Expat Savvy · Annual index · 2026 edition
Swiss Hospital Insurance Cost Index 2026 — semi-private and private premiums compared
Swiss Hospital Insurance Cost Index 2026.
Semi-private and private supplementary hospital cover (VVG) across six cantons, eight insurers, five ages and both sexes.
17 pages · free to cite · no email required
2,304 observations · every premium quoted live from the insurers' own public calculators on 10 August 2026 · no estimates, no interpolation
What this index measures
A like-for-like price for the room you'd actually get.
Supplementary hospital insurance is the voluntary VVG cover that buys a two-bed or a single room, and free choice of doctor. Every figure here is a real quote pulled from an insurer's own calculator under identical assumptions — not a modelled or published list price.
premiums quoted, one calculator at a time
Genève over Bern, same person, same cover
private cover at 65 vs at 26
insurers still selling to a new applicant at 80
Geography moves the price more than anything else
For a 38-year-old, semi-private cover in Genève costs 1.45× what the same cover costs in Bern — index 122 against 84. Nothing about the policyholder changes across that range: same age, same sex, same product, same insurer. Only the postcode.
Price roughly triples between 26 and 65 — then the market closes
Average private cover runs CHF 142 a month at 26 and CHF 430 at 65. But the more consequential finding is availability: of the eight insurers measured, only Helsana will still sell to a new applicant at 80. KPT stops at 50 — by some distance the earliest door to close.
The cheapest insurer is not the same insurer everywhere
Rankings reshuffle by canton and by age, because each carrier draws its premium regions differently. Helsana treats Zug and Bern as one region; Aquilana ignores geography entirely and charges one national rate.
Sex still costs money at most insurers — but not all
Women pay more for private cover at most carriers, though the gap is not universal. SWICA charges men and women within a few per cent of each other; Aquilana and Concordia are explicitly gender-neutral. At KPT a woman pays 43% more.
Why we publish this
We read these contracts for clients every week. The premium tables are public, but nobody assembles them under identical assumptions — so the price of a postcode, or of turning 53, stays invisible until it lands on a policy. This index is that assembly, published once a year and free to cite.
Where you live
The cantonal cost index.
Six-canton average = 100 for each tier and age. Above 100 means the canton is more expensive than the reference basket for that exact profile.
Cantonal index at age 38
Each tier is indexed to its own six-canton average, so the two charts say where a canton sits within that tier's market — not what the tier costs. In francs, private is always the dearer cover; the average premiums are in the tables below.
Reference postcodes
All 26 cantons shown; the six measured are shaded by their index. Premiums are set by premium region, not cantonal border — each dot is the one urban postcode actually priced, not an average of the canton.
Semi-private cover
| Canton | PLZ | Age 26 | Age 38 | Age 53 | Age 65 | Age 80 | Avg CHF/mth (38) |
|---|---|---|---|---|---|---|---|
| Zürich | 8001 | 102 | 101 | 101 | 101 | 103 | 106 |
| Zug | 6300 | 84 | 84 | 88 | 88 | 73 | 87 |
| Genève | 1201 | 122 | 122 | 121 | 121 | 148 | 128 |
| Vaud | 1003 | 112 | 112 | 110 | 110 | 114 | 118 |
| Basel-Stadt | 4051 | 96 | 96 | 96 | 96 | 90 | 100 |
| Bern | 3011 | 84 | 84 | 84 | 84 | 73 | 87 |
Index basket by age — 26: 8 insurers · 38: 8 · 53: 7 · 65: 7 · 80: 1. Age 80 rests on Helsana alone, the only carrier still accepting new applicants, so that column reflects one insurer's regional grid rather than a market.
