01Compare health insurers every year
Premiums change every year. Compare offers for your place of residence using the same deductible and model. Use our health insurance comparison or explore 2027 premiums.
Money-saving tips 2027
Save on health insurance: 7 tips for 2027
Choosing the right deductible and insurance model, and comparing premiums every year, can help you save on Swiss basic health insurance without losing legally mandated benefits.
Seven ways to save on health insurance
Swiss mandatory basic health insurance covers benefits defined by law. However, premiums vary by insurer, place of residence, insurance model, deductible and accident cover. Here are seven things to check:
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Seven ways to save on health insurance
02Choose the right deductible
A higher deductible often lowers monthly premiums but increases the amount you pay yourself for treatment. Consider your possible annual out-of-pocket costs, not just the monthly premium.
03Check whether you need accident cover
If you work at least eight hours a week for the same employer and have non-occupational accident insurance through that employer, you can generally exclude accident cover from basic health insurance.
04Consider an alternative insurance model
Family doctor, HMO, telemedicine and other alternative models may cost less than standard cover. Check the rules for which medical provider you must contact first.
05Check eligibility for premium subsidies
Depending on your income, assets and canton, you may qualify for an individual premium subsidy. Check the requirements with the responsible cantonal authority.
06Compare premiums for children and families
Children have their own premiums and deductibles. Compare options for each family member and check for child or family discounts. The cheapest insurer may differ between family members.
07Review supplementary insurance separately
Review which additional benefits you actually need. Do not cancel existing supplementary insurance until the new insurer has confirmed your acceptance in writing.