Health Insurance Premiums

Understanding your Swiss health insurance premiums and how they're calculated.

Factors Affecting Premiums

Place of Residence

Premiums vary by canton and region within cantons

Age Category

Different rates for children (0-18), young adults (19-25), and adults (26+)

Insurance Model

Premium varies based on chosen model (standard, family doctor, HMO, etc.)

Insurance Models & Savings

Save Up to 15%

Family Doctor

Choose a designated family doctor as first point of contact

Save Up to 20%

Telmed

Initial consultation through medical hotline

Save Up to 25%

HMO

Healthcare through group practice or health center

Save Up to 15%

Pharmacy

Initial consultation at partner pharmacy

Premium by Age Category

Children

0-18 years

  • Lowest premiums by law
  • No deductible required
  • Family discounts available
  • Special youth coverage options

Young Adults

19-25 years

  • Reduced premiums
  • Special young adult plans
  • Student discounts available
  • Flexible coverage options

Adults

26+ years

  • Standard premium rates
  • Full range of insurance models
  • Choice of deductible levels
  • Comprehensive coverage options

Ways to Reduce Your Premium

  • Choose a higher deductible for lower monthly premiums
  • Select an alternative insurance model (HMO, family doctor, etc.)
  • Check eligibility for premium reduction subsidies
  • Compare different insurance providers annually
  • Consider family discounts if insuring multiple family members

Note: Consider your healthcare needs and financial situation when choosing cost-saving options.

Want to optimize your insurance premium?

Get expert guidance to find the best rate for your needs