Why premiums vary so much
For the same cover, there are more than 245'000 different premiums in Switzerland. They depend on six factors.
Updated on 23.09.2026 · Official sources cited
The factors
- The canton: premiums reflect each canton's health costs.
- The premium region: a canton can have up to three regions, with different premiums.
- Age: children (0-18), young adults (19-25), adults (from 26).
- The deductible
- The model: standard or alternative.
- The insurer: for identical cover, the gaps between insurers are large.