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Health Insurance in Switzerland

Compare health insurance premiums in different cantons and regions.

CH Average
CHF 398
Adult Premium
Cheapest
CHF 298
Appenzell Innerrhoden
Most Expensive
CHF 512
Geneva
Yearly Increase
+5.2%
Average 2025

Interactive Map

Klicken Sie auf einen Kanton fuer detaillierte Praemieninformationen

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Premium by Canton

Adult Premium, Standard, CHF 300 Franchise

RankCantonAdult PremiumChild PremiumChange 2025
1GenevaCHF 512CHF 125 +6.8%
2VaudCHF 478CHF 118 +5.9%
3TicinoCHF 448CHF 112 +6.1%
4Basel-StadtCHF 445CHF 110 +5.2%
5ZurichCHF 428CHF 105 +5.5%
6NeuchatelCHF 425CHF 104 +5.8%
7Basel-LandschaftCHF 418CHF 102 +4.9%
8FribourgCHF 412CHF 101 +5.4%
9ValaisCHF 412CHF 100 +5.2%
10ZugCHF 398CHF 98 +4.8%
11AargauCHF 398CHF 97 +5.1%
12JuraCHF 398CHF 97 +5.6%
13BernCHF 389CHF 95 +4.8%
14St. GallenCHF 385CHF 94 +4.5%
15SolothurnCHF 378CHF 92 +4.6%
16SchaffhausenCHF 365CHF 89 +4.2%
17LucerneCHF 365CHF 89 +4.4%
18ThurgauCHF 365CHF 89 +4.3%
19Appenzell AusserrhodenCHF 358CHF 87 +3.9%
20SchwyzCHF 345CHF 84 +4.1%
21GraubundenCHF 342CHF 83 +3.8%
22GlarusCHF 342CHF 83 +4.0%
23NidwaldenCHF 318CHF 78 +3.5%
24UriCHF 312CHF 76 +3.2%
25ObwaldenCHF 298CHF 73 +3.0%
26Appenzell InnerrhodenCHF 298CHF 73 +2.8%
Source: BAG (Bundesamt fuer Gesundheit), As of 2025

Insurance Models

Savings Comparison

StandardBase Premium

Free choice of doctor

HMO-15%

Treatment at HMO center

Family Doctor-12%

Family doctor as first contact

Telmed-18%

Telephone consultation first

Franchise Comparison

How the franchise affects your monthly premium.

FranchiseMonthly PremiumYearly Premium
CHF 300CHF 398CHF 4'776
CHF 500CHF 378CHF 4'536
CHF 1'000CHF 348CHF 4'176
CHF 1'500CHF 318CHF 3'816
CHF 2'000CHF 298CHF 3'576
CHF 2'500CHF 278CHF 3'336

Premium Calculator

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Sources

FOPH - Federal Office of Public Health
Premium Overview 2025