Private cover
| Canton | PLZ | Age 26 | Age 38 | Age 53 | Age 65 | Age 80 | Avg CHF/mth (38) |
|---|---|---|---|---|---|---|---|
| Zürich | 8001 | 107 | 107 | 108 | 108 | 120 | 183 |
| Zug | 6300 | 89 | 89 | 88 | 88 | 73 | 153 |
| Genève | 1201 | 112 | 112 | 113 | 113 | 142 | 191 |
| Vaud | 1003 | 103 | 103 | 103 | 103 | 90 | 178 |
| Basel-Stadt | 4051 | 102 | 102 | 102 | 102 | 101 | 175 |
| Bern | 3011 | 87 | 87 | 86 | 86 | 73 | 151 |
Values above 100 mean the canton is more expensive than the six-canton reference basket for that exact profile. The rightmost column is the observed average monthly premium at age 38, in CHF, across both sexes and all insurers with complete cantonal coverage.
When you buy
Price by age, and what each tier actually buys.
Average monthly premium across all six cantons and both sexes. Lines stop where the insurers stop accepting new applicants — the flat part of the curve is the part nobody can buy into.
The five tiers
| Tier | What it buys | Cheapest | Average | Dearest |
|---|---|---|---|---|
| General ward | Free choice of hospital in your canton | 1 | 7 | 19 |
| Flex / hybrid | Semi-private benefits, opt-in per stay | 14 | 66 | 232 |
| Semi-private | Two-bed room, free choice of doctor | 38 | 158 | 607 |
| Private | Single room, free choice of doctor | 61 | 261 | 905 |
| Private worldwide | Single room, cover outside Switzerland | 76 | 299 | 837 |
CHF per month across every canton, age and sex measured. Flex tiers are hybrids: semi-private benefits you opt into per stay, at a co-payment. Private worldwide extends single-room cover outside Switzerland and is offered by five of the eight carriers.
The same canton, three times the price
Cheapest against dearest.
Within a single canton, for one age and one tier, the market spans a factor of three. The cheapest quote for a 38-year-old man in Bern is CHF 43.10; the dearest for the same profile in Genève is CHF 142.30 — a gap of CHF 1,190 a year for a comparable two-bed room and the same free choice of doctor.
What the spread is not
A three-fold price range is not three-fold value. It reflects the insurer's regional grid, its underwriting appetite, and its hospital list — none of which appear on a premium comparison. The cheapest quote in a canton is sometimes the right one and sometimes the narrowest cover; the table says which is cheap, not which is right.
Who charges what
The insurer league table.
Average monthly premium across all six cantons and both sexes, by age. The cheapest insurer in each column is set in red — note how the name changes as the ages advance.
Pick the age closest to yours — the column follows in both tables.
Semi-private cover
| Insurer | Age 26 | Age 38 | Age 53 | Age 65 | Age 80 |
|---|---|---|---|---|---|
| Aquilana | 75 | 75 | 140 | 187 | — |
| CSS | 77 | 107 | 136 | 203 | — |
| Concordia | 68 | 77 | 167 | 260 | — |
| Helsana | 81 | 84 | 135 | 221 | 394 |
| KPT | 79 | 128 | — | — | — |
| SWICA | 91 | 104 | 216 | 284 | — |
| Sympany | 103 | 131 | 179 | 305 | — |
| Visana | 129 | 129 | 177 | 362 | — |
Private cover
| Insurer | Age 26 | Age 38 | Age 53 | Age 65 | Age 80 |
|---|---|---|---|---|---|
| Aquilana | 142 | 142 | 220 | 296 | — |
| CSS | 154 | 213 | 268 | 393 | — |
| Concordia | 117 | 146 | 304 | 466 | — |
| Helsana | 126 | 130 | 209 | 343 | 611 |
| KPT | 101 | 168 | — | — | — |
| SWICA | 134 | 152 | 317 | 417 | — |
| Sympany | 166 | 212 | 294 | 494 | — |
| Visana | 199 | 210 | 341 | 603 | — |
Dashes mean the insurer does not sell that cover to a new applicant of that age. CSS figures are the myFlex Balance and Premium variants, which are co-payment tiers rather than true semi-private and private products. KPT quotes are net of an online discount that cannot be switched off. Cheapest-in-column is an observation about list price, not a recommendation.
