Premium calculator 2027: Which is the cheapest health insurer in Switzerland?

The health insurance premiums differ by place of residence and premium region, health insurer, model, deductible and Altersstufe. The cheapest health insurer is different for every situation. Compare basic insurance premiums for your situation and find the cheapest health insurer for 2027.

When and how can I switch health insurer?

Mandatory basic insurance: You can switch basic insurance annually. The cut-off date for the insurer switch or termination is 30 November. If 30 November falls on a weekend, the termination must reach the health insurer on the Friday before. Health insurers must accept new policyholders for basic insurance regardless of their health situation. Expats also find a dedicated Health Insurance for Expats overview.Supplementary insurance: With most insurers you must terminate supplementary insurance by 30 September. For acceptance, the health insurer requires a health assessment via a health questionnaire. A pre-existing condition does not necessarily lead to a rejection. Possibly the pre-existing condition is excluded from coverage via a reservation .When switching supplementary insurance the rule applies: only terminate the old policy once the acceptance confirmation of the new health insurer is in hand. Templates can be found under termination templates.

How do I find the cheapest health insurer?

The premium comparison in the Compando health insurance comparison lays the foundation. In addition, you lower the premium through targeted adjustments: An alternative insurance model such as family doctor, HMO or Telmed reduces the premium by up to 25 percent compared to the Standard model with free choice of doctor. A higher deductible further lowers the monthly premium. Anyone entitled to a premium reduction should submit the application on time.

How much will health insurance premiums rise in 2027?

Health insurance premiums for basic insurance rise in 2027 by an average of 5.0 percent compared to 2026, more than in the previous year (+4.4 percent). By choosing the health insurer, the deductible and the insurance model you cushion the increase. Anyone who makes full use of the savings potential and compares often offsets the increase entirely.

How much does health insurance cost per month in Switzerland?

The average monthly premium 2027 is CHF 412 across all age groups and CHF 487.60 for adults aged 26 and over. The average premium is the sum of all premiums paid in Switzerland, divided by the number of insured persons. Actual premiums differ by age, place of residence and premium region, deductible and insurance model, sometimes substantially. For young adults up to age 25, dedicated tariffs apply. Families benefit from significantly lower children's premiums.

In which canton is health insurance cheapest?

The lowest average premiums in 2027 are in the cantons of Zug, Appenzell Innerrhoden and Uri. The highest premiums on average in 2027 are in the cantons of Ticino, Geneva and Basel-Stadt. Within some cantons, premium regions further differentiate. Anyone moving from a high-cost region informs the health insurer in time and thus avoids double insurance when relocating.

When is accident coverage via health insurance necessary?

In Switzerland, accident insurance is mandatory. If you are employed at least eight hours per week with a single employer or are registered with the RAV, you are automatically insured against accidents under the Accident Insurance Act (UVG). In this case, you can suspend the accident coverage in basic insurance and save on the premium. All other insured persons must include accident coverage in their basic insurance. For self-employed persons, alternative solutions exist.

What does health insurance for a family in Switzerland cost per month?

A family with two adults and two children pays around CHF 1,230 per month for the mandatory basic insurance in 2027, on the Swiss average. The actual costs differ markedly by canton of residence, insurance model and chosen deductibles.Families benefit from lower children's premiums, multi-child discounts and alternative models. Details on optimising the family premium can be found in the family guide. Families with low income are entitled to a premium reduction depending on canton already from a gross income of 70,000 to 110,000 francs.

Can I deduct health insurance premiums from taxes?

Health insurance premiums can be claimed in the tax return as an insurance deduction. The amount of the deduction depends on the canton of residence. At the federal level, the deduction for married couples is up to 3,500 francs, for singles up to 1,750 francs, plus 700 francs per child. Anyone not paying into Pillar 3a often benefits from the double deduction.In addition, co-payment, deductible and other illness-related costs can be deducted under «illness and accident costs», provided they exceed 5 percent of net income. Receipts such as doctor's bills, pharmacy receipts and self-paid amounts should be kept.

How much will premiums rise in 2027 for adults, young adults and children?

According to the FOPH, the average monthly premium 2027 rises by 4.9 percent to CHF 487.60 for adults aged 26 and over, by 4.8 percent to CHF 338.80 for young adults aged 19 to 25 and by 4.6 percent to CHF 128.10 for children. Drivers are still rising treatment costs, demographic ageing and new therapies.The FOPH published the 2027 premiums on 29 September 2026, and your health insurer will inform you of your new premium by the end of October. Anyone who compares health insurers and cancels by 30 November can at least offset the increase and at best save several thousand francs per year.

Health Insurance Comparison 2027

Q: Which is the best health insurer in Switzerland?

The best health insurer depends on your personal needs. Health insurers offer different service quality, customer satisfaction and model selection (family doctor, HMO, Telmed, Standard). The benefits of basic insurance are identical at all health insurers under the KVG. Health insurer rankings are therefore not based on benefits, but on service quality, digital tools, processing time for reimbursements and reachability.

Calculate your premiums with Switzerland's big health insurance comparison and save up to 3,600 francs per year. Compare the 2027 health insurance premiums for your canton with Compando.

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Compare benefits, premiums and conditions of all Swiss health insurers at a glance.

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Request an offer free of charge and without obligation. Online consultation with our health insurance specialists on request.

Switch health insurer in three steps

Choose whether you want to compare basic insurance, supplementary insurance or both together.
Enter your postcode, current health insurer and the year of birth and deductible of each person.

Why a health insurance comparison 2027 is worthwhile

The benefits of basic insurance are identical at all health insurers in Switzerland and laid down in the KVG.
The health insurance premiums, by contrast, differ markedly depending on model and deductible.

A switch from the most expensive to the cheapest health insurer saves you up to around 3,600 francs per year. That is why comparing health insurance premiums is worthwhile, especially in the long term.

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The health insurers in our comparison

How the Compando health insurance comparison works

The basic insurance comparison is based on the premiums of all Swiss health insurers approved by the Federal Office of Public Health (FOPH) in the mandatory health insurance (OKP). After your entries you see how much you can save per year with each insurance model and request your personal offer.

The supplementary insurance comparison follows a different approach. You enter your needs: hospital supplement, outpatient benefits, dental treatments, vision aids, psychotherapy and other areas. Compando then prepares a personal offer tailored to your profile and your selected benefits.

The comparison data is regularly checked and updated according to the current FOPH approvals.

The most important things on health insurance

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Termination deadline

30 Nov.

Deductible range

CHF 300 to 2,500

Choosing a deductible

The deductible steers the cost-sharing: a higher deductible means a lower monthly premium.

Health insurance models

Family doctor, HMO, Telmed or Standard. The model influences the premium, not the scope of benefits.

Compando-Service

Termination letter for health insurance→

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Compare 2027 health insurance premiums

With the Compando premium calculator, you compare all health insurers in Switzerland. Simple, transparent and online.

Without registration, non-binding and free of charge.

Frequent questions about the health insurance comparison 2027

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Health Insurance Comparison 2027

Compare comprehensively

Tap your savings potential

Sign up effortlessly

Switch health insurer in three steps

Why a health insurance comparison 2027 is worthwhile

The health insurers in our comparison

How the Compando health insurance comparison works

The most important things on health insurance

Switching health insurers

Benefits of basic insurance