Insured in Switzerland like a tiger.
Strong, protected, without overpaying. Health insurance, supplementary cover, car, household, 3rd pillar and business insurance: official figures, calculators and complete guides to make informed decisions, then an advisor who compares offers for you.
- Official FOPH data
- Free, no obligation
- No cold calls
- 393.30 CHFaverage monthly premium in Switzerland (2026)See details
- +4,4 %average premium increase in 2026See the trend
- 245'000+different premiums for the same coverWhy so many?
- 30 Novemberdeadline to cancel basic health insuranceThe rules
Source: Federal Office of Public Health (FOPH), press release of 23.09.2025 and priminfo.admin.ch.
One-click selection
Which insurance do you want to compare?
Each area has its complete guide, key figures and points to watch.
Basic health insurance (LAMal)
Mandatory for everyone living in Switzerland, basic insurance covers the same benefits with every insurer. Only the price changes: that is why comparing pays off.
- Premiums by municipality and age
- Optimal deductible
- Alternative models
- Cancel before 30 November
In figures
Already insured?
Send a photo of your current policy for a like-for-like comparison.
Send my policyCalculators
Your figures, calculated live
No sign-up, no e-mail. Calculations apply the legal rules of basic insurance and the 3rd pillar.
Which deductible costs you the least?
Enter your current premium and usual medical costs. The table compares the total yearly cost (premiums + deductible + co-payment) for each adult deductible.
| Deductible | Premiums / year | Deductible paid | Co-payment | Total cost / year |
|---|---|---|---|---|
| 300 CHF | 6'940 | 300 | 70 | 7'310 CHF |
| 500 CHF | 6'800 | 500 | 50 | 7'350 CHF |
| 1'000 CHF | 6'450 | 1'000 | 0 | 7'450 CHF |
| 1'500 CHF | 6'100 | 1'000 | 0 | 7'100 CHF |
| 2'000 CHF | 5'750 | 1'000 | 0 | 6'750 CHF |
| 2'500 CHFCheapest (current) | 5'400 | 1'000 | 0 | 6'400 CHF |
Your current deductible of CHF 2'500 is already the best for this level of costs. It remains to check whether another insurer is cheaper.
Compare insurers with this deductibleEstimate using the maximum discount allowed (70% of the additional risk) and a 10% co-payment capped at CHF 700 per year. The actual discount varies by insurer. Understand the calculation
How much tax do you save with the 3rd pillar?
Pillar 3a contributions are deductible from taxable income, up to the legal limit.
Estimated tax saving: CHF 1'815 this year. Over 20 years at the same rate: about CHF 36'290 less tax.
Get a 3a proposal2026 limit for employees with a pension fund: CHF 7'258. Simplified estimate: the real saving depends on your income, canton and municipality. All about the 3rd pillar
Official premiums 2026
Average health premium by canton
Average monthly premium, all ages and deductibles combined, and increase compared with 2025. Click a canton for its detailed page.
Source: FOPH, press release of 23.09.2025. Values ≈: calculated from the 2025 premium and the official increase. Read the press release
Free advice
More than a premium comparison
A table gives a price. An advisor checks your contracts and needs, and stays available when you have a claim.
Free audit
All your policies reviewed: health, vehicles, household, pension.
Learn more Before any proposalContract review
Exclusions, limits, duplicates: you know what you are paying for.
Learn more Every autumnAnnual health insurance follow-up
New premiums analysed, cancellation prepared if it is worth it.
Learn more At home or by videoHome appointment
An advisor comes to you, evenings included.
Learn more G permitCross-border workers
Health insurance right of option: compare before deciding.
Learn more SMEs and self-employedBusinesses
Accident, loss of earnings, pension, liability, cyber: audit and compared offers.
Learn moreHow it works
Three steps, no obligation
Describe your situation
Canton, age, deductible, current contracts: a few simple questions, no medical data.
Receive the comparison
Relevant offers for your profile, like for like, with price differences explained.
Our methodDecide freely
If you switch, the cancellation letter is prepared for you and the deadlines are checked.
The steps
Calendar
The dates that matter this year
Most savings happen between late September and late December.
Practical guides
Understand before you compare
Complete explanations, without jargon, for every life situation.
Near you
Premiums and advice for your town
Each town has its page: canton average premium, 2026 increase and local procedures.
Is the service free?
Yes. Calculators, guides, comparison and advice cost you nothing. If you take out a contract, the insurance company pays the intermediary.
Where do your figures come from?
Average premiums come from the Federal Office of Public Health (FOPH). Deductible calculations apply the health insurance ordinance. For an exact premium we need your municipality, age, model and insurer: that is what we do in the comparison.
When are next year's premiums known?
The FOPH publishes approved premiums at the end of September. Insurers must then tell you your new premium by the end of October. You then have until 30 November to switch.
Will you call me?
No, unless you ask. You contact us yourself and we reply in writing.
Does the information on this site replace advice?
No. The guides give general information. Every situation is different: before cancelling a contract, have your case checked.
What do you do with my data?
It is used only to answer your request, in accordance with the Federal Act on Data Protection (FADP). It is never sold.
Ready to be insured in Switzerland like a tiger?
A photo of your policy is enough to get a free, like-for-like comparison.