Compare your health-insurance premiums

Insurers set new premiums each year, and prices can change differently by insurer, canton and premium region. An annual comparison shows whether your basic insurance still suits your budget.

Yes. Mandatory basic-insurance benefits are defined by the Swiss Health Insurance Act and are the same with every insurer. Premiums, service and available insurance models can still differ.

Not for basic insurance. Any insurer operating in your region must accept you without exclusions, a waiting period or a health questionnaire, regardless of your age or health.

Your cancellation must reach your current insurer by the last working day of November. The FOPH recommends sending it around mid-November by registered mail or A Mail Plus because the date of receipt matters.

A switch on 1 July is possible only in certain cases, notably with the standard model, free choice of doctor and the ordinary deductible. The insurer must receive the cancellation by 31 March.

Compare premiums, apply to the new insurer, then cancel basic insurance with your current insurer within the applicable deadline. Keep proof of dispatch and check the confirmations you receive.

It ends when the new insurer confirms to the former insurer that you are covered without interruption. Until that confirmation is sent, you remain insured by your current insurer.

Yes. Basic and supplementary insurance are separate contracts and may remain with different insurers. Never cancel supplementary cover before receiving written acceptance from the new insurer.

Basic insurance covers benefits required by law and must accept everyone. Supplementary insurance covers additional benefits, and the insurer may request health information or reject an application.

The premium depends on factors including your canton and premium region, age, deductible, insurance model and accident cover. Your income does not directly change the premium charged by the insurer.

The deductible is the annual amount you pay before basic insurance contributes to covered costs. It is calculated per calendar year and is followed by the statutory co-payment.

The ordinary deductible is CHF 300 for adults and CHF 0 for children. Optional deductibles are available up to CHF 2,500 for adults and CHF 600 for children, depending on the insurer’s offer.

No. A high deductible usually lowers the premium but increases what you must be able to pay when you need care. The right choice depends on expected healthcare costs and your financial reserve.

You can change it for the start of a new calendar year. A request to lower it must reach the insurer before the end of November; to raise it, notify the insurer early enough before year-end.

The standard model provides free choice of doctor. HMO, family-doctor and telemedicine models specify a first point of contact in return for an often lower premium; exact rules vary by insurer.

Generally yes if you work at least eight hours a week for the same employer, because its insurance also covers non-occupational accidents. Ask your health insurer to remove the cover and provide the required confirmation.

No. Each household member can choose their own basic insurer, deductible and insurance model. Comparing the household together still helps you see the total cost and decide whether grouping policies is convenient.

Yes. Premiums depend on the canton and sometimes on the premium region within it. Tell your insurer your new address promptly so the correct rate is applied to your new place of residence.

Cantons grant premium reductions to individuals and families who meet their income and personal-situation criteria. Eligibility, the amount and the application process vary by canton.

The Prime Info comparison tool uses official 2026 premiums published by the Federal Office of Public Health. Results depend on the details entered and remain an indicative comparison to check before applying.