Who pays more
The gender gap.
Female private-cover premium relative to male, averaged over all cantons and ages. Equal means the carrier charges both the same.
Why the gap exists at all
Supplementary cover sits under contract law, not the social-insurance act, so carriers may price on sex where basic insurance may not. Two of the eight have dropped the distinction entirely; at the other end, one charges a woman 43% more for the same single room. It is worth knowing which list you are being quoted from before you compare two offers.
When we say no
Who will still insure you.
The most consequential finding in this index is not price but access. Supplementary hospital cover is voluntary, and insurers may decline any applicant without giving reasons. Most stop selling it long before retirement.
| Insurer | Max entry age | 26 | 38 | 53 | 65 | 80 |
|---|---|---|---|---|---|---|
| Aquilana | 65 | yes | yes | yes | yes | no |
| CSS | 70 | yes | yes | yes | yes | no |
| Concordia | 65 | yes | yes | yes | yes | no |
| Helsana | none found | yes | yes | yes | yes | yes |
| KPT | 50 | yes | yes | no | no | no |
| SWICA | 69 | yes | yes | yes | yes | no |
| Sympany | 69 | yes | yes | yes | yes | no |
| Visana | 69 | yes | yes | yes | yes | no |
Maximum entry ages were pinned by stepping the applicant's birth year one year at a time until the product disappeared. Only one insurer in this set quoted semi-private and private cover to an 80-year-old. Note also that most calculators fail silently: the product simply vanishes from the page with no explanation, so a refusal is easy to mistake for a technical error.
"People think supplementary cover is something you arrange when you need it. The tables say the opposite. The cheapest hour you will ever spend on this is the hour you spend on it while you are healthy and under fifty.
Robert Kolar · Health insurance specialist, Expat Savvy
Beyond price
The same tier name pays very differently abroad.
A premium table treats every "semi-private" as the same product. The contracts say otherwise. We read each insurer's supplementary conditions for what the hospital tiers actually pay outside Switzerland — and the answers range from full worldwide cover to nothing at all, under identical tier names.
| Insurer | Semi-private abroad | Private abroad | Planned treatment abroad | The worldwide tier |
|---|---|---|---|---|
| Aquilana | Emergencies only — two-bed level, no fixed cap, while return isn't reasonable | Emergencies only — private tariff, worldwide | Not covered on any tier | No worldwide tier |
| CSS † | Emergencies unlimited, worldwide (all myFlex variants) | Emergencies unlimited, worldwide | Premium variant only — up to CHF 500,000/yr; without prior approval nothing is paid | myFlex Premium (planned cover worldwide) |
| Concordia | Nothing — no benefits abroad, emergencies included | Full cover, no stated cap | PRIVAT only — approval must be in place 7 days before admission | PRIVAT is worldwide by design |
| Helsana | Documented costs to CHF 1,500/day, while return isn't reasonable | Documented costs, no cap | Both tiers — with prior approval, if costs are justified vs. treatment in Switzerland | HOSPITAL Privat carries no geographic cap |
| KPT | Full in Europe incl. Mediterranean rim; CHF 50,000/yr in the rest of the world | Full worldwide — except USA/Canada, capped at CHF 100,000/yr | Only if equivalent treatment is unavailable in Switzerland, with prior approval; no repatriation cover on any tier | Privat Welt — full cover incl. USA/Canada, private ward worldwide |
| SWICA | CHF 100/day room + CHF 10,000/yr treatment | CHF 150/day room + CHF 30,000/yr treatment | Same capped amounts — the contract makes no emergency/planned distinction | Privat Weltweit (BestMed) — full cover, private ward worldwide |
| Sympany | Emergencies at full cost in your ward, up to one year | Emergencies at full cost in your ward, up to one year | hospita global only; other tiers get list-dependent partial cover at best | hospita global — private ward worldwide, incl. planned stays |
| Visana | 70% of the uncovered difference in Europe; 50% elsewhere | Privat Europa: 100% in Europe, 75% elsewhere | Only at listed foreign hospitals — currently ~11 clinics, all in southern Germany | Privat Welt — 100% worldwide, plus the 8-week Vacanza travel layer |
Emergency columns show what the supplementary tier adds on top of mandatory basic insurance for an unplanned hospital stay during a temporary trip abroad. † CSS has no separate semi-private/private products — one myFlex product with co-payment variants; the abroad rules shown apply across variants, planned cover to Premium only. These are our summaries of the binding German conditions, read August 2026 — editions change, and we verify the current wording before any recommendation.
