Question 1

Is basic health insurance mandatory in Switzerland?

Accepted Answer

Yes. Everyone living in Switzerland must have mandatory basic insurance (Grundversicherung / assurance de base) within three months of arrival. Benefits are identical by law across all insurers. only the price and service model differ.

Question 2

How can premiums differ if the coverage is the same?

Accepted Answer

Basic-insurance benefits are fixed by federal law, but each insurer sets its own premium, and prices vary by canton, premium region, your age group, the deductible (franchise) and the insurance model you choose. That's why comparing can save you hundreds of francs a year.

Question 3

What is the 'franchise' (deductible)?

Accepted Answer

The franchise is the amount you pay yourself each year before your insurer starts covering costs. A higher franchise means a lower monthly premium. For adults it ranges from CHF 300 to CHF 2,500.

Question 4

Where does your premium data come from?

Accepted Answer

All premiums are based on the official open dataset published yearly by the Federal Office of Public Health (BAG/OFSP) at priminfo.admin.ch. Figures shown are indicative and refreshed each year.

Question 5

Is this service really free?

Accepted Answer

Yes, completely free and without obligation. We show you the cheapest approved premium for your profile so you can decide for yourself. there's no cost and no commitment.

Question 6

Can I change my health insurer?

Accepted Answer

Yes. You can switch your basic-insurance provider every year, usually with notice by the end of November. Because coverage is identical by law, switching to a cheaper insurer carries no downside in benefits.

Question 7

How much will Krankenkasse premiums rise in 2027?

Accepted Answer

Officially by 5.0% on average: the Federal Office of Public Health (BAG/OFSP) announced on 29 September 2026 that the mean premium rises to CHF 412 per month (+CHF 19.70); adults pay CHF 487.60 on average (+4.9%). Our comparison uses the official 2027 premiums per insurer. Cancel by 30 November if you want to switch for 1 January 2027.

Question 8

How does SwissHealthSaving compare premiums?

Accepted Answer

SwissHealthSaving compares official BAG/OFSP premium data and helps you understand the available options. We compare and inform, we do not provide advice. If you request support with supplementary insurance, your enquiry may be passed to a specialist.

Question 9

Can I also switch my supplementary insurance (Zusatzversicherung / VVG)?

Accepted Answer

Yes, but the rules differ from basic insurance. Most supplementary (VVG) policies can be cancelled once a year with three months' notice to the end of the calendar year. commonly a 30 September deadline for a switch effective 31 December, though exact terms vary by contract and start date, so check your policy. Unlike basic insurance, supplementary insurers are not required to accept new applicants: they can decline you or add exclusions based on a health questionnaire. That's why it's worth starting the process 3–4 weeks before the deadline. apply to the new insurer first, wait for their written acceptance, and only then cancel your current policy, so you're never left without cover.

Age group	per month 2027	change
Adults (26+)	CHF 487.60	+4.9%
Young adults (19–25)	CHF 338.80	+4.8%
Children (0–18)	CHF 128.10	+4.6%

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