How we calculate

Data sources

Every figure on this website comes from a source in our source register and visibly states its source and date.

We only show a new year’s premiums once the FOPH has published them; for 2027 that is on 29.09.2026 at 14:00.

Premium calculator

The calculator shows all health insurers and insurance models approved for your premium region, age group, deductible and accident cover. The default sort order is by monthly premium, in ascending order. No insurer is hidden, and no position is paid for. We will document the complete calculation logic here when the calculator launches.

Total cost

The premium is only one part. We calculate per year:

Total cost = monthly premium × 12 + deductible share + retention fee

• Deductible share: your medical costs up to the amount of the deductible you have chosen.
• Retention fee: 10 % of the costs above the deductible, for adults up to CHF 700 per year, for children up to CHF 350 (Art. 64 para. 2 HIA, Art. 103 para. 2 KVV).

Worked example (assumed premium CHF 330 per month, deductible CHF 2,500, medical costs CHF 3,000): 330 × 12 = CHF 3,960; deductible share CHF 2,500; retention fee 10 % of CHF 500 = CHF 50. Total CHF 6,510 per year.

We calculate three scenarios: healthy (CHF 500 medical costs), medium (CHF 3,000) and high (CHF 15,000).

Quality gates

Before new data goes live, we check it automatically: complete regions and age groups, plausible changes compared with the previous year, no duplicate entries, and the number of insurers matched against the number of insured persons. If a gate fails, the previous data remains visible, with a note on its date.

Insurers’ key figures

To be added with the insurer profiles: which key figures we show (for example solvency, reserves, administrative costs), where they come from and how up to date they are.

Benefits comparison

This is how we compare supplementary insurance in the benefits overlay and on the product pages: we read the insurers’ GTC and supplementary conditions, transfer each benefit into a uniform grid with its reference (document, page, section, verbatim quote) and use this to calculate a coverage level for each area. The tables below are generated directly from our data.

Needs check

This is how the recommendations in the needs check are produced: which questions we ask (no health questions), how we derive the insurance model and deductible for basic health insurance from them and how we put together combinations of supplementary insurance. The tables below are generated directly from the rules in the code.

Premium subsidies (subsidy check)

The subsidy check is an indicative initial assessment, not a commitment. Only the written decision of the cantonal office is binding.

• Rules per canton: for each canton we keep a separate rules file with the formula, reference premiums, definition of income, asset rules, deadlines and the office where you apply. It is based on the synopsis of cantonal premium subsidy systems 2026 published by the Swiss Conference of the Cantonal Ministers of Public Health (GDK) and on the website of the cantonal office, each with page number or date accessed. Cantons without a reviewed rules file are shown with “data to follow” and a link to the official office.
• Your inputs: household (adults, young adults in education, children), income and assets according to your latest tax assessment and, for cantons with several premium regions, the region. Your inputs stay in your browser.
• Relevant income: we recalculate it as the canton defines it, as far as this is possible with these details: for example the share of assets taken into account (Aargau 20 % of taxable assets, Zurich 10 % above the tax-free allowance), income deductions per household type and asset ceilings. We do not know add-backs from your tax return (such as pillar 3a contributions or purchases into your pension fund); that is why the result is an indication.
• Formula: depending on the canton, a percentage model (sum of the reference premiums minus a percentage of relevant income), a tiered model (fixed amount per income bracket) or an income threshold with a flat-rate amount. Where the canton specifies a minimum entitlement for children and young adults in education (federal law: at least 80 % and 50 % respectively for lower and middle incomes, Art. 65 para. 1bis HIA), we calculate at least this amount.
• Range: we also calculate with your income 10 % lower and 10 % higher. This shows you how sensitive the result is. If you do not know your premium region, we show the range across all regions of the canton.
• Rating: “likely” if an amount remains even with 10 % higher income; “possible” if only part of the range results in an amount; “unlikely” if no part of the range results in an amount or if assets exceed the ceiling; “unknown” if the canton does not publish a formula that can be recalculated.
• Updates: the GDK synopsis is published each spring; the cantons usually set the values for the following year in the autumn. Each rules file states its entitlement year and date.

Deductible break-even

The deductible calculator compares all deductibles of a tariff using the premiums approved by the FOPH for your municipality, the same figures as in the premium calculator.

• Annual cost: 12 × monthly premium + deductible + 10 % retention fee on costs above the deductible, up to CHF 700, for children CHF 350 (Art. 64 HIA, Art. 103 KVV). We calculate it for healthcare costs from CHF 0 to 20,000 per year.
• Break-even: the level of healthcare costs at which two neighbouring deductibles cost the same. Below it, the higher deductible is cheaper; above it, the lower one. We calculate this point exactly from the premium difference: the additional cost of the higher deductible rises by 90 centimes per franc between the two deductibles, then stays the same until the lower deductible reaches the retention fee cap, and afterwards rises by 10 centimes per franc up to the full difference.
• Recommendation: the deductible with the lowest annual cost for the healthcare costs you select; if two are equal, the lower one. We also show in which cost ranges which deductible is cheapest, how much more you pay in the worst case (CHF 20,000 costs) compared with the standard deductible and how much you must be able to pay yourself if you fall ill.
• 70 % limit: the discount for an optional deductible may not exceed 70 % of the additional risk taken on (Art. 95 para. 2bis KVV), so for CHF 2,500 at most CHF 1,540 per year. If an insurer grants this maximum discount, the break-even between the CHF 300 and CHF 2,500 deductibles is at around CHF 2,011 of healthcare costs. For each tariff we show the actual discount next to the permitted maximum.
• Not included: the hospital contribution of CHF 15 per day (Art. 64 para. 5 HIA, Art. 104 KVV); it depends on the number of days in hospital and is the same for all deductibles. The recommendation is a calculation, not advice.

Change log

Corrections

Have you found an error? Write to to be added. We check every report, correct confirmed errors as quickly as possible and record them in the change log above.