1
Your situation
Three short steps. The comparison updates as you type.
1. Your profileSets which official premiums apply
Age group
From 26, everyone pays the same premium, whatever their age.
Accident cover
Choose “without” if you work 8 or more hours a week for one employer.
2. Premiums comparisonWhich offers to compare
Insurance model
What do the models mean?
- Standard: free choice of doctor.
- Family doctor / HMO: you always go to your family doctor or an HMO practice first.
- Telmed: before seeing a doctor you call a medical advice line (or use an app).
- Other models: combinations, e.g. family doctor, Telmed or pharmacy as first contact, your choice per case.
What would you like to compare?
Insurer and plan
Cheapest first. You can still change a single column in the table below.
3. Expected medical costs in 2027How much do you expect to spend in 2027 on medical costs covered by basic insurance?
CHF
What counts as basic insurance costs?
- Counts: doctor and specialist visits, hospital stays (the insurer's share), medicines on the official list, lab tests, prescribed physiotherapy, maternity care.
- Does not count: dentist, glasses and contact lenses for adults, most alternative medicine, single rooms, anything covered only by supplementary insurance.
- Tip: your insurer's statements from this year show your total bills.
CHF
Comparison
Amounts per year · you can edit any monthly premium2
Break-even
Overview of the cheapest deductible (total cost) for every level of medical costs.
Horizontal: your medical costs per year, i.e. the bills from doctors, hospital and pharmacy before the health insurer pays its share. Vertical: what you pay in total = premiums + deductible + retention fee − premium reduction. Each line is one deductible; the lowest line at any point is the cheapest.
Cheapest deductible by cost range
Medical costs per year, using the premiums in the table.
Premium, deductible, retention fee, models and switching deadlines explained: General information →