One semi-private pays nothing abroad
Concordia's HALBPRIVAT and ALLGEMEIN exclude foreign treatment entirely — emergencies included. A Concordia semi-private client abroad stands on basic insurance alone. No premium table shows this.
"Private" does not mean worldwide
SWICA's standard Privat contributes CHF 150 a day abroad; KPT's Privat caps the USA and Canada at CHF 100,000 a year. The dedicated worldwide tiers exist precisely because the standard private tiers stop at amounts a single week in an American hospital can exhaust.
Planned treatment abroad is nowhere a simple yes
Every insurer that covers it gates it: prior approval at CSS, Helsana and Concordia; a medical-necessity test at KPT; a fixed clinic list at Visana. Miss the approval and several contracts pay exactly nothing — the deadline sits before admission, not after.
Read in the insurers' own conditions, 10 August 2026: Aquilana AVB 2024 Art. A5, B7, B11 · CSS ZB Spitalversicherung myFlex Ziff. 2.1–2.3, 4.5 · Concordia ZVB Spitalversicherung 2022 Art. 17, 19.9 (LIBERO: Art. 20) · Helsana ZVB HOSPITAL Halbprivat/Privat 2018 Ziff. 8 (ECO Art. 7, FLEX Art. 5) · KPT BB Spitalkostenversicherung H Art. 9–12 + Leistungsübersicht 2026 · SWICA ZB Hospita 2026 Art. 3, 7, 9 · Sympany BB hospita 2022 Art. 1.7, 2.4 · Visana ZB Spital 2022 Ziff. 1.1, 3.5. Summaries, not contract text — only the German originals are binding.
The clause that decides the next thirty years
The SWICA tariff rewards starting early.
Thirteen of the fifteen Swiss carriers price hospital cover on attained age: the premium steps up every five-year band, for life. SWICA runs the exception — and for anyone who intends to keep hospital cover into the decades where it matters, it deserves a precise reading rather than a marketing one.
How it actually works
Under ZB Hospita 2026 Art. 21, a SWICA policyholder starts on the attained-age tariff, may switch to the entry-age tariff at any point up to the completed 50th year — and is transferred automatically at 50, with credit for the time already insured (unter Anrechnung der bisherigen Versicherungszeit). From then on, the age band is kept for the whole contract term (AVB Art. 17).
Why tenure is the whole point
The frozen band does not reflect your age at 50 — it reflects how long you have been with SWICA. Someone who joined at 30 and is transferred at 50 is rated far below someone who joins at 48. On the uncapped attained-age ladders in this index, premiums past 75 run three to ten times the age-26 price; the entry-age freeze is what takes that slope out of your retirement.
If you leave Switzerland
For internationals, the second half matters as much as the first: SWICA policyholders who leave Switzerland can move into its international health cover at the same level of cover, without a new health check. Most Swiss supplementary policies simply end when you deregister. For clients who do not yet know whether Switzerland is permanent, this continuity is often the deciding argument — and almost nobody mentions it.
What it is not
The freeze fixes the age rating factor, not the tariff level — the whole book can still be repriced with FINMA approval. And the election has a hard deadline attached to a birthday: waive the automatic transfer in writing before 50 and you forfeit the credit for the years already insured. It is the one item on a hospital-cover review that cannot be postponed to next year.
