Health Insurance Comparison 2026

Compare premiums and save up to 3,600 francs.

Find the cheapest health insurance in your region now – free, independent, and in just a few minutes.

100% Independent

All Swiss insurers in a neutral comparison.

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Your data is transmitted securely and encrypted.

Approved by FOPH

Official premium data from the Federal Office of Public Health.

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Your health insurance in three steps

Choose whether you want to compare the basic insurance, the supplementary insurance, or both together.
Enter your details and individual needs.
Instantly see your personal savings potential and compare all health insurers clearly.
Choose your preferred insurer and request a non-binding quote. If you wish, we’ll help you cancel your old policy free of charge.

Legally identical benefits, but huge price differences

In basic health insurance, the benefits are legally identical for all insurers. However, the premiums vary greatly – depending on canton, deductible, and model, often by several hundred francs per month.

Those who don’t compare almost always pay too much.

Regularly comparing is the easiest way to significantly reduce your fixed costs without sacrificing any benefits.

Health insurance explained simply

Deductible

The amount you pay yourself each year before the insurer covers any costs.

Co-payment

After reaching the deductible, you pay 10% of further costs yourself (max. CHF 700 per year).

Insurance models

With family doctor, HMO, or Telmed models, you slightly limit your choice of doctor but can save up to 25% on your premium.

Supplementary insurance

Covers gaps in basic insurance (e.g., private hospital, alternative medicine, dental care). This is compared separately.

TIP

If you rarely visit the doctor, a high deductible combined with an alternative model (e.g., Telmed) is usually worthwhile. It can often reduce your premium by several hundred francs per year.

Your advantages when comparing health insurance with Compando

Free & non-binding

You receive transparent results without any obligation.

Independent & neutral

We compare all Swiss health insurance providers – objectively and fairly.

Personal support

If desired, we guide you step by step through the switching process.

Data protection guaranteed

Your information remains confidential and is transmitted securely.

We believe: A good decision requires clarity. That’s exactly what we’re here for.

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Frequently Asked Questions

Here you’ll find answers to the most common questions about comparing health insurance providers.

The new health insurance premiums for the following year are officially announced in autumn – usually at the end of September – by the Federal Office of Public Health (FOPH).
From that point on, the premiums for 2026 are publicly available, and you can directly compare how your current insurer has changed.
Use October to check your new premium and, if necessary, switch early – the cancellation deadline is November 30.
Health insurance premiums in Switzerland have been rising significantly for several years – and in 2026, insured persons will once again face higher costs.
After the sharp increase of 8.7% in 2024 and another 6.0% in 2025, premiums will rise again by an average of around 4.4% in 2026, according to current figures from the Federal Office of Public Health (FOPH).
This continues the trend of rising healthcare costs – though at a slightly slower pace than in previous years. The main reasons for this renewed increase are growing outpatient expenses, higher medication costs, and the aging population.
Which health insurance provider is cheapest in 2026 depends on several factors – particularly your canton of residence, age, gender, and chosen model (e.g., family doctor, Telmed, HMO).
There is no universally cheapest health insurer for everyone – only the cheapest for your personal situation.
With our comparison tool, you can calculate your individual 2026 premium in just a few minutes and immediately see which provider offers the biggest savings.
You can change your basic insurance once per year, usually effective January 1.
For the change to be valid, your cancellation must reach your current insurer by November 30 at the latest (the postmark is not sufficient – the letter must actually arrive).
If you have a plan with a high deductible or an alternative model (e.g., HMO, family doctor, or Telmed), check whether different cancellation deadlines apply.
Tip: It’s best to send your cancellation in October – that gives you enough time to review new offers and complete the switch without stress.
Our non-binding health insurance comparison helps you find suitable alternatives in time.
Yes – the benefits of the mandatory basic insurance are regulated by law. No matter which insurer you choose, the basic medical coverage (doctor, hospital, medication, maternity, etc.) is always the same.
However, differences exist in:
  • Premium amounts (depending on canton, age, and model)
  • Service & customer satisfaction
  • Billing and digital services (e.g., apps)
  • Speed of reimbursements
Supplementary insurance covers services that go beyond basic insurance, such as:
  • Treatment in private or semi-private hospital wards
  • Alternative medicine (e.g., homeopathy, osteopathy)
  • Glasses, dental treatments, fitness subsidies, or check-ups
  • Foreign or travel insurance
Whether supplementary insurance is worthwhile depends on your personal needs.
If you value comfort, free choice of doctors, or additional health benefits, it’s a useful addition.
The deductible is the annual base amount you pay yourself. The co-payment applies once the deductible is reached. It amounts to 10% of additional costs, up to a maximum of CHF 700 per year.
That means: If you exceed your deductible by CHF 2,000, you pay CHF 200 yourself (10%), and the insurer covers the rest.
Our health insurance comparison is 100% free and non-binding. You only provide a few details – and receive tailored offers from various Swiss insurers.
We do not earn commissions from individual providers but work independently and neutrally.
Data protection is our top priority. Your personal information is used solely to calculate your individual insurance offers.
All data is transmitted securely and never shared without your consent.
We strictly comply with the Swiss Data Protection Act (DPA) and work only with certified partners and insurers.