Switzerland’s biggest health insurance comparison site

Whether it’s for you or your family, find the right health insurance in 2024. You can calculate premiums on Comparis and request several non-binding quotes via our brokerage partner Optimatis.
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    Here’s how it works

    Why Comparis can help you find the right health insurance deal

    Large selection

    Take advantage of Switzerland’s best-known health insurance comparison tool.

    Huge potential savings

    Compare benefits and premiums and find affordable health insurance.

    Quick and easy quotes

    Request multiple quotes through our brokerage partner Optimatis – free of charge and non-binding.

    Large selection

    Take advantage of Switzerland’s best-known health insurance comparison tool.

    Huge potential savings

    Compare benefits and premiums and find affordable health insurance.

    Quick and easy quotes

    Request multiple quotes through our brokerage partner Optimatis – free of charge and non-binding.

    The best health insurance for every life situation

    Your essential guide to health insurance

    All the information you need at a glance

     

    Deductible

    The coinsurance and the deductible are the out-of-pocket expenses that a policyholder must pay for their health insurance. Find out which deductible is a good choice for you.

    Coinsurance

    You have to pay a coinsurance amount of 10% for every treatment or service you claim that is covered by basic insurance.

    Health insurance premiums

    Discover the latest about health insurance premiums.

    Supplemental insurance

    Supplemental insurance provides valuable cover to complement basic insurance. Examples include: dental care, glasses, treatment abroad, fitness, semi-private or private hospital cover.

    Switching health insurance

    Answers to key questions on switching insurance

    COMPARIS SERVICE

    Cancellation letter template

    Find health insurance in five steps

    Basic health insurance is compulsory for anyone living in Switzerland. The benefits covered by basic insurance are defined in the Health Insurance Act and are the same for all health insurers. Supplemental insurance is optional and the benefits vary.

    It is possible to take out basic and supplemental insurance with different providers. Learn more about taking out basic and supplemental insurance separately.

    Prices vary from one insurer to another. It's worth comparing.

    Calculate premiums


    The premium price varies depending on your age and place of residence. The deductible amount and basic insurance model also make a difference. Choose your deductible and your preferred health insurance model

    If your annual medical expenses are less than CHF 2,000, it’s worth opting for a deductible of CHF 2,500. Otherwise, you are better off with the CHF 300 deductible.

    We will display suitable deals in your personal result list. Select your current cover on the left-hand side and discover how much you could save.

    Which supplemental insurance makes sense depends on your personal requirements. Compare multiple quotes to find the deal that’s right for you. Possible supplemental insurance products include:

    Make your choice with no hassle and no obligation, and order multiple quotes free of charge. Our brokerage partner Optimatis handles the quote requests and forwards your information to health insurers. You will then receive your quotes either directly from the health insurance companies or from Optimatis.

    You can cancel your basic insurance every year as long as you do so by the end of November. Here you can find a cancellation letter template. Sign up for our cancellation reminder so you don’t miss the notice period.

    The cancellation deadlines for supplemental insurance vary depending on the health insurer. They are usually three to six months before the end of the year. Don’t cancel your current policy until you have received confirmation that you’ve been accepted by the new insurer.

    The basic insurance comparison contains products from providers that accept quote/contact requests from Optimatis, as well as products from providers that do not accept quote/contact requests from Optimatis. The providers included in the basic insurance comparison use the interface offered by Comparis, or have published data that Comparis can access through the following service providers: FOPH (German abbreviation: BAG).

    The supplemental insurance comparison contains products from providers that accept quote/contact requests from Optimatis, and/or products from providers that do not accept quote/contact requests from Optimatis. The providers in this comparison tool use the interface offered by Comparis.

    In the basic insurance comparison filter, "standard view" shows the cheapest premium for the respective user. This applies regardless of whether the relevant health insurance company cooperates with Comparis or not. In addition, the premium for your own current health insurance company will be shown (as long as their name was entered previously) as well as the premiums for all health insurance companies that have product information available through cooperation with Comparis. In the "advanced view" filter view, all premiums are displayed regardless of whether the user works with Comparis.

    The supplementary insurance comparison shows all premiums from providers who use the interface offered by Comparis.

    The search results are ranked according to objectively measurable criteria, corresponding to the selected filter. Results exempted from this order are clearly marked as “Advertisement”. Further details on the insurers (text in blue flags) are defined by these insurers in exchange for payment, but have no influence on the ranking.

    Notification of premiums

    Health insurance premiums change every year. Sign up to be notified of the new premiums and stay up to speed.

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    The best health insurance compared

    Find the right health insurance for you – thanks to the best-known health insurance comparison service for basic and supplemental insurance in Switzerland.

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    FAQs on comparing health insurance

    Health insurance premiums differ depending on place of residence, health insurer, model, deductible and the insured person’s age. Compare basic insurance premiums according to your situation and find the cheapest health insurance. Go to the premium calculator

    You can switch basic health insurance every year. The deadline for changing health insurance or cancelling the policy is 30 November. There is no need to notify insurers of any pre-existing conditions. This means a health declaration is not necessary.

    However, you do have to fill in a health questionnaire if you want to switch supplemental insurance. Having a pre-existing condition does not necessarily mean you will be rejected though. Depending on how long ago it was or when it was treated, you may still be accepted. At most, the pre-existing condition will be excluded from the cover.

    Being rejected for supplemental insurance can have a negative effect on future applications. To avoid this, you can take the supplemental insurance acceptance test.

    Always remember to wait for the new insurer to confirm your acceptance for supplemental insurance before cancelling your current policy.

    In accordance with the Accident Insurance Act (UVG/LAA), persons employed at least eight hours per week by a single employer or registered with their regional employment centre (RAV/ORP) are automatically insured against accidents.

    Even if you have accident insurance through your employer, you may wish to add this cover to your supplemental insurance policy if you want benefits such as alternative medicine or better hospital cover following an accident.

    All basic health insurance policies cover in-patient treatment and examinations in hospitals in a general ward in the canton of residence. However, if you want to be treated in a hospital in another canton or would prefer a higher level of quality and comfort, you can take out supplemental hospital insurance. More information about supplemental hospital insurance.

    You do not necessarily have to take out basic and supplemental insurance with the same insurer. However, having separate insurance policies may incur administration fees.

    You may also lose out on special deals, such as family or collective discounts. Read these tips on taking out basic and supplemental insurance with different providers.

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