curaulta profile

The legal entity behind curaulta is “curaulta” (legal form: foundation, UID CHE-108.918.310), based in Vella. The FOPH register does not assign the insurer to any insurance group. The Federal Office of Public Health (FOPH) lists the insurer under number 820 in its register of approved health insurers, as of 01.01.2026. The register gives its area of operation as “GR”. In basic health insurance, curaulta must accept every person there who is required to take out insurance, without a health questionnaire, and the benefits are the same at every insurer under the Health Insurance Act (KVG/LAMal).

In the 2024 financial year, an average of 2,568 people had basic health insurance with curaulta. That is 0.0% of the 9,005,998 insured persons across all insurers. These figures come from the FOPH supervisory data (table T 5.01), which are published every year for all health insurers. Per insured person, the insurer took in an average of CHF 3,516 in premiums in 2024 and paid out CHF 4,099 in net benefits.

For 2026, curaulta has approved premiums in 1 of 26 cantons. In 2026, premiums are available in the canton of Graubünden. As the reference for the premium level, we use adults in the standard model with a CHF 300 deductible and accident cover. Across all of the insurer’s premium regions, this gives an index of 86.3, where 100 is the unweighted average of all insurers in the same regions. On average, the premiums are therefore 13.7% below the average.

Between 2011 and 2026, this reference premium at curaulta changed, on average across its own premium regions, from CHF 277.67 to CHF 465.17 per month (+67.5%). Over the same period, the average of all insurers in the same regions went from CHF 302.97 to CHF 538.60 (+77.8%). The chart further down shows the trend year by year.

In 2026, curaulta offers 2 model types: standard model (free choice of physicians) and GP and HMO models, with 2 tariffs in total, for example “casamed”. Models with a restricted choice of service provider often apply only in certain regions; the premium calculator for your municipality shows whether a tariff is offered where you live.

In 2024, administrative costs came to CHF 198 per insured person (all insurers: CHF 193). The claims ratio, i.e. net benefits in relation to premiums, was 116.6% (all insurers: 94.9%). Reserves amounted to CHF 4.2 million, or CHF 1,619 per insured person. In the KVG solvency test as of 01.01.2025, curaulta achieved a solvency ratio of 156%; the required minimum is 100%, while the figure for all insurers was 147%.

You cancel basic health insurance in writing. To switch on 1 January, your notice of cancellation must reach curaulta by 30 November (Art. 7 para. 2 HIA); the FOPH recommends sending it by registered mail by 15 November. The insurer’s website does not give a separate cancellation address; we show the general postal address, which you’ll find further down. Which insurer is cheaper for you depends on where you live, your age, your deductible and your model. This page shows official figures without rating; you can work out your personal premiums in the premium calculator.