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Insurance

Health Insurance Calculator 2026

Enter your details to compare health insurance quotes from multiple providers.

2026 FOPH premiums

Your Details

Enter your information to compare insurance quotes.

Type at least 2 characters of your postcode or town.

Tip: the highest deductible (CHF 2’500) has the lowest monthly premium, but also the highest out-of-pocket risk.

This tool shows the official 2026 premiums of the Federal Office of Public Health (FOPH/BAG/OFSP) minus the flat federal refund that insurers deduct from every invoice, sorted by price for comparison purposes only. We do not provide insurance advice or intermediary services.

Key Information

Basic Insurance (LAMal/KVG)

Mandatory health insurance covering essential medical treatments. All residents must have basic coverage within 3 months of arrival.

Deductible (Franchise)

Choose between CHF 300-2,500 per year. Higher deductible = lower premiums, but more out-of-pocket costs when you need care.

Insurance Models

Standard, HMO, Telmed, or Family Doctor models offer different premium levels. Restricted models have lower premiums but require specific care paths.

Supplementary Insurance

Optional coverage for dental, alternative medicine, private hospital rooms, and more. Apply early - health questions may apply.