurance subsidy they are entitled to. We recover it for you — in forty-eight hours, without a single form to fill in. Fully free service.
On average, per household, every year
CHF2'140.–
Unclaimed. Unpaid. Because a form must be filled in, a cantonal scale understood, an income proven. We handle it — for free.
Pricing · Transparency
and here's
why.
Vous ne payez rien. Nonee commission on les subsides récupérés, aucun frais de dossier. Notre modèle s'aligne on celui des courtiers agréés en Suisse : nous sommes rémunérés par les compagnies d'assurance partenaires, comme le prévoit la réglementation .
1You entrust us with the file. No payment.CHF 0
2We file the application with your canton.CHF 0
3The canton pays the subsidy directly to your account.CHF +2'140
4Our partner insurer pays us a regulated commission.Via
No fees, no client commission
Nous n'inscrivons pas de ligne « honoraires » on votre budget. Never.
You keep your health insurer
Nous n'imposons aucun changement. Si un changement is est proposé, c'est parce qu'il réduit votre prime.
-approved, in the Intermediaries Register
Our status is audited annually. Renewable certification.
Service independent from the canton
Helvetic Assist is not mandated by any cantonal administration. We act as your private representative.
Our method
Three beats,
Three beats,
zero paperwork.
We have reduced the process to the essentials: a fifteen-minute interview, a proxy signed online, a file we carry through to the last administrative stamp. You never touch a cantonal form.
Dossier in 48 h
We build the file, draft the application per cantonal criteria, and file it with the relevant compensation office.
Subsidy received
The subsidy is paid directly by your canton, monthly. We track changes to renew automatically.
What we recover
Beyond
Beyond
the subsidy.
A file opened with us reveals, on average, four forgotten benefits. Here are those we most often identify and obtain.
/01
LAMal subsidy Cantonal reduction of the mandatory health premium.
Cantonal · monthly
CHF 2'140avg / year
/02
Family allowances Supplement based on household composition.
Federal + cantonal
CHF 3'000per child / year
/03
Tax deductions Premiums, medical costs, 3rd pillar, dual residence.
Tax
CHF 800saved / year
/04
Housing aid Cantonal rent subsidy (LC, DALE, DLCI).
Cantonal
CHF 2'400avg / year
/05
Supplementary benefits AHV/IV, partial invalidity, modest incomes.
Federal
variableper situation
Comparison
Why
Why
us,
not anyone else.
There are three ways to get the LAMal subsidy: apply yourself via the cantonal portal, go through an insurance broker, or entrust the file to us.
| Helvetic Assist | Portail cantonal | Courtier d'assurance | |
|---|---|---|---|
| Cost to the client | CHF 0funded by insurers | CHF 0 · self-managed | CHF 0, but must subscribe |
| Filing delay | 48 hours | Variable · depending on completeness | 2 to 4 weeks |
| Forms to fill | None — single signature | 10 to 15 documents | Insurer + canton forms |
| Ancillary rights identification | Allowances, tax, housing | No — LAMal only | No — insurance focus |
| Forced insurer change | Never | — | Often required |
| Annual renewal | Automatic, included | Your responsibility | Variable |
| 4-language support | FR · DE · IT · EN | FR / DE by canton | FR / DE |
Testimonials
What our
What our
clients
say.
More than 4,800 Swiss households recovered what was owed to them. Three voices among many.
Three years my insurer denied me the subsidy. In one call, they saw what no one had seen. Retroactive payment: 6,420 francs.
You always think you won't get anything, that you earn too much. It's false. I was entitled to a partial subsidy and no one had told me.
Arrived from France last year. They handled permits, tax and LAMal in one week. Alone I wouldn't have known where to start.
Frequent questions
Everything, black
Everything, black
on white.
These are the questions our clients ask in the first week. If yours is missing, call us — human reply in 2 hours.
Is the service really free?
Oui. None frais, aucune commission, aucune retenue on les subsides récupérés. Nous sommes rémunérés par les compagnies d'assurance partenaires (courtage ), comme tous les courtiers agréés en Suisse.
How do you calculate my entitlement?
Chaque canton publie une échelle en fonction revenu déterminant, de la fortune et de la household composition. Nous appliquons vos données exactes aux barèmes officiels.
Can I claim subsidies for past years?
Dans la majorité des cantons, une demande rétroactive on 12 à 24 mois est possible lorsque le droit existait.
Does my data leave Switzerland?
Non. Hébergement exclusif en Suisse (ISO 27001), conformité LPD révisée (2023). TLS 1.3 en transit, AES-256 au repos.
What if my situation changes during the year?
Mariage, naissance, déménagement intercantonal, perte d'emploi : is nous prévenez, nous actualisons votre dossier auprès de la caisse dans les 72 heures. C'est inclus.
What's the difference with an insurance broker?
Un courtier is propose souvent de changer de caisse en contrepartie de sa commission. Nous faisons l'inverse : nous récupérons d'abord ce à quoi is avez droit, sans toucher à votre contrat actuel.
Your subsidy
is waiting.
Not the other way round.
Fifteen minutes of conversation is all it takes. We handle the rest. no strings.
They already did
300+ households
recovered, together, more than CHF 600 k in dormant subsidies and benefits since January 2026.
