Health Insurance Switzerland: Compare Premiums 2026

Q: How can I save the most on health insurance premiums?

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.

Q: By when do I have to cancel my health insurance?

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.

Q: What is the difference between HMO and Telmed models?

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.

Q: Can a health insurance company reject me for 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.

Q: Is it worth comparing health insurance every year?

Yes, because premiums are redefined annually by the FOPH and can fluctuate heavily depending on your region of residence. A comparison helps you fully exploit the savings potential of up to 1000 CHF per year.

Save on your monthly fixed costs. With our independent comparison, you will find the right basic and supplementary insurance.

Calculate Premiums for 2026

Enter your zip code to see the current rates in your region:

Everything About Health Insurance

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Premium Comparison

Calculate your individual premium for the year 2026.

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Current Premiums

Overview of health insurance prices by canton.

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Supplementary Insurance

More protection for teeth, glasses, and alternative medicine.

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Savings Tips

How to correctly optimize your deductible and insurance model.

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Hospital Supplementary

More comfort: Free choice of doctor and accommodation in semi-private or private rooms.

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Dental Insurance

Cost coverage for dental treatments, misalignments, and prophylaxis.

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Accident Insurance

Coverage for accidents: Find out if you are insured privately or through your employer.

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Flex Model

Maximum flexibility: Decide on your comfort class only upon hospital admission.

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Alternative Medicine

Holistic healing methods: Coverage for osteopathy, acupuncture, and naturopathy.

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Semi-Private

More comfort in the hospital: Recovery in a twin room and free choice of doctor for planned interventions.

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Private

Exclusive inpatient treatment: First-class care in a single room by the chief physician personally.

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Telmed / HMO

Waive the free choice of doctor and use a hotline or a medical center first.

How You Can Save on Health Insurance

In Switzerland, health insurance premiums are constantly rising. However, you have options to counteract this. By choosing a higher deductible (up to 2,500 CHF) or an alternative insurance model like HMO, family doctor, or Telmed, you can save substantially.

✅ HMO Model: Treatment in a group health center.
✅ Telmed Model: Initial consultation via telephone or app.
✅ Family Doctor Model: The first step always leads to your family doctor.
✅ Deductible (Franchise): A higher deductible reduces the monthly premium.

Save health insurance Switzerland strategies 2026

Which Insurance Model Suits You?

Model	First Point of Contact	Savings Potential
Standard (Free Choice)	Directly to the specialist or doctor	0% (Base premiums)
Family Doctor	Your own family doctor	up to 15%
Telmed	Medical hotline / app	up to 20%
HMO	Group practice (Health Center)	up to 25%

Official List of All Swiss Health Insurances (As of September 2025)

Here you will find a current overview of all health insurers approved by the Federal Office of Public Health (FOPH) in Switzerland. This list includes both large national insurers and regional providers offering mandatory health care insurance according to KVG.