Compare health insurance
in Switzerland 2027
Compare official basic health insurance premiums in Switzerland and find out which option may suit you best, using official FOPH data for 2027.
This helps us suggest the deductible that may suit you best.
Basic insurance is compulsory in Switzerland and covers the essential benefits set by law. Supplementary insurance is optional, but it can extend your cover, add comfort and give you access to services not included in basic insurance, depending on the policy you choose.
Whether you’ve just arrived in Switzerland or want to review your current insurance, tell me about your situation and I’ll help you understand which option may suit you best. The consultation is free and with no obligation.
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It lets you look up official basic health insurance premiums in Switzerland based on your postcode, year of birth and how often you see a doctor. With that, you can see which insurers offer the cheapest options and get a sense of which deductible may suit you best.
The premiums are based on official data published by the Federal Office of Public Health (FOPH, or BAG in German) for 2027. They are basic health insurance premiums and give you a reference point for comparing insurers, deductibles and options based on where you live and your profile.
Yes. In Switzerland, basic health insurance cover is set by law, so every insurer must cover the same essential benefits. What usually changes is the premium, the deductible, the insurance model and, in some cases, the customer service or digital tools.
It depends on how often you see a doctor and on your budget. A high deductible usually lowers your monthly premium, but means paying more yourself if you need medical care often. A low deductible tends to suit people who expect to use healthcare more. This tool helps you get a sense of what fits your profile.
Basic insurance is compulsory for everyone living in Switzerland and covers the essential benefits set out in the Health Insurance Act (KVG/LAMal). Supplementary insurance is optional and can extend your cover to things like a private or semi-private hospital room, glasses, dental care, alternative therapies, prevention, gym membership or travel assistance, depending on the policy.
Yes, in many cases you can switch your basic insurance provider as long as you meet the cancellation and enrolment deadlines that apply. Comparing premiums and reviewing your situation each year can help you avoid overpaying and find a better option for you.
In many cases, alternative models such as HMO, family doctor or Telmed (telemedicine) have lower premiums than the standard model. In return, you usually have to follow a set path, such as contacting your GP or a medical hotline first, before seeing certain specialists.