Health insurance comparison 2027
CHF 236.40 more a year.
Swiss average for 2027.
What about you?
Compare basic insurance for you or your family.
Where do you live?
Health insurance premiums 2027: key questions
The average health insurance premium in Switzerland will rise by 5.0% in 2027. Your own change depends on factors including where you live, your age and your insurance.
FOPH: 2027 premiums and frequently asked questionsPremiums & savings
Which insurer is cheapest in 2027?
It depends on your location, age group, deductible, accident cover and model. We show available tariffs for your details, sorted by premium regardless of whether aumi works with the insurer.
How much does health insurance cost per month in 2027?
The calculator shows your monthly premium. Your deductible and co-payment are additional costs when you use medical services. A personal premium subsidy can reduce your premium; it is not included here.
Why does my premium rise more than the average?
Tariffs differ by insurer and premium region. Moving into a new age group can also change the price: children up to 18, young adults aged 19–25 and adults aged 26 or over. Add your current policy to separate tariff and age-group changes where the data allows.
Why do premiums differ by location?
Insurers calculate tariffs by canton and premium region. The same policy can therefore cost differently elsewhere. Your actual residence matters. With your current policy, you can also explore moving. The moving comparison keeps the selected offer and looks for a cheaper premium region. Rent, taxes and moving costs are excluded.
Am I entitled to a premium subsidy?
Your canton decides based on your financial and family circumstances. Check its application deadline too. The calculator does not deduct a personal premium subsidy.
New to Switzerland
New to Switzerland: When do I need to get insured?
You generally need to take out basic health insurance within three months of moving to Switzerland. If you enrol on time, both cover and premiums apply retrospectively from the date you take up residence. Those three months are not a premium-free period. If you enrol late, cover starts only when you join. An unjustified delay also leads to a premium surcharge. When moving here, do not wait for the annual switching deadline.
Can I keep my foreign health insurance?
Foreign insurance does not automatically replace Swiss basic health insurance. Exceptions apply to certain people, for example some students, posted workers or people employed abroad. This depends on your circumstances and the applicable social security rules.
Must an insurer accept me if I have a pre-existing condition?
Yes. An authorised insurer operating where you live must accept you for basic insurance, regardless of your age or health. There is no medical screening, waiting period or exclusion for pre-existing conditions. Voluntary supplementary insurance is different: insurers may ask health questions, exclude conditions or reject an application.
Are my partner and children automatically covered?
No. Everyone needs their own basic insurance and pays their own premium, including children. Register a newborn within three months so that cover and premiums apply retrospectively from birth. You do not all have to use the same insurer. Our household comparison shows offers with the same insurer and model, with individual deductibles and accident cover. Family discounts are not included.
Sources for this topic
Your insurance
What does basic insurance cover, and do I need supplementary insurance?
Basic insurance covers benefits defined by law for illness, maternity and accidents if accident cover is included. These include eligible medical treatment, certain medicines and hospital treatment. The statutory benefits are the same with every insurer. Supplementary insurance is optional. It can cover additional benefits or greater comfort. Check the conditions and limits for any particular treatment.
Which health insurer is best for me?
Statutory basic insurance benefits are the same. Service, billing and model rules differ. Check that your doctor’s practice is available in your chosen model.
How do family doctor, HMO and Telmed models differ?
A family doctor model starts with your chosen practice, HMO with a network practice, and Telmed with medical advice by phone or app. Each model defines its rules and exceptions. With free choice, you can generally go directly to an authorised doctor or specialist.
What are the deductible and co-payment?
The deductible is the amount you first pay yourself for covered treatment each calendar year. After that, you pay 10% of further costs, up to CHF 700 per year, or CHF 350 for children up to age 18. For three or more children in the same family insured with the same insurer at a CHF 0 deductible, combined co-payments are capped at CHF 1,000 per year. A higher co-payment applies to certain medicines. Hospital stays normally cost an additional CHF 15 per day. Exemptions include children and young adults up to age 25 in education or training. Further exemptions apply to maternity care. These treatment costs are in addition to your monthly premium.
Which deductible suits me?
For adults, a useful rule of thumb is: if you expect treatment costs below CHF 1,800 per year, a CHF 2,500 deductible is usually the better fit; from CHF 1,800 upwards, consider CHF 300. This means the cost of services covered by basic insurance before your cost sharing, excluding premiums. The exact threshold depends on the premium difference. With a CHF 2,500 deductible, keep up to CHF 3,200 available for the deductible and retention fee. For children, CHF 0 is usually a good choice: there is no deductible, so unexpected treatment puts less strain on the family budget. The usual 10% retention fee still applies, up to CHF 350 per year. A higher child deductible reduces premiums but increases what you have to pay yourself.
Do I need accident cover through my health insurer?
If you work at least 8 hours a week for the same employer, their accident insurance also covers accidents outside work. You can then ask to remove accident cover from your basic insurance. Otherwise, you should generally include it. The calculator selects it for children by default. You can turn it off, for example for an apprentice with the appropriate accident insurance. Check your cover again if you leave your job or change your working hours.
Switching insurers
When can I switch insurer?
To switch on 1 January 2027, your current insurer must receive your cancellation by 30 November 2026. The arrival date counts, not the postmark. Apply to the new insurer at the same time; it must confirm uninterrupted cover to your previous insurer. Unpaid premiums or cost-sharing bills for which you have already received reminders can prevent a switch. Clarify any outstanding debts with your insurer early.
When can I change my deductible?
A new deductible takes effect on 1 January. To lower it, your insurer must receive your written request by 30 November. You can request a higher deductible by the end of December; the FOPH recommends doing so by mid-December. Compare both the premium and the amount you could afford to pay yourself if you become ill.
Can I keep my supplementary insurance?
Yes. Basic and supplementary insurance can be with different insurers. Check combined-policy discounts. New supplementary cover involves health questions and acceptance is not guaranteed. Only cancel existing supplementary cover once the new cover is confirmed in writing.
About this comparison
Does aumi show all insurers or only partners?
We show the basic insurance tariffs available for your details in the FOPH premium data, sorted by premium. Working with aumi does not affect this order.
How are premiums calculated?
We use FOPH tariffs for your municipality, age group, deductible and accident cover. Environmental levy refunds are already deducted; personal premium subsidies and family discounts are excluded.
What happens to my details?
Your entries are saved in this browser tab and sent to aumi to calculate your results.