Despite the high premium burden, 31% of customers whose health insurance premiums had increased and 42% of those whose property insurance premiums had increased did not take any further action. 21% of health insurance customers and 18% of property insurance customers stated that they had thought about changing their insurance. Only 8% of health insurance customers and 3% of property insurance customers chose a different insurance policy, and 5% and 4% respectively switched providers.

There is increasing demand for online channels when it comes to customer interaction. However, it is unclear whether customers are making more use of existing online channels or whether insurers are providing a broader range of services. The data from 2024 confirms the trend seen in recent years: People in Switzerland increasingly favour online channels when searching for information about insurance, calculating quotes and processing claims. Since the launch of annual customer journey tracking by the Swiss Insurance Monitor (2022), searches for information and calculations of quotes in particular have seen a steady shift towards online channels. This trend towards online channels is increasing, particularly among younger age groups and the urban population.

In the past 12 months, 41% of people have enquired about new or alternative insurance policies. Insurance providers' websites and independent comparison sites dominate the search for information, but personal dialogue with customer advisors or friends also plays an important role. Novel solutions, such as AI applications, are also being used for the first time to search for information and are on a par with social media (3% each).

Having said this, when it comes to contract-related insurance transactions, such as concluding or cancelling a contract, offline channels are still preferred. However, the use of online channels has also increased slightly when it comes to changed or newly concluded contracts, while a trend towards offline channels can be seen for cancellations. Overall, customer advisors are the preferred contact people for taking out insurance policies, even though this has seen a slight decline.

Among those surveyed who are in contact with customer advisors (55% of the population), the relationship with the advisors is perceived as being "personal". Respondents also predominantly rated the advisors as "knowledgeable", a result that is consistent in a year-on-year comparison. In addition, advisors increasingly have the opportunity to incorporate new technologies into their interactions: two thirds of people with customer advisors rate this as being positive.

New applications using artificial intelligence (AI) are in vogue, and 56% of the population living in Switzerland has already used these types of applications – 45% in their personal lives and 30% in a professional context. Despite this prevalence, AI applications tend to be viewed negatively, with people living in rural areas viewing them more negatively than the urban population and older people more negatively than younger population groups.

Despite having a slightly negative view of AI applications, the population feels that these can make it easier to search for information, calculate quotes or report claims. In particular, customer groups that have a positive attitude towards AI applications expect improvements in the form of time savings and more precise search results. Compared to the previous year, it is evident that customers are much more open to AI applications. What counts in this context is transparency: 80% state that it is important for them to be informed by companies that AI is being used.