Methodology & data sources

The 2026 dataset is based on official FOPH premium data and the official mapping of postal codes, municipalities and premium regions. For 2027, individual public releases on insurers' official websites may also be included once the specific amounts and their FOPH approval have been verified.

Each such release records its source, publication date, review date, effective date and covered tariff profiles. Submission to the FOPH, forecasts or unapproved prices do not qualify. Missing premiums are neither estimated nor replaced with previous-year prices.

The FOPH dataset for 2026 was imported on 2026-07-06. It remains available separately from 2027 premiums. The calculator shows whether reviewed 2027 prices are available; the year remains unavailable until they are.

New premiums can be added progressively as soon as an individual official release has been reviewed. Each comparison stays within the selected insurance year. Prices for 2026 are not presented as 2027 prices or included in its ranking.

The 2026 FOPH dataset covers the profiles described below. Coverage for 2027 may initially include only some insurers, regions or profiles. This partial status is clearly labelled: the cheapest available offer does not establish the cheapest offer in the entire market. Missing data for a profile is indicated.

• all 26 cantons and FOPH premium regions in the 2026 dataset; 2027 uses its own official region mapping
• locality and municipality selection in the personal comparison; a municipality is mandatory when several premium regions apply, and no region is guessed from a majority
• all three age classes: children (up to 18), young adults (19–25), adults (26+)
• all deductible levels: CHF 0–600 for children, CHF 300–2500 for adults and young adults
• with and without accident cover
• models by data year: standard, family doctor, HMO, Telmed and other models for 2026; standard, practice, pharmacy, telemedicine/digital and flexible models for 2027

Results are sorted by price only, ascending, within the selected insurance year and available data. Per insurer, the cheapest tariff in the selected model category is shown (across available models for «cheapest option»). No insurer pays for a better position; intermediation compensation has no influence on the ranking.

Where personal savings are displayed, the formula is (entered monthly premium − cheapest comparable monthly premium) × 12, rounded to whole francs. The baseline must cover the same insurance year, deductible, accident cover, age class and premium region. Selecting «cheapest option» may require switching to a model with different rules.

Use «Adjust details» to change the deductible, model or accident cover and calculate again. For 2026, selecting your insurer and model instead of entering a premium uses its cheapest matching tariff as a labelled estimate. For 2027, your own confirmed comparison premium is optional. Without it, no personal saving against your existing contract is claimed. A partial dataset is not used to claim that your premium is already the cheapest in the market.

The deductible comparison keeps the same insurer, specific model, insurance year, age class, region and accident cover. For 2027, it is shown only when the required deductible levels for that model are complete. Missing levels are not filled using another model or year.

Above the deductible, a coinsurance of 10% of further costs applies, legally capped at CHF 700 per year for adults and CHF 350 for children. The break-even between the lowest and highest deductible is the yearly health-cost amount C* at which both cost the same: C* = low deductible + (yearly premium saving of the high deductible) ÷ 0.9. If your expected costs are below it, the higher deductible is cheaper; above it, the lower one. The hospital contribution of CHF 15 per day is not part of the calculation.

• Your insurer's policy and premium decision are solely authoritative – the comparison is information, not a quote.
• Payment-mode discounts (e.g. annual invoice), family discounts or insurer-specific specials are not considered.
• Supplementary insurance (VVG) is not part of the comparison.
• The individual premium reduction (IPV) of your canton is not included.
• Binding quotes can only be arranged with partner insurers. The ranking is independent of partnerships, but a partial dataset includes only offers already recorded.