What it means for this index
At the point of purchase SWICA is priced like everyone else, so the figures in this report are directly comparable. The divergence begins at 50 and compounds for the rest of the policyholder's life — which is exactly where a price table stops being useful and a contract read starts. Every column in this report is a new applicant at that age, not an existing policyholder ageing into it; the two are different numbers, and the difference grows with age.
How we decide
How we read the contracts.
A price index answers one question — what does this cost. It cannot answer the question that matters more: what happens when you claim. That part is not in any calculator, so we read it.
The hospital list, not the tier name
Two policies both called "semi-private" can point at different hospital lists. We check which clinics are actually included in your canton, and whether the list can be changed by the insurer after you sign.
What the flex tiers really cost
Flex products advertise a low monthly premium and settle up at the point of admission. We model the co-payment against the premium saved, and tell you at what number of nights the maths turns against you.
The age curve, twenty years out
A premium that is attractive at 32 can triple by 55 on the same contract. We model the whole curve — and, at SWICA, the entry-age election that has to be made before 50.
Which insurers pay, and which argue
Every brochure reads generously. We have filed claims with all of these carriers, and we tell you which turn a straightforward case into a case-manager dispute.
Underwriting before you apply
Every figure in this index is a list price before health underwriting. We review your history first, so an application is made where it will be accepted rather than declined and recorded.
Whether you need it at all
Sometimes the recommendation is general ward plus a targeted add-on, and the honest answer is to keep the CHF 200 a month. That is a real outcome of a review, and a common one.
Methodology
How the index was built.
- What is priced
- Supplementary hospital insurance under the Swiss Insurance Contract Act (VVG/LCA). Compulsory basic insurance (KVG/LAMal) is excluded entirely — these are the voluntary add-ons only.
- Held constant
- Hospital deductible CHF 0 (or the lowest offered, noted per insurer). Accident cover included. Contract term one year, no multi-year discount. No collective or company contract. No loyalty or no-claims bonus programme. New customer, pre-underwriting.
- Geography
- One urban reference postcode per canton, always the cantonal capital: Zürich 8001, Zug 6300, Genève 1201, Lausanne 1003, Basel 4051, Bern 3011.
- Profiles
- Female and male, ages 26, 38, 53, 65 and 80 (birth dates 01.01.2000, 01.01.1988, 01.01.1973, 01.01.1961, 01.01.1946).
- Index construction
- For each insurer, tier, sex and age, the six cantonal premiums are averaged and that average set to 100. Each canton is expressed against it, then those profile-level indices are averaged per canton. No single insurer or profile dominates. Only insurers with complete six-canton coverage at a given age enter that age's index.
- Provenance
- Every premium was read from the insurer's own public calculator on 10 August 2026. Nothing is estimated, interpolated or taken from a comparison portal. Where an insurer refuses an applicant, the cell is recorded as declined rather than filled.
Before you cite it
Known limitations.
An index is only as good as its declared boundaries. These are ours.
- Postcode, not canton. Premiums are set by premium region, not cantonal border. One urban postcode cannot represent a whole canton; rural rates in the same canton differ.
- Tariff year. All figures are 2026 tariffs. Several insurers had not loaded 2027 supplementary rates at the time of collection, so this edition carries no year-on-year comparison — the 2027 edition will be the first with a like-for-like change series.
- CSS is not directly comparable. CSS has no separate semi-private and private products — one myFlex product with co-payment variants. Economy, Balance and Premium are mapped to flex, semi-private and private as the nearest analogues.
- KPT coverage stops early. KPT returns no semi-private or private premium above age 50, so it is absent from the 53, 65 and 80 panels. Its quotes are also net of an online discount that cannot be switched off.
- Benefits differ. Premiums are comparable in level, not in coverage detail. Hospital lists, foreign cover and free-choice-of-doctor rules vary between carriers — the abroad clauses are compared tier by tier in the section above.
- Underwriting. Every figure is a list price before health underwriting. A real applicant may be loaded, excluded or declined.
