How much is health insurance in Switzerland? 2027 by canton.

The full transcript.

0:00 Why "the average" misleads

How much is health insurance in Switzerland? For 2027, the federal average for an adult is CHF 487.60 a month. But that average blends every deductible and model. What you pay depends on canton, deductible and model.

0:19 Canton

First, your canton. For an adult, the federal average runs from CHF 324.90 a month in Zug to CHF 610.60 in Geneva, for identical benefits. Within a canton, the city usually costs most: in Zürich, about CHF 90 a month more than in Wetzikon.

0:41 Deductible

Second, your deductible. In Zürich city, choosing CHF 2,500 instead of 300 saves CHF 1,527 a year at the middle insurer, if you rarely see a doctor. One procedure of CHF 4,000, though, and you pay CHF 1,980 more out of pocket. Add the premium you saved, and that year costs CHF 453 more.

1:11 Model

Third, your model. Family doctor, HMO or Telmed: a different first contact, the same cover by law. In Zürich city, changing model at the same insurer saves CHF 98.20 to CHF 147.20 a month. Moving to the cheapest insurer on Standard saves CHF 45.05. Model first, insurer second.

1:39 Supplementary on top

Supplementary insurance comes on top, and it is the trap we see most often. Many expats buy one or two tiers more than they use in their first year, and never review it. Right-sizing it typically saves CHF 50 to 200 per adult a month. But never cancel before a new insurer has accepted you.

2:01 Work out your own number

To work out your own number, use our premium calculator, priminfo in English: enter your postcode, age, deductible and model, and every insurer is ranked for you. Employed 8 hours a week or more? Your employer already covers accidents, so leave accident cover out. And to switch on 1 January, your notice must arrive by 30 November.

2:29 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.