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Independent comparison by FinanceRock GmbH, not a health insurer. Sorted by price, never by commission. Disclosure →

Independent comparison
not a health insurer
Compare premiums
Premiums 2027Official FOPH premiums · published on 29.09.2026 at 14:00from 29.09., 14:00

Every insurer.
Every model.
Honestly compared.

Every insurer and every basic health insurance model in the same grid. Total cost, not just the premium. And nobody calls you unless you chose them yourself.

Official FOPH premiums for every insurer in the same grid. No sign-up, no calls.

Year of birth
Accident
Deductible
Results without e-mail or phone numberEvery insurer, none hiddenSource: FOPH, data status visible
A couple sits at the kitchen table in front of a laptop; she points at the screen, he holds a letter and laughs.Illustrative image, AI-generated
Example: CHF 690 / year difference*
Insurer A
GP model
328.90
CHF / month
Insurer B
Pharmacy model
271.40
CHF / month
Total / year
CHF 3,756.80
Scenario
Healthy (CHF 500)
Deductible
CHF 2,500
Cheapest in the exampleAccident cover included
Insurer C
GP model
309.10
CHF / month
*Example calculation with assumed premiums, not real offers. Adults, deductible 2,500, with accident cover, CHF 500 in medical costs. Co-payment under Art. 64 KVG and Art. 103 KVV.

  • No contact wall

    Results always shown without contact details.

  • Sorted by premium

    Never by commission. Nothing hidden.

  • Every figure sourced

    FOPH, KVG, FINMA. Data status always visible.

  • Fully disclosed

    FinanceRock GmbH, Cham · FINMA F01496799 · not a health insurer.

No contact wall · sorted by premium

FinanceRock GmbH, Cham · FINMA F01496799 · not a health insurer

01 · What you can do here

Understand, compare, switch. No sales calls.

Six starting points, one data source. Everything is free, and none of it needs a sign-up.

02 · Total cost

The premium is only half the bill.

Your deductible plus the 10% retention fee (max. CHF 700) count too. That’s why the annual total appears directly in the result, across three health scenarios. So you can see whether a high deductible pays off for you.

Example: premium of CHF 420 (deductible 300) or CHF 330 (deductible 2,500) per month. Co-payment under Art. 64 KVG and Art. 103 KVV.

Scenario “Healthy”, CHF 500 in medical costsExample
Deductible 300CHF 5,360 / year
Deductible 2,500CHF 4,460 / year · saves 900
Premium × 12Deductible + retention fee
For every stage of life

The same rules. Different questions.

Moving out, starting a family or retiring changes the maths. Basic health insurance stays the same.

Advice

Questions about basic health insurance? Just ask.

The advice is free for you, and we only get in touch through the channel you choose. Advice is provided by FinanceRock GmbH, untied insurance intermediary with FINMA register number F01496799.

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03 · Premiums 2027

On 29.09.2026 at 14:00, it’s time.

The Federal Office of Public Health publishes the 2027 premiums at a media conference. We take them over once they are released, and the calculator always shows which premium year applies.

Deadlines

  1. The FOPH publishes the 2027 premiums at 14:00.

    Source: admin.ch, media conference “Health insurance premiums 2027”, announced on 23.09.2026

  2. FOPH recommendation: send your notice of cancellation by now at the latest, by registered mail or A-Post Plus.

    Source: FOPH fact sheet “Changing health insurer”

  3. Your notice of cancellation for basic health insurance must have reached the insurer. The postmark does not count.

    Source: Art. 7 para. 2 KVG

  4. Last day to switch to a higher deductible for 2027.

    Source: Art. 94 para. 1 KVV