Compare Health Insurance Providers in Switzerland
Find the best health insurance coverage for your needs. Compare providers, understand premium regions, and make an informed choice.
Compare Top Providers
| Provider | Basic Premium* | Rating | Key Features | Action |
|---|---|---|---|---|
| Assura | From CHF 280 | |
| Learn More → |
| CSS | From CHF 310 | |
| Learn More → |
| Groupe Mutuel | From CHF 290 | |
| Learn More → |
| Helsana | From CHF 320 | |
| Learn More → |
| Swica | From CHF 300 | |
| Learn More → |
| Sanitas | From CHF 295 | |
| Learn More → |
* Basic premiums shown are starting prices for Region 3 with standard 300 CHF deductible. Actual premiums vary by region, age, and chosen model.
Understanding Premium Regions
Health insurance premiums in Switzerland vary by region based on healthcare costs. Each canton is divided into up to three premium regions:
Region 1
Major cities and metropolitan areas
Region 2
Mid-sized cities and suburban areas
Region 3
Rural areas and smaller towns
Note: Not all cantons use all three regions. Some may only use one or two regions depending on their healthcare cost structure.
Insurance Models
Standard Model
Free choice of doctors throughout Switzerland
Best For:
- Maximum flexibility
- Direct specialist access
- No restrictions
Family Doctor
Choose a designated family doctor as first point of contact
Best For:
- Coordinated care
- Lower premiums
- Personal relationship
HMO
Use specific health centers as first point of contact
Best For:
- Significant savings
- Integrated care
- Urban areas
Telmed
Call medical hotline before visiting doctor
Best For:
- Convenience
- Lower premiums
- Simple conditions
Deductible Options
Your deductible (franchise) is the amount you pay for medical expenses before insurance coverage begins. Higher deductibles mean lower monthly premiums.
Adults
| Deductible (CHF) | Premium Savings |
|---|---|
| 300 | 0% |
| 500 | 8% |
| 1000 | 12% |
| 1500 | 16% |
| 2000 | 20% |
| 2500 | 25% |
Children
| Deductible (CHF) | Premium Savings |
|---|---|
| 0 | 0% |
| 100 | 5% |
| 200 | 8% |
| 300 | 10% |
| 400 | 12% |
| 500 | 15% |
| 600 | 18% |
Frequently Asked Questions
- How do I compare health insurance providers?
- Compare providers based on premiums, service quality, digital tools, and additional benefits. Consider factors like location (premium regions), preferred insurance model, and deductible options. Our comparison tool helps you evaluate these factors easily.
- When can I switch insurance providers?
- You can switch basic insurance providers by November 30th for coverage starting January 1st. If your insurer announces premium increases, you may have special termination rights within 30 days of notification.
- What's the difference between premium regions?
- Switzerland has three premium regions based on healthcare costs. Region 1 (urban centers) has the highest premiums, Region 2 (suburban areas) has moderate premiums, and Region 3 (rural areas) typically has lower premiums.
- How much can I save by choosing a different model?
- Alternative insurance models can offer significant savings: HMO models up to 20%, Family Doctor models up to 15%, and Telmed models up to 15%. The exact savings depend on your provider and location.
- Are all basic insurance benefits the same?
- Yes, basic insurance benefits are standardized by law across all providers. What differs are service quality, premium costs, and available insurance models. Supplementary insurance benefits can vary between providers.
Need help choosing the right insurance?
Get expert guidance to find the perfect coverage for your needs