Official FOPH premiums 2027 · all insurers

Health insurance comparison 2027:
are you paying too much?

Same cover, lower price. By law, basic health insurance is identical with every insurer. Compare now in 60 seconds.

Already decided? Create your cancellation in 2 minutes →

32
insurers compared
CHF 1'200+
max. saving / year
60 sec.
to your result

Switching health insurer: how it works

1
Compare premiums
Enter your postcode, find the cheapest insurer. Same cover, lower price.
2
Cancel by 30 November
Your cancellation must reach your old insurer by 30 November. We create the letter for you right here, to send by email or post.
3
New insurer from 1 January
The new insurer notifies the old one. You stay insured until then, there is no gap.
Cancellation letter in two minutes. Choose your old insurer and we fill in the address and text. You sign on screen and send it by email or post, depending on what your insurer accepts.
Are the benefits really the same with every insurer?+
Yes. Basic health insurance (OKP) is regulated by law. Every insurer must provide exactly the same benefits, whether Assura, CSS or Helsana. The only difference is the price and the customer service.
When can I switch health insurer?+
Once a year, with effect from 1 January. Your cancellation must reach your current insurer by 30 November at the latest. The FOPH publishes the new premiums at the end of September each year. That is when comparing pays off.
What is the difference between standard, HMO and family doctor?+
Standard: free choice of doctor, highest premium.
Family doctor: you always see your family doctor first. Usually around 10% cheaper.
HMO: you go to a health centre. Usually around 12% cheaper.
Telmed: call first, then see a doctor. Usually around 10% cheaper, some tariffs up to 20%.
The medical benefits are the same in every model. Detailed guide →
Which deductible should I choose?+
Rule of thumb: if you rarely see a doctor, choose CHF 2'500 (lowest premium). If you need treatment regularly, choose CHF 300 (lowest cost sharing). With CHF 2'500 instead of CHF 300 you almost always pay CHF 1'540 less in premiums a year, around CHF 128 a month. The law does not allow a bigger difference. It pays off as long as your medical costs stay below about CHF 2'000 a year. Detailed guide →
Why do premiums vary so much depending on where you live?+
Switzerland is divided into premium regions. In urban areas (e.g. Zurich, Basel), healthcare costs are higher than in the countryside: more doctors, more specialists, more treatments. That is why premiums vary considerably by postcode.
Data analysis

Today’s cheapest is often tomorrow’s most expensive

An example from Appenzell Innerrhoden: Vivao Sympany was the cheapest insurer in 2026. In 2027 the same tariff costs 21.9% more, and the insurer is down to rank 9.

Switching to the cheapest every year often lands you right there. Our Price Consistency Rating shows which insurers have stayed cheap since 2020.

Price Consistency Rating 2027 and increase per insurer

Score from 0 to 10 based on price, consistency, loyalty, discount retention, tariff continuity and reserves. Next to it, the rise in the standard premium; average of all insurers +3.9% in 2026 and +4.6% in 2027. Red means above average. Click an insurer for the full analysis: score with all components, premiums in every canton, models and how to cancel.
InsurerScore20262027Since 2025
Concordia9.1+5.7%+2.8%+8.6%Analysis →
Agrisano8.6+4.9%+4.9%+10.0%Analysis →
KPT8.4+3.5%+2.7%+6.4%Analysis →
Sanitas7.9+3.8%+3.3%+7.3%Analysis →
Assura7.5+4.4%+4.6%+9.2%Analysis →
ÖKK7.4+4.4%+3.4%+8.0%Analysis →
Atupri7.2+4.4%+4.0%+8.5%Analysis →
Helsana6.8+5.4%+5.2%+10.9%Analysis →
Swica6.1+4.0%+3.6%+7.7%Analysis →
CSS6.1+2.6%+7.7%+10.5%Analysis →
EGK5.0+3.2%+3.5%+6.8%Analysis →
Visana4.9+2.6%+4.3%+7.0%Analysis →
Vivao Sympany4.8+3.5%+6.6%+10.3%Analysis →
Galenos4.4−8.0%+2.9%−5.4%Analysis →
Aquilana4.0+4.8%+4.1%+9.1%Analysis →
sana243.4+3.8%+3.9%+7.8%Analysis →
sodalis3.3+9.4%+5.5%+15.4%Analysis →
Mutuel2.7+3.1%+3.2%+6.4%Analysis →
Avenir2.4+3.1%+4.0%+7.1%Analysis →
Philos1.8+3.3%+3.4%+6.8%Analysis →
Insurers with at least 50'000 insured persons, sorted by score. The order may differ in your region, see the cantons below. How we calculate →

By canton

Largest increase
Jura +5.8%
Aargau +5.7%
Solothurn +5.7%
Smallest increase
Glarus +2.8%
Vaud +3.3%
Consistently cheap in your canton
AargauAppenzell AusserrhodenAppenzell InnerrhodenBasel-LandschaftBasel-StadtBernFribourgGenevaGlarusGraubündenJuraLucerneNeuchâtelNidwaldenObwaldenSchaffhausenSchwyzSolothurnSt. GallenThurgauTicinoUriValaisVaudZugZurich
Source: FOPH · adults, deductible 300, with accident cover · Full analysis 2027 · Price Consistency Rating · All insurers · Cancel by 30 November 2026
Guide

What you should know

💰
Which deductible is best?
CHF 300 vs. 2'500. We work out which one really pays off.
Read the article →
🏥
HMO, Telmed or family doctor?
All models explained simply. Same cover, lower premium.
Read the article →
🚑
Accidents in Switzerland & abroad
Who pays? Does it count towards the deductible? What applies abroad?
Read the article →
🏆
Which insurer stays cheap over time?
Our Price Consistency Rating, based on eight years of FOPH premiums.
See the rating →
📞
Why your adviser wants the supplementary insurance
CHF 70 for basic insurance, up to 16 monthly premiums for supplementary cover.
Read the article →
🎂
Health insurance at 26
Why your premium rises by up to two thirds at 26.
Read the article →
All guides →
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Check your premium before the deadline

You can switch every year with effect from 1 January. You must cancel by 30 November, by registered mail.

Go to the premium calculator →