Premium calculator · 2026

Every insurer's premium — and what it did for the past decade.

Q: What is the deadline to switch basic health insurance?

30 November each year (Art. 7 KVG). The cancellation must arrive at the current insurer in writing — not be postmarked — by that date. Register with the new insurer in parallel: the old cover ends only once the new insurer confirms your new coverage (Art. 7 Abs. 5 KVG), so no gap can occur. Supplementary insurance is different — never cancel it before a new insurer has accepted you in writing.

The officially approved basic premiums for your postcode, age and deductible: every insurer ranked, the change since 2025, and the history behind each one since 2016. In English, no sign-up.

2027 premiums: the Federal Office of Public Health publishes them in late September. This page switches to 2027 the day they are out — and then shows your own 2026 → 2027 change.

Median insurer · 2026

478.70CHF a month

Pick your insurer to see your own premium and its change since 2025.

Cheapest for this profile

448.30CHF a month

Sumiswalder

Cheapest vs most expensive

1'301CHF a year

for identical basic cover — benefits are the same by law

Every insurer, ranked · 2026

monthly premium · change since 2025

1 SumiswalderGrundversicherung 448.30 +8.1%
2 SLKKGrundversicherung 448.30 +8.9%
3 Luzerner HinterlandGrundversicherung 453.40 +4.0%
4 SanitasGrundversicherung 457.30 +5.7%
5 SympanyGrundversicherung 458.30 +6.5%
6 ÖKKGrundversicherung 462.00 +3.5%
7 WädenswilGrundversicherung 466.20 +4.5%
8 AssuraGrundversicherung 466.40 +3.0%
9 EGKGrundversicherung 467.00 +3.4%
10 AtupriGrundversicherung 470.60 +4.4%
11 Avenir (Groupe Mutuel)Grundversicherung 472.00 +5.1%
12 rhenusanaGrundversicherung 473.20 +1.3%
13 Mutuel (Groupe Mutuel)Grundversicherung 476.00 +4.5%
14 HelsanaGrundversicherung 478.70 +10.0%
15 ConcordiaGrundversicherung 480.00 +7.6%
16 KPTGrundversicherung 483.00 +4.4%
17 AgrisanoGrundversicherung 485.90 +7.6%
18 CSSGrundversicherung 486.10 +4.4%
19 SWICAGrundversicherung 488.30 +6.8%
20 AquilanaGrundversicherung 492.10 +4.4%
21 SteffisburgGrundversicherung 516.70 +17.2%
22 sana24Grundversicherung 519.50 +4.7%
23 Einsiedler KrankenkasseGrundversicherung 521.30 +6.2%
24 Philos (Groupe Mutuel)Grundversicherung 526.50 +7.2%
25 vita surselvaGrundversicherung 537.00 +7.4%
26 VisanaGrundversicherung 542.10 +4.6%
27 GalenosGrundversicherung 556.70 −0.4%

Zürich city (premium region 1), adult 26+, CHF 2’500 deductible, standard model, accident excluded. Each insurer's cheapest approved tariff for this profile.

The decade behind the price

your insurer market median cheapest that year

History at the CHF 2’500 deductible, so every year compares like with like.

Where the calculator stops

The price is the easy part. Four things it cannot see.

Your supplementary contract

Basic cover moves freely — every insurer must accept you. Supplementary doesn't: a new insurer can ask health questions and say no. Cancel it first and it may be gone for good.

Whether the model fits your life

The cheapest rows are often HMO or telmed. They work well — until you see a specialist without the referral and the claim comes back refused.

Your deductible break-even

CHF 2’500 saves premium. With regular treatment it can cost you more than it saves. The break-even is arithmetic, and it depends on your year, not an average one.

Coverage that pays vs coverage that fights

Premiums are public; claim behaviour isn't. Two insurers at the same price can treat the same invoice very differently. That part we see every week.

What the review gives you

Bring your premium letter. Leave with it in writing.

In 45 minutes we read your 2027 premium letter against your supplementary contract, your model and your deductible — then send your free personal report within 3 working days. Sometimes it says keep what you have.

01Your situation: Canton, family, work, the cover you hold today.
02How we decided: The reasoning in writing — why each option won or lost.
03Side by side: The real alternatives, including the one we advised against.
04Cost at a glance: What every person pays, to the franc.
05Recommendation: What to do, in order — and what not to buy.

Book your first Swiss insurance review

Free · 45 minutes · In English · With Robert

A real sample report — the Hartmann family.
Open it full-screen · What's inside

Method and source

Every figure is an officially approved list premium from the Federal Office of Public Health's open dataset "Krankenversicherungsprämien", tariff years 2016–2026. For each insurer we show its cheapest approved tariff for the model you pick, in your premium region, age group and deductible. Postcodes map to premium regions with the official BAG table.

Not included: cantonal premium subsidies, discounts from the second child, and cross-border (EU) tariffs. The decade chart uses the lowest or highest deductible — whichever is closer to yours — so years compare like with like. The long view, canton by canton, is in the Expat Health Insurance Index; switching itself is explained in the switching guide.

Premium questions

What people ask about premiums.

When are the 2027 Swiss health insurance premiums published?

The Federal Office of Public Health (BAG) publishes the approved premiums for the coming year in late September, and insurers send the individual premium letters in October. This calculator switches to the 2027 tariffs the day the BAG publishes them, and then shows your own 2026 → 2027 change.

Is basic health insurance the same at every insurer?

Yes. Basic insurance (KVG/LAMal) benefits are fixed by federal law (Art. 25 KVG) and identical at every insurer. Every insurer must also accept you (Art. 4 KVG). The only differences are the premium, the insurance model and the service — which is why the ranking above is purely a price ranking.

What is the deadline to switch basic health insurance?

30 November each year (Art. 7 KVG). The cancellation must arrive at the current insurer in writing — not be postmarked — by that date. Register with the new insurer in parallel: the old cover ends only once the new insurer confirms your new coverage (Art. 7 Abs. 5 KVG), so no gap can occur. Supplementary insurance is different — never cancel it before a new insurer has accepted you in writing.

Why does the calculator show accident cover excluded by default?

If you work at least 8 hours a week for one employer, accidents are already covered through your employer under the accident insurance law (UVG), and you can exclude accident cover from your health insurance to save premium. Self-employed people, students, retirees and anyone working fewer hours should include it.

Why can my premium differ from the calculator?

The calculator shows the approved list premium of each insurer's cheapest tariff for your model, premium region, age group and deductible. Your letter can differ because of your exact tariff (insurers run several per model), discounts from the second child, cantonal premium subsidies, or because you hold an older tariff that is no longer the insurer's cheapest.

Where does the premium data come from?

From the Federal Office of Public Health's open dataset "Krankenversicherungsprämien" on opendata.swiss — every officially approved basic-insurance premium, 2016–2026. Postcodes are mapped to premium regions with the official BAG table. Nothing is estimated and nothing is taken from insurer websites.