Cheapest Swiss health insurance 2027: what it really saves.

The full transcript.

0:00 Is the cheapest insurer worse?

What is the cheapest health insurance in Switzerland for 2027? And is the cheapest insurer worse? No. Basic cover is exactly the same at every insurer, by federal law.

0:15 What the cheapest saves

The cheapest adult premium in Switzerland is CHF 227.50 a month, on an HMO model in Zug. But the cheapest insurer saves less than you think, and changing your insurance model saves more. In the seven cities we track, the cheapest insurer costs CHF 38.50 to 59.80 a month less than the median one. Real money, but the smallest of four decisions. And it rarely stays cheapest: in 14 of the 26 cantons, the cheapest is now a different insurer.

0:52 The model saves more

Changing model saves more. At KPT in Zürich, Standard costs CHF 535.60 a month, Telmed 428.50. At seven major insurers there, the cheapest model saves CHF 98.20 to 147.20 a month. The cover stays exactly the same. Only your first point of contact changes. Family doctor: your GP first. HMO: a group practice. Telmed: a phone or video call. So pick the model first, and the insurer second.

1:34 Can I still see an English-speaking doctor?

Can you still see a doctor who speaks English? With Telmed, usually yes: Medgate, behind most major insurers' Telmed lines, consults in English, around the clock. Check your insurer's line first. If you want a doctor in person from the first contact, Standard or the family doctor model remain the right call.

1:57 The bigger number: supplementary

The bigger number is supplementary insurance. It is optional, it varies widely between insurers, and it is where most expats over-buy, often by one or two tiers in their first year. Getting it right usually saves more than the cheapest basic insurer.

2:16 Four decisions, in order of weight

So decide in order of weight: supplementary, model, deductible, and only then the cheapest insurer. Check your figure on priminfo.ch, and cancel by 30 November, for 1 January.

2:32 Your first Swiss insurance review

If you'd like someone to read your own contracts with you, book your first Swiss insurance review. It's free, 45 minutes, in English, with Robert or Nicole. The link is in the description.