Cite as: Swiss Hospital Insurance Cost Index 2026, Expat Savvy, August 2026. Expat Savvy is an independent, FINMA-registered insurance advisor (F01067278), Talacker 41, 8001 Zürich. This document is a price comparison, not financial advice, and does not constitute a recommendation to buy or cancel any policy.
Appendix A
Full premium detail — semi-private.
Monthly premium in CHF. F = female, M = male. A blank cell means the insurer declines a new applicant of that age.
Age 26
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 |
| CSS | 99.4 | 76.4 | 71 | 54.6 | 99.4 | 76.4 | 99.4 | 76.4 | 85.2 | 65.5 | 71 | 54.6 |
| Concordia | 68.9 | 68.9 | 64 | 64 | 78.7 | 78.7 | 68.9 | 68.9 | 64 | 64 | 64 | 64 |
| Helsana | 110.75 | 55.35 | 78.40 | 39.20 | 159.75 | 79.85 | 123.50 | 61.75 | 97.00 | 48.50 | 78.40 | 39.20 |
| KPT | 102 | 64.7 | 59.7 | 38 | 123.3 | 77 | 118.9 | 74.1 | 97.1 | 61.7 | 80.7 | 51.5 |
| SWICA | 90.50 | 76.90 | 84.00 | 71.40 | 139.00 | 118.10 | 111.80 | 95.00 | 100.10 | 85.00 | 67.30 | 57.20 |
| Sympany | 143.8 | 62.5 | 118 | 51.3 | 175.5 | 76.3 | 175.5 | 76.3 | 128.2 | 55.7 | 117.8 | 51.2 |
| Visana | 152.15 | 100.15 | 152.15 | 100.15 | 167.35 | 110.15 | 167.35 | 110.15 | 152.15 | 100.15 | 144.55 | 95.1 |
Age 38
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 | 74.9 |
| CSS | 144.5 | 99.4 | 103.2 | 71 | 144.5 | 99.4 | 144.5 | 99.4 | 123.8 | 85.2 | 103.2 | 71 |
| Concordia | 77.5 | 77.5 | 72 | 72 | 88.5 | 88.5 | 77.5 | 77.5 | 72 | 72 | 72 | 72 |
| Helsana | 110.75 | 60.90 | 78.40 | 43.10 | 159.75 | 87.85 | 123.50 | 67.90 | 97.00 | 53.35 | 78.40 | 43.10 |
| KPT | 148.9 | 118.2 | 86.7 | 69.2 | 190.2 | 142.3 | 183.6 | 137.6 | 141.8 | 112.5 | 117.3 | 93.4 |
| SWICA | 102.70 | 87.30 | 95.30 | 81.00 | 157.70 | 134.10 | 126.90 | 107.80 | 113.60 | 96.60 | 76.40 | 64.90 |
| Sympany | 181.3 | 81.3 | 148.8 | 66.7 | 221.3 | 99.2 | 221.3 | 99.2 | 161.6 | 72.5 | 148.5 | 66.6 |
| Visana | 152.15 | 100.15 | 152.15 | 100.15 | 167.35 | 110.15 | 167.35 | 110.15 | 152.15 | 100.15 | 144.55 | 95.1 |
Age 53
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 | 139.6 |
| CSS | 152.9 | 155.9 | 109.2 | 111.4 | 152.9 | 155.9 | 152.9 | 155.9 | 131 | 133.7 | 109.2 | 111.4 |
| Concordia | 168.8 | 168.8 | 156.8 | 156.8 | 192.8 | 192.8 | 168.8 | 168.8 | 156.8 | 156.8 | 156.8 | 156.8 |
| Helsana | 143.95 | 132.90 | 101.90 | 94.10 | 207.65 | 191.70 | 160.50 | 148.20 | 126.15 | 116.40 | 101.90 | 94.10 |
| SWICA | 197.50 | 197.50 | 183.10 | 183.10 | 303.40 | 303.40 | 244.00 | 244.00 | 218.50 | 218.50 | 146.90 | 146.90 |
| Sympany | 181.3 | 178.2 | 148.8 | 146.3 | 221.3 | 217.5 | 221.3 | 217.5 | 161.6 | 158.8 | 148.5 | 146 |
