Save on Health Insurance 2026
Premiums too high? We show you the most effective ways to massively reduce your fixed costs.
The Saving Potential in Switzerland is Huge
Did you know that Swiss households often pay hundreds of francs too much just because they haven't optimized their insurance model? With a few simple adjustments, you can benefit immediately without sacrificing medical quality.
- ✔ Choose deductible: Those who rarely see a doctor save the most with 2500 CHF.
- ✔ Saving models: Telmed, family doctor, or HMO are up to 25% cheaper.
- ✔ Exclude accident: Anyone working more than 8h per week does not need this.
- ✔ Premium reduction: Check your eligibility for state support.
The Best Strategies to Lower Premiums
Here are the most important levers you can pull to reduce your monthly financial burden.
Optimize Deductible
Choose either 300 CHF or 2500 CHF. The steps in between are almost never financially worthwhile.
Check premiumsTelmed / HMO
Give up free choice of doctor and use a hotline or medical center first.
Check premiumsUse Discount (Skonto)
Pay your premiums annually or semi-annually in advance to often get 0.5% to 2% discount.
Check premiumsCalculate Individual Saving Potential?
Every canton and age group has different saving opportunities. Use our calculator to find your personal best price.