Terms of Service

These Terms apply to the use of franchiserechner.ch, operated by Bartuma Solutions (sole proprietorship, owner Joel Bartuma), c/o Joel Bartuma, Im See 1, 8187 Weiach (see Imprint).

The Service provides a free, non-binding premium comparison for Swiss compulsory basic health insurance (KVG) based on the official premium data published annually by the Federal Office of Public Health (FOPH). On request, an adviser from our team contacts you to discuss the results and, if you wish, to assist with switching insurer, including the cancellation of your current policy.

No insurance contract is concluded on this website.

The results displayed by the calculator are generic calculations based on your inputs and official premium data. They constitute neither an offer within the meaning of Art. 3 et seq. of the Swiss Code of Obligations (OR) nor individual insurance, legal or financial advice, and they do not replace such advice. Solely the offers, policies and premium notices of the respective insurer are binding.

Premium data originates from the official open-data publications of the FOPH (priminfo.admin.ch) for the premium year indicated on the site. We maintain the data carefully but give no warranty as to its correctness, completeness or currency.

The Service is free of charge for users; there is no subscription and no hidden costs. The Service is financed by compensations paid by insurers when a change of basic insurance is concluded through our advice. For basic insurance, this compensation is capped by law at CHF 70 per insured person. The compensation has no effect on your premium: basic-insurance premiums are fixed by regulatory approval – with or without an intermediary.

We contact you only if you have expressly requested this by submitting the contact form and giving your consent, which is stored together with its wording and a timestamp. You may withdraw your consent at any time with effect for the future (see Privacy Policy).

Your data is never sold and never shared with third parties for their own advertising. Technical service providers process data solely on our behalf as processors (see the Privacy Policy). Only if you decide to apply for a new policy do we transmit the necessary application data to the insurer of your choice.

You undertake to provide truthful and complete information. Automated queries, scraping, and any use that impairs the operation of the Service or circumvents its intended purpose are prohibited.

All content, design and calculation logic of the Service are protected by copyright. Any reproduction, distribution or republication – including in extracts – requires our prior written consent.

There is no entitlement to uninterrupted availability of the Service. We may modify, restrict or discontinue the Service at any time.

The processing of personal data is governed by our Privacy Policy. Optional statistics and marketing technologies (e.g. Plausible Analytics, Google Ads conversion measurement, Meta/Facebook pixel) are used only with your consent via the cookie notice; your choice can be changed or withdrawn at any time via «Cookie settings» in the footer.

We may amend these Terms for the future. The version published on this website with its date applies; material changes will be indicated on the website.

Should individual provisions of these Terms be invalid, the validity of the remaining provisions remains unaffected (Art. 20 para. 2 OR).