| Visana | 177.6 | 167.7 | 177.6 | 167.7 | 195.35 | 184.5 | 195.35 | 184.5 | 177.6 | 167.7 | 168.7 | 159.3 |
Age 65
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 | 187.2 |
| CSS | 218.6 | 243.1 | 156.2 | 173.6 | 218.6 | 243.1 | 218.6 | 243.1 | 187.4 | 208.4 | 156.2 | 173.6 |
| Concordia | 263.2 | 263.2 | 244.5 | 244.5 | 300.6 | 300.6 | 263.2 | 263.2 | 244.5 | 244.5 | 244.5 | 244.5 |
| Helsana | 221.50 | 232.55 | 156.80 | 164.65 | 319.50 | 335.45 | 246.95 | 259.30 | 194.05 | 203.75 | 156.80 | 164.65 |
| SWICA | 259.80 | 259.80 | 241.00 | 241.00 | 399.10 | 399.10 | 321.10 | 321.10 | 287.40 | 287.40 | 193.30 | 193.30 |
| Sympany | 306.3 | 306.3 | 251.4 | 251.4 | 373.9 | 373.9 | 373.9 | 373.9 | 273 | 273 | 250.9 | 250.9 |
| Visana | 353 | 353 | 353 | 353 | 388.35 | 388.35 | 388.35 | 388.35 | 353 | 353 | 335.35 | 335.35 |
Age 80
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Helsana | 387.60 | 420.80 | 274.40 | 297.90 | 559.10 | 607.00 | 432.20 | 469.20 | 339.55 | 368.70 | 274.40 | 297.90 |
The age-80 panel carries one insurer. Helsana is the only carrier in this set that quoted semi-private cover to a new applicant at 80; every other calculator withdrew the product rather than returning a price.
Appendix B
Full premium detail — private.
Age 26
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 |
| CSS | 197.5 | 151.9 | 141.1 | 108.5 | 197.5 | 151.9 | 197.5 | 151.9 | 169.3 | 130.2 | 141.1 | 108.5 |
| Concordia | 125.1 | 125.1 | 107.3 | 107.3 | 125.1 | 125.1 | 118 | 118 | 118 | 118 | 107.3 | 107.3 |
| Helsana | 201.55 | 100.80 | 122.90 | 61.45 | 238.00 | 119.00 | 150.75 | 75.40 | 168.75 | 84.40 | 122.90 | 61.45 |
| KPT | 121.7 | 76.1 | 125.4 | 78.5 | 127.8 | 79.9 | 121.7 | 76.1 | 126.3 | 79.1 | 124.2 | 77.7 |
| SWICA | 165.50 | 140.70 | 128.50 | 109.30 | 166.50 | 141.50 | 150.70 | 128.10 | 161.80 | 137.50 | 97.30 | 82.70 |
| Sympany | 242 | 105.2 | 188.6 | 82 | 250.3 | 108.8 | 250.3 | 108.8 | 244.1 | 106.1 | 217.2 | 94.4 |
| Visana | 236.25 | 152.4 | 236.25 | 152.4 | 259.9 | 167.7 | 259.9 | 167.7 | 236.25 | 152.4 | 224.5 | 144.8 |
Age 38
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 | 141.9 |
| CSS | 287.1 | 197.5 | 205.1 | 141.1 | 287.1 | 197.5 | 287.1 | 197.5 | 246.1 | 169.3 | 205.1 | 141.1 |
| Concordia | 156.4 | 156.4 | 134.1 | 134.1 | 156.4 | 156.4 | 147.5 | 147.5 | 147.5 | 147.5 | 134.1 | 134.1 |
| Helsana | 201.55 | 110.85 | 122.90 | 67.60 | 238.00 | 130.90 | 150.75 | 82.90 | 168.75 | 92.80 | 122.90 | 67.60 |
| KPT | 188.4 | 140.8 | 193.9 | 145 | 197.9 | 147.8 | 188.4 | 140.8 | 195.5 | 146.2 | 192 | 143.5 |
