Compare health insurance premiums and find your optimal deductible

Yes. The 2026 dataset comes from FOPH open data. For 2027, published prices from official insurer websites may also be included once the amounts and FOPH approval have been verified. Results identify the sources, insurance year and any partial coverage. Your insurer's policy remains authoritative.

Yes, using the calculator and viewing the comparison are free and non-binding. There are no costs and you don't enter into any subscription.

Only compulsory basic insurance (KVG) is compared. Supplementary insurance is not part of the comparison, as it is assessed individually.

With sufficient data, the calculator compares total costs across deductible levels for the same insurer and specific model. It shows the break-even point: the yearly healthcare costs above which a lower deductible pays off. For 2027, this comparison is shown only when the required levels are available.

The deductible (Franchise) is the fixed annual amount you pay entirely yourself first (adults can choose from CHF 300 to 2500). The co-payment (Selbstbehalt) comes after that: 10 percent of further costs, legally capped at CHF 700 per year for adults and CHF 350 for children. For hospital stays, adults additionally pay CHF 15 per day.

The savings models cut the premium mostly by 10 to 25 percent versus the standard model with free choice of doctor, depending on insurer and region – with legally identical benefits. Which model is cheapest for you differs per insurer; the calculator compares all models in your region, and the guide explains the rules in detail.

You can switch your basic insurance at the end of each year: the cancellation must reach your previous insurer by 30 November – regardless of whether the premium was increased. With the ordinary deductible (CHF 300) and the standard model with free choice of doctor, you can additionally switch as of 30 June (cancellation must arrive by 31 March). Mid-year premium increases are a rare special case; supplementary insurance (VVG) has different, usually longer notice periods.

Yes. Basic insurance comes with an obligation to accept: every insurer must take you on at the same conditions regardless of age, state of health or pre-existing conditions – there is no health check. This sets basic insurance apart from supplementary insurance, where insurers may decline applications.

The Franchiserechner is a service of Bartuma Solutions, based in Weiach ZH – entered in the commercial register of the Canton of Zurich (UID CHE-445.522.610) and listed in FINMA's register of insurance intermediaries (reg. no. F01574567). Your enquiry is handled by our own team; it is never sold to call centres or third parties.

Your details are stored in a database in Zurich and used solely to handle your request – never sold and never shared with third parties for advertising. Technical service providers (hosting, database, e-mail delivery) process data only on our behalf; we transmit your application data to an insurer only if you request it. We record your consent with its wording and timestamp; you can withdraw it at any time. You can find the details in our privacy policy.