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Health Insurance Comparison Switzerland2025
Find the cheapest health insurance. Compare premiums, deductible models and supplementary insurance.
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What you should know
Health insurance is mandatory in Switzerland and represents one of the largest monthly expenses for households. Basic insurance (LAMal) covers basic medical care, while supplementary insurance offers extended benefits such as private rooms, alternative medicine, or dental treatment.
Premiums vary greatly depending on the canton, age, and chosen model. Choosing the right deductible (CHF 300 to CHF 2,500) can save several hundred francs per year. With frequent doctor visits, a low deductible is worthwhile; in good health, a high one.
Alternative insurance models like HMO, family doctor model, or Telmed offer discounts of 10-25% on the standard premium. These models restrict the free choice of doctor but are perfectly adequate for most healthcare needs.
An annual premium comparison is always worthwhile: Until the end of November, you can switch your health insurance for the new year. The benefits of basic insurance are identical with all providers – only the price differs.
Expert tips
Compare every year by October – new premiums are published at the end of September.
Check alternative models like HMO or Telmed for discounts of 10-25%.
Choose the deductible based on your health: For 0-1 visits/year, CHF 2,500 deductible is worthwhile.
Cancel supplementary insurance separately – they have different cancellation deadlines than basic insurance.
Check your entitlement to premium subsidies with the canton – many eligible people don't use this.
Frequently asked questions
By when can I switch health insurance?
For basic insurance, you can cancel by November 30 (standard deductible). With a higher deductible, by June 30. Cancellation must be by registered letter.
Which deductible should I choose?
In good health with few doctor visits (0-2 per year), the CHF 2,500 deductible is advantageous. With chronic illnesses or frequent visits, CHF 300 is cheaper. Calculate your expected healthcare costs.
What is the difference between HMO and family doctor model?
With HMO, you always go to an HMO center first. With the family doctor model, you choose a fixed family doctor as first point of contact. Both offer 10-20% discounts on the standard premium.
Do I need supplementary insurance with the same provider?
No, basic and supplementary insurance can be with different providers. But for supplementary insurance, there are health questionnaires – a switch is not always possible.
What are premium subsidies?
Cantons subsidize health insurance premiums for people with low income. Income limits and amounts vary greatly by canton. Check with your municipality or canton.
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Compare health insurance nowDisclaimer: The information provided on this page is for informational purposes only and does not constitute legal, financial, or tax advice. All information is provided without guarantee. Current conditions may differ from those mentioned here. Please check with the respective providers before concluding a contract.