| SWICA | 187.90 | 159.70 | 145.90 | 124.00 | 189.00 | 160.60 | 171.00 | 145.30 | 183.70 | 156.10 | 110.50 | 93.90 |
| Sympany | 306.2 | 136.8 | 238.7 | 106.6 | 316.7 | 141.5 | 316.7 | 141.5 | 308.8 | 138 | 274.8 | 122.8 |
| Visana | 240.15 | 170.4 | 240.15 | 170.4 | 264.15 | 187.5 | 264.15 | 187.5 | 240.15 | 170.4 | 228.15 | 161.9 |
Age 53
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 | 220.4 |
| CSS | 303.8 | 303.8 | 217 | 217 | 303.8 | 303.8 | 303.8 | 303.8 | 260.4 | 260.4 | 217 | 217 |
| Concordia | 325.3 | 325.3 | 279 | 279 | 325.3 | 325.3 | 306.8 | 306.8 | 306.8 | 306.8 | 279 | 279 |
| Helsana | 262.00 | 241.85 | 159.75 | 147.50 | 309.45 | 285.65 | 196.00 | 180.90 | 219.40 | 202.55 | 159.75 | 147.50 |
| SWICA | 361.20 | 361.20 | 280.50 | 280.50 | 363.30 | 363.30 | 328.90 | 328.90 | 353.10 | 353.10 | 212.50 | 212.50 |
| Sympany | 306.2 | 306.2 | 238.7 | 238.7 | 316.7 | 316.7 | 316.7 | 316.7 | 308.8 | 308.8 | 274.8 | 274.8 |
| Visana | 344.55 | 321.45 | 344.55 | 321.45 | 379.1 | 353.5 | 379.1 | 353.5 | 344.55 | 321.45 | 327.35 | 305.35 |
Age 65
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Aquilana | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 | 295.5 |
| CSS | 422.3 | 469.4 | 301.6 | 335.3 | 422.3 | 469.4 | 422.3 | 469.4 | 362 | 402.3 | 301.6 | 335.3 |
| Concordia | 499.1 | 499.1 | 428.1 | 428.1 | 499.1 | 499.1 | 470.8 | 470.8 | 470.8 | 470.8 | 428.1 | 428.1 |
| Helsana | 403.10 | 423.25 | 245.75 | 258.05 | 476.05 | 499.85 | 301.50 | 316.60 | 337.55 | 354.40 | 245.75 | 258.05 |
| SWICA | 475.20 | 475.20 | 369.00 | 369.00 | 478.00 | 478.00 | 432.70 | 432.70 | 464.50 | 464.50 | 279.60 | 279.60 |
| Sympany | 515.5 | 515.5 | 401.8 | 401.8 | 533.2 | 533.2 | 533.2 | 533.2 | 519.9 | 519.9 | 462.6 | 462.6 |
| Visana | 588.1 | 588.1 | 588.1 | 588.1 | 646.9 | 646.9 | 646.9 | 646.9 | 588.1 | 588.1 | 558.7 | 558.7 |
Age 80
| Insurer | Zür | Zug | Gen | Vau | Bas | Ber | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| F | M | F | M | F | M | F | M | F | M | F | M | |
| Helsana | 705.40 | 765.85 | 430.10 | 466.95 | 833.10 | 904.50 | 527.65 | 572.85 | 590.70 | 641.35 | 430.10 | 466.95 |
Sources: Helsana (portal.helsana.ch/offer) · SWICA (calculate.swica.ch) · Visana (dap.visana.ch) · Sympany (calculator.sympany.ch) · CSS (calculator.css.ch) · Concordia (praemienrechner.concordia.ch) · KPT (assistant.kpt.ch) · Aquilana (calculator.aquilana.ch and Tarifblatt VVG 2026). All accessed 10 August 2026. Cantonal geometry: swiss-maps (swisstopo-derived boundaries, 2021).
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