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With our health insurance comparison calculator, you can compare health insurance premiums for the four different insurance models within a few minutes.

About 82'891 Clients used our comparison service in the last 12 months.

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CHF 288.70 CHF 325.20 CHF 309.90 CHF 353.60 CHF 301.90 CHF 388.40 CHF 391.60 CHF 323.10 CHF 234.70 CHF 485.60 CHF 408.40 CHF 377.80 CHF 348.80 CHF 393.80 CHF 313.70 CHF 498.90 CHF 256.10 CHF 397.10 CHF 416.90 CHF 252.00
CHF 336.50 CHF 289.60 CHF 253.00 CHF 322.05 CHF 312.10 CHF 255.00 CHF 498.70 CHF 373.40 CHF 339.70 CHF 349.50 CHF 453.40 CHF 397.50 CHF 471.70 CHF 420.20 CHF 347.30 CHF 470.80 CHF 530.60 CHF 234.00 CHF 434.00 CHF 509.90
CHF 485.40 CHF 386.40 CHF 362.40 CHF 451.70 CHF 383.90 CHF 429.50 CHF 258.40 CHF 355.50 CHF 400.50 CHF 379.70 CHF 396.70 CHF 372.30 CHF 297.50 CHF 251.10 CHF 304.00 CHF 391.90 CHF 415.70 CHF 321.30 CHF 292.00 CHF 597.60

What is the benefit of a health insurance comparison?

The benefits of mandatory basic insurance are defined by the Health Insurance Act (KVG) and are therefore identical for all providers. The situation is different when it comes to premiums: These sometimes differ enormously depending on the health insurance company. With a premium comparison, you can easily and conveniently find out your personal savings potential and obtain a free and non-binding offer.

Simple, fast & convenient

You get a quick and easy overview of the premium differences between the various providers, based on the official premiums of the FOPH. In addition, you can see at a glance how the premium changes depending on the level of the deductible rate.

Everything at a glance

In addition to the standard model, you can select and compare other common insurance models. Furthermore, you have the possibility to compare the premiums of your current health insurance with the premiums of other providers.

Switch & Save Money

By changing your health insurance company, you can save up to CHF 1,000 per year on premiums, with exactly the same benefits.

Comparison calculator

Compare health insurance premiums 2024 quickly and easily now and save up to 1,000.- francs per year with the same benefits!

Frequently Asked Questions (FAQ)

Health insurance premiums are a complex topic. The following answers answer the most burning questions on the subject.

Basic insurance is mandatory for all persons residing in Switzerland. The benefits of basic insurance are defined by the Health Insurance Act (KVG) and are therefore the same for all providers. Since the basic insurance is mandatory, the health insurance companies are obliged to accept every applicant. This applies even if you are chronically ill or already elderly.

In contrast to the basic insurance, the benefits in the supplementary insurances vary from health insurance company to health insurance company. In addition, providers can set premiums according to risk, i.e. graded according to age and gender, and may refuse enrollment without justification.

Insured persons must contribute to the costs of doctors, hospitals and medicines over and above the premium payment. The cost sharing consists of a fixed annual amount, which is called a deductible, and an additional retention of ten percent.

As an insured person, you pay for the costs of medical services yourself until you have reached the selected deductible rate. Within the framework of the ordinary deductible rate, you must pay a maximum of CHF 300 yourself (children and young people are exempt from this). However, the deductible rate can be increased up to 2,500 francs to reduce premiums. For children and adolescents, a deductible rate of up to 600 francs can be agreed.

In addition, the deductible is due. After deduction of the regular deductible, this amounts to ten percent of the costs up to a maximum of 700 Swiss francs, or 350 Swiss francs for those under 18.

In addition to the standard model, most health insurance companies also offer alternative health insurance models. The most common of these are the family doctor model, the Telmed model and the HMO model. With these variants, the insured person is obliged, except in emergencies, to always consult the family doctor, a telephone consultation or an HMO practice first.

The premium for basic insurance can be reduced, in some cases significantly, by choosing an alternative insurance model and a higher deductible. With alternative insurance models such as the HMO, GP, Telmed or other models, you can save up to 25 percent on premiums. The models available to you depend on the health insurance company in question.

Those who choose a higher deductible rate contribute more to the costs in the event of illness and/or accident. On the other hand, they can also save up to 30 percent on premiums. The health insurance companies are free to provide the following additional deductibles in addition to the regular deductible rate:

Children (until 18 years)
  • CHF 100
  • CHF 200
  • CHF 300
  • CHF 400
  • CHF 500
  • CHF 600
Adults (from 19 years)
  • CHF 500
  • CHF 1000
  • CHF 1500
  • CHF 2000
  • CHF 2500

The deductible can be reduced to a maximum of the ordinary deductible or increased to a freely selectable deductible as of 1 January. This applies regardless of treatments already started or planned due to an illness. In particular for the lowering is to be considered according to art. 94 KVV thereby however the period to 30. November after announcement of the new premium as of 1 January. This applies also to the change of the insurance model. Here the legal deadline of 30 November is specified in Art. 100 KVV.

You can terminate your previous health insurance by November 30 with an informal letter. Cancellation during the year is only possible for insured persons with a regular deductible rate in the standard model. These can change their health insurance company as of July 1. For this purpose, a termination by March 31 at the latest is necessary. In any case, the deadline is the date on which the notice of termination is received by the insurer. The postmark alone is not decisive.

The official data from the Federal Office of Public Health (FOPH) is used for the calculation in the comparison calculator. The FOPH publishes this data on its website. The calculation is identical to the independent comparison calculator "priminfo" from the FOPH.

No. We are an independent comparison service that does not receive any commission from insurance companies in order to give their premiums a higher weighting.

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