Health insurance comparison 2025

Health insurance premiums differ depending on your place of residence, health insurer, model, deductible and age. Compare basic insurance premiums according to your situation and find the cheapest health insurance option for you.

Mandatory health insurance

You can usually change your basic insurance every year. The deadline for changing your health insurance or cancelling the policy is 30 November. Important: if 30 November falls on a weekend, the health insurer must receive the cancellation notice on the Friday before.

Health insurers must accept new policyholders regardless of their health situation. You therefore do not have to provide any information about pre-existing conditions.

Supplemental insurance

Supplemental insurance usually requires you to answer a health questionnaire. Having a pre-existing condition does not necessarily mean you will be rejected. At most, the pre-existing condition will be excluded from the cover.

Important: if you are switching to a new health insurer, do not cancel your old supplemental insurance until you have received confirmation of acceptance from the new health insurer.

For further information, see our article on taking out supplemental insurance.

Health insurance premiums for basic insurance rose by 6% on average in 2025. This was already the third major premiums increase in a row.

You can absorb the increase in costs in the best possible way by choosing your health insurance company, deductible and insurance model.

That's why it's important to make the most of your savings potential and compare health insurance companies.

The average monthly premium in 2025 is 378.70 francs.

The average premium is calculated by dividing the total of all premiums paid in Switzerland by the number of insured persons.

However, the actual premiums differ—sometimes greatly—depending on your age, place of residence, deductible and insurance model.

On average, premiums for 2025 are highest in the cantons of Geneva, Ticino and Basel-Stadt.

The cantons of Appenzell Innerrhoden, Uri and Obwalden have the lowest average premiums in 2025.

The answer to the question of the best health insurance depends on your personal needs. Health insurers offer a range of benefits. However, health insurers provide the same benefits in each of their basic insurance policies.

The Comparis Quality Label shows customer satisfaction

The Comparis Label provides an important indication of customer satisfaction. In this context, we survey 4,500 policyholders every year about their satisfaction with their health insurance.

The following aspects are assessed:

• Value for money

• Touchpoints and contact

• Quality and service

• Information and transparency

The survey participants then award ratings for each characteristic. An overall rating is calculated from this. The best health insurers according to the survey are awarded a seal.

The result of the customer satisfaction survey for basic insurance: best health insurer

In Switzerland, accident insurance. However, if you are employed for at least eight hours per week by a single employer or are registered with the regional employment centre, you will be automatically insured against accidents in accordance with the Accident Insurance Act (AIA). Everyone else must include accident cover in their basic insurance. There are also alternative solutions for the self-employed.

Additional accident cover via supplemental insurance can be useful, depending on your needs – even if you already have accident insurance through your employer.

All basic insurance policies cover in-patient treatment and examinations in a general ward in hospitals within your canton of residence. However, would you like to be treated in a hospital in another canton or would you prefer a higher level of quality and comfort? If so, you can take out supplemental hospital insurance. Further information about supplementary hospital insurance is available here.

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

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

You can find the cheapest health insurance premium by comparing different providers. You can do this, for example, using the Comparis health insurance comparison.

However, you can also save money by making adjustments to your health insurance policies. If you choose an alternative insurance model and a high deductible, you will pay less each month.