What franchises are available in LAMal in the canton of Thurgau?

In the canton of Thurgau, as in the whole of Switzerland, LAMal offers six levels of exemption: CHF 300, CHF 500, CHF 1000, CHF 1500, CHF 2000 and CHF 2500 per year. A higher deductible allows for a lower monthly base premium. The choice depends on your health needs: if you provide few medical accesses, a high deductible reduces the total annual cost; if you have regular health needs, a low deductible is preferable because it reduces the immediate economic burden at the doctor or hospital.

How do I request a premium reduction in Thurgau?

The premium reduction is a cantonal subsidy that is requested by filling out a specific form at the competent office of the Canton of Thurgau, usually the Department of Health or the Health Subsidies Office. You must attach the previous year's tax return and certificate of residence. It is not automatic: the Canton assesses income, wealth and family composition to determine the amount of the subsidy. The application must be renewed every year within the deadlines communicated by the cantonal administration.

What are the income requirements to get the reduction in Thurgau?

The Canton of Thurgau sets maximum gross and net income thresholds, and equity limits, to access the premium reduction. These thresholds vary according to the number of people in the household (spouse, dependent children). There is no single national figure: each canton defines its own criteria according to the federal law on LAMal. Check the official portal of the Canton of Thurgau or contact the relevant office directly to see if you meet the specific criteria and obtain an estimate of the subsidy.

How long does it take to receive the approval of the reduction application?

The cantonal office usually communicates the outcome of the application within 30-60 days of receipt of the complete application. Times may vary depending on the administration's workload. It is advisable to submit the application with a time limit, in order to avoid interruptions of subsidized coverage if the renewal is not processed before the expiration of the previous year. Keep your delivery receipt to check for delays.

Does the premium reduction apply throughout the year or does it need to be renewed?

The subsidy for the premium reduction is annual: it must be renewed every year by submitting a new application. It's not a permanent decision. Many cantons align the renewal of the subsidy with the annual renewal of the LAMal policy (31 December). It is advisable to submit the renewal application before the expiration of the previous tax year to ensure continuity of subsidized coverage without interruption between one year and the next.

Health insurance premiums Canton Thurgau: reduction (cross-border guide)

Di Redazione Frontaliere Ticino · Published on 3 September 2026

Swiss cantonal health administration office with insurance documents on desk

How to get the LAMal premium reduction in the canton of Thurgau: available deductibles, subsidy requirements and procedures to apply for the cantonal benefit.

Context

In brief

LAMal is mandatory for all Swiss residents within 3 months
Available deductibles: from CHF 300 to CHF 2500 per year
Premium reduction: cantonal subsidy upon annual application
Procedure: contact the competent cantonal administrative office

What: Mandatory health insurance with premium reduction option
When: Enrollment within 3 months; annual subsidy application, renewal recommended before expiration
Where: Canton of Thurgau — cantonal administration
Who: Residents with income and assets within cantonal thresholds
Deductibles: CHF 300, 500, 1000, 1500, 2000, 2500 per year
Reduction: Based on income, assets, family composition

In the Canton of Thurgau, as in the rest of Switzerland, mandatory health insurance (LAMal, known as KVG in German) is a central aspect of the national healthcare system. Every resident is required to take out a policy with a private insurer within three months of arriving in Switzerland. Premiums vary based on several factors: the canton of residence, the region, age, gender, and the chosen coverage model. In addition to the basic premiums, residents have a crucial tool to reduce the economic burden: premium reduction, financed through a cantonal subsidy.

LAMal in the Canton of Thurgau: structure and obligations

LAMal in Switzerland is not a contributory system funded by the employer, but a private policy with per capita premiums, taken out directly between the insured and the insurance company. Each canton, including Thurgau, sets the coverage obligation for its residents, while management remains at the private level. Premiums consist of two elements: the basic premium (monthly or annual) and the deductible. The deductible represents the amount the insured must pay out of pocket before the insurer starts covering medical expenses.

