Health Insurance Switzerland: Comparison, Premiums & Information

You can save by switching to a cheaper insurance model like HMO, Telmed, or the family doctor model. Increasing your deductible to 2500 CHF and excluding accident coverage (if you are insured through your employer) also significantly lower the costs.

The cancellation notice for the basic insurance must reach your current health insurance provider by November 30 at the latest. We recommend making the switch in October or early November.

With the HMO model, you commit to always visiting a specific group practice first in case of illness. With the Telmed model, you call a medical advisory hotline first. Both models offer attractive discounts compared to the standard basic insurance.

No. In Switzerland, there is an obligation to accept everyone for the mandatory basic insurance. Every health insurer must accept you regardless of your age or state of health.

Yes, because premiums change annually and can vary depending on your region of residence, health insurance provider, insurance model, and deductible. A comparison shows you the savings potential when switching health insurers or insurance models.