Premium calculator: the cheapest Swiss health insurers for your postal code
Same cover, different price
The same basic cover at every insurer, price is the difference
Basic insurance (KVG/LAMal) benefits are identical by law.
Source: official premiums 2027 approved by the Federal Office of Public Health (dataset "Krankenversicherungsprämien", opendata.swiss) and the official premium regions. Cheapest tariff per insurer and model. No guarantee; the insurers' policies prevail.
+ {n} more offers in your region {name} costs you from {price}/mo — potential saving up to {save} per year. {name} is already among the cheapest insurers in your region — deductible and model are still worth a look.From result to switch in four steps
The calculator shows what is possible. These steps turn it into a lower premium from 1 January 2027.
- Note the cheapest insurers
Put the three cheapest offers next to what you pay today. Pick your current insurer in the result and you see the possible saving per year.
- Check deductible and model
A higher deductible and a family doctor, HMO or Telmed model lower the premium further. Tap a model in the result to compare prices side by side.
- Sort out supplementary cover
Basic and supplementary insurance can be with different insurers. Never cancel supplementary cover before the new policy is confirmed in writing.
- Cancel by 30 November
Your notice for basic insurance has to reach your insurer by 30 November, ideally by registered post. The new insurer then covers you from 1 January.
Deadline reminder
Don't miss the 30 November deadline
The 2027 premiums are out. We remind you in good time before 30 November and tell you whether switching pays off for you.
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Ready to move? How to switch health insurer, step by step →
Rather go through it together?We compare every insurer for your postcode, check deductible and model with you and handle the switch if you want. Free of charge, in English.→ Premium calculator — FAQ
Where do the premiums come from?
Directly from the official 2027 premium data approved by the Federal Office of Public Health (FOPH dataset "Krankenversicherungsprämien" on opendata.swiss) and the official postcode → premium region mapping. These are exactly the premiums you would pay directly at each insurer — broker commissions do not change your premium.
Why is the cheapest insurer not automatically the best?
Basic insurance (KVG/LAMal) benefits are identical by law — differences are in service, billing, English-language support, apps, and how readily claims are approved. And if you later want supplementary cover, it can pay to optimise basic and supplementary separately. That is exactly what we check in the free consultation.
What does "with/without accident cover" mean?
If you are employed at least 8 hours per week, your employer already insures you against accidents (UVG) and you can exclude accident cover from your health insurance — saving a few percent. Self-employed and non-working people need it included.
Which deductible should I choose?
Rule of thumb: healthy and rarely at the doctor → CHF 2,500; regular treatment → CHF 300. Depending on the insurer, the break-even is around CHF 1,900 to 2,000 of yearly costs. Our franchise calculator works out your exact tipping point.
Until when can I switch with these premiums?
These are 2027 premiums (published by the Federal Office of Public Health on 29 September 2026). To switch from 1 January 2027, your cancellation must reach your current insurer by 30 November 2026.
Want to go through your result with us?
Robert Kolar (25 years in health insurance) and Nicole Bohne (10 years in pensions and relocation), independent and FINMA-registered. 45 minutes by video, free and without obligation.