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Operational details

Cantonal subsidies: how premium reduction works

The reduction of premiums is the first tool that the Swiss system makes available to contain the economic burden of LAMal, especially for residents with modest or medium income. This is not an automatic discount by the insurer, but a cantonal subsidy provided by the Canton of Thurgau directly to the eligible resident. The subsidy is not the same for everyone: it depends on gross and net income, assets, the number of dependants and the composition of the household.

Each canton sets its own criteria and maximum subsidy amounts, based on a federal law that guarantees a minimum level of protection. In Thurgau, these criteria are defined by the competent cantonal administration, typically the Department of Health or an office dedicated to health subsidies. The federal system provides that the insured's net premium (gross premium minus subsidy) does not exceed a percentage of the net income of the household, ensuring that no one is excluded from coverage for economic reasons.

Eligibility criteria and subsidy calculation

To obtain the premium reduction in Thurgau, the resident must comply with specific criteria related to:

Income: the gross annual income must fall within a maximum threshold set by the canton, which varies according to the number of people in the household (adults, spouses, children).
Equity: Equity also

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Key points

Step-by-step procedure: how to apply for the premium reduction in Thurgau

To concretely obtain the premium reduction in Thurgau, it is necessary to follow a precise procedure. Although the application can theoretically be submitted at any time of the year, it is advisable to act before the deadline to obtain the subsidy as soon as possible and reduce the economic burden of payments.

Step 1: Gather documentation

Prepare all the necessary documentation before submitting the application: copy of the tax return from the previous year (or extract of taxable income), residence certificate issued by the municipality of residence, copy of the LAMal insurance policy or enrollment document with the insurer, any additional income documents (pay slips, bank statements, employment contracts), asset documentation if required, official application form for the Canton of Thurgau downloadable from the administrative portal.

Step 2: Check preliminary eligibility

Consult the website of the Thurgau cantonal administration for a quick estimate of eligibility. Many Swiss cantons offer an online calculator that allows you to enter income and family composition to obtain an estimate of the subsidy amount you are entitled to. This tool provides a first orientation and helps to evaluate whether to proceed with the formal application.

Step 3: Fill out and submit the application

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Frequently Asked Questions

What franchises are available in LAMal in the canton of Thurgau?: In the canton of Thurgau, as in the whole of Switzerland, LAMal offers six levels of exemption: CHF 300, CHF 500, CHF 1000, CHF 1500, CHF 2000 and CHF 2500 per year. A higher deductible allows for a lower monthly base premium. The choice depends on your health needs: if you provide few medical accesses, a high deductible reduces the total annual cost; if you have regular health needs, a low deductible is preferable because it reduces the immediate economic burden at the doctor or hospital.
How do I request a premium reduction in Thurgau?: The premium reduction is a cantonal subsidy that is requested by filling out a specific form at the competent office of the Canton of Thurgau, usually the Department of Health or the Health Subsidies Office. You must attach the previous year's tax return and certificate of residence. It is not automatic: the Canton assesses income, wealth and family composition to determine the amount of the subsidy. The application must be renewed every year within the deadlines communicated by the cantonal adm
What are the income requirements to get the reduction in Thurgau?: The Canton of Thurgau sets maximum gross and net income thresholds, and equity limits, to access the premium reduction. These thresholds vary according to the number of people in the household (spouse, dependent children). There is no single national figure: each canton defines its own criteria according to the federal law on LAMal. Check the official portal of the Canton of Thurgau or contact the relevant office directly to see if you meet the specific criteria and obtain an estimate of the sub
How long does it take to receive the approval of the reduction application?: The cantonal office usually communicates the outcome of the application within 30-60 days of receipt of the complete application. Times may vary depending on the administration's workload. It is advisable to submit the application with a time limit, in order to avoid interruptions of subsidized coverage if the renewal is not processed before the expiration of the previous year. Keep your delivery receipt to check for delays.
Does the premium reduction apply throughout the year or does it need to be renewed?: The subsidy for the premium reduction is annual: it must be renewed every year by submitting a new application. It's not a permanent decision. Many cantons align the renewal of the subsidy with the annual renewal of the LAMal policy (31 December). It is advisable to submit the renewal application before the expiration of the previous tax year to ensure continuity of subsidized coverage without interruption between one year and the next.