The data comes fromFederal Office of Public Health (FOPH) and are official for the year 2025. All premiums and conditions shown correspond to the rates approved by the Swiss authorities.

The deductible is the amount you pay out-of-pocket each year before the insurance company reimburses your medical expenses.

• Higher deductible = lower monthly premium
• Lower deductible = higher monthly premium
• Franchises available: 0 (children), 300, 500, 1000, 1500, 2000, 2500 CHF.

If you are in good health, a high deductible can be advantageous.

Health insurance subsidies are paid automatically on the basis of your income, with no need to apply. Subsidies are deducted directly from your premiums.

The share corresponds to 10 % treatment costs in excess of the annual deductible. This contribution is calculated on the costs remaining after the deductible has been reached.

For example, if your deductible is 300 francs and your annual medical expenses amount to 1000 francs, you will first pay the 300-franc deductible, then 10 % of the remaining 700 francs, i.e. 70 francs.

You don't no need take out accident insurance with your health insurer if you work for at least 8 hours a week for a single employer, as you contribute to AA (Accident Insurance).

On the other hand, the self-employed and anyone not affiliated to a pension fund must take out accident insurance with the health insurance company.

No, it's not possible to change health insurer at specific times:

• For January 1st You must cancel your current insurance policy before November 22 and join a new caisse before November 30.
• For July 1st You can only change at this date if your ordinary annual deductible is 300 CHF for adults and young adults (18-25) or CHF 0 for children. Cancellation must be sent before March 22 and enrolment in the new fund must be completed by March 31.

In Switzerland, health insurance premiums are divided into 3 age groups:

• 0-18 years: Reduced premiums (approx. CHF 80-150/month)
• 19-25 years old: Young adult rate (approx. 200-400 CHF/month)
• 26+ years: Standard adult rate (approx. 300-600 CHF/month)

This breakdown reflects average healthcare costs by age group.

The main insurance models are as follows:

Basic insurance (free choice of doctor): This is the traditional model, where you have total freedom in your choice of practitioners. You can consult any doctor or specialist without restriction or prior authorization. On the other hand, this model has the highest premiums on the market.

Family doctor model (Hausarzt): In this system, you appoint a family doctor as your first point of contact for all your health problems. This doctor then refers you to specialists if necessary. This coordinated approach reduces costs, and you benefit from a discount of between 15 and 20% on your premiums. The downside is that you must go through your family doctor before consulting a specialist.

HMO (Health Maintenance Organization) model The HMO model gives you access to a network of group practices staffed by several doctors and specialists. This is particularly practical if you don't have a regular family doctor, as you're sure to find an available practitioner. Savings of up to 25% compared with free choice. On the other hand, you are limited to doctors in the HMO network and must obtain authorization to consult outside.

Telemedicine model (Telmed, Callmed): This modern model requires you to first call a medical hotline before any consultation. This 24-hour hotline is staffed by medical professionals who assess your situation and direct you to the appropriate treatment. Often, after this call, you are free to choose your own doctor. The savings are in the order of 15 to 20%, but you must accept that you will always have to go through this prior telephone stage.