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Comparing health insurers for 2025

Calculate premiums with the largest health insurance comparison tool in Switzerland and save money – up to over 3,500 francs per year. Compare health insurance premiums in 2025 with Comparis and request non-binding quotes via our brokerage partner Optimatis.

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    Here’s how it works

    Premium calculator: Find the right health insurance with Comparis

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    Make the most of Switzerland’s well-known health insurance comparison tool.

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    Huge potential savings

    Compare benefits and premiums, and find affordable health insurance.

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    Quick and easy quotes

    Request multiple quotes via our brokerage partner Optimatis – free of charge and with no obligation.

    A magnifying glass over a doctor’s case.

    Large selection

    Make the most of Switzerland’s well-known health insurance comparison tool.

    Piggy bank

    Huge potential savings

    Compare benefits and premiums, and find affordable health insurance.

    A laptop, a tablet and a smartphone with a green tick.

    Quick and easy quotes

    Request multiple quotes via our brokerage partner Optimatis – free of charge and with no obligation.

    Get informed first – then calculate health insurance premiums

    Your essential guide to health insurance

    All the information you need at a glance

     

    Deductible

    The deductible and coinsurance 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 coinsurance for every treatment or service you use that is covered by basic insurance. It amounts to 10% of the total cost.

    Health insurance premiums

    Discover the latest about health insurance premiums.

    Supplemental insurance

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

    Switching health insurance

    Answers to key questions on switching health insurance.
    Stylized icon for a cancellation letter.

    COMPARIS SERVICE

    Cancellation letter for basic insurance

    Find health insurance in Switzerland in just a few steps

    A basic insurance policy is compulsory for anyone living in Switzerland. Basic insurance benefits are defined in the Health Insurance Act (HIA) and are the same irrespective of health insurer. Supplemental insurance, on the other hand, is optional and the benefits vary.

    You can 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 the options.

    Compare premiums now

    The cost of your premiums varies depending on your age and place of residence. Your chosen deductible and basic insurance model also make a difference. Choose your deductible and your preferred health insurance model

    If your healthcare costs are less than 2,000 francs, a deductible of 2,500 francs is worthwhile. Otherwise, you’re better off with the 300-franc deductible.

    We’ll display suitable deals in your personal results 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:

    Request multiple quotes free of charge so you can make your choice – hassle-free and with no obligation. Our brokerage partner Optimatis handles quote requests and forwards your information to health insurers. You’ll then receive your quotes either directly from the health insurers or from Optimatis.

    You can cancel your basic insurance every year as long as you do so by the end of November. Here’s a cancellation letter template you can use. You can also sign up for a cancellation reminder so you won’t miss the cancellation deadline.

    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 tool contains products (premiums) from providers (health insurers) that have been approved by the Federal Office of Public Health (FOPH).

    The supplemental insurance comparison tool 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 listed in this comparison tool use the interface offered by Optimatis.

    In the “standard view”, Comparis shows products from providers that accept quote/contact requests from Optimatis, as well as the cheapest and the most expensive product. In the “detailed view”, Comparis shows all products approved by the FOPH (basic insurance comparison) or all premiums from providers who use the interface offered by Optimatis (supplementary insurance comparison).

    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.

    The information on the availability of family doctors is based on the data from Medswissnet, the Swiss umbrella organization of doctors’ networks. The data only includes doctors affiliated with the association and may differ from the family doctor directory used by health insurers.

    Premium alert

    Health insurance premiums change every year. Stay informed and sign up for the alert.

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    The best health insurance options compared

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

    Other health insurers

    FAQs on comparing health insurance

    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. Calculate premiums

    Compulsory health insurance

    You can switch basic insurance every year. The deadline for changing your health insurance or cancelling the policy is 30 November.

    Health insurers must accept new policyholders regardless of their health situation. So, you don’t have to provide information about pre-existing conditions.

    Supplemental insurance

    For supplemental insurance, it’s usually necessary to answer a health questionnaire. Having a pre-existing condition does not necessarily mean you will be rejected though. However, the pre-existing condition will likely be excluded from the cover.

    Always remember to wait for the new insurer to confirm your admission for the new supplemental insurance policy before cancelling your current policy. Otherwise, you risk having double insurance.

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

    Health insurance premiums for basic insurance will increase by an average of 6% in 2025. This is already the third major premium increase in a row.

    You can mitigate this cost increase by choosing the right combination of health insurer, deductible and insurance model.

    That’s why it is important that you use your savings potential and compare health insurance options.

    The average monthly premium in 2025 is 378.70 francs.

    The average premium is the sum of all premiums paid in Switzerland – divided by the number of insured people.

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

    Calculate premiums for 2025

    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.

    Health insurers offer a range of benefits. Therefore, the best health insurance option for you depends on your personal preferences.

    The Comparis Label shows customer satisfaction

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

    The following aspects are evaluated:

    • Value for money

    • Touchpoints and contact

    • Quality and service

    • Information and transparency

    Best health insurer: see result

    In accordance with the Accident Insurance Act (AIA), anyone employed at least eight hours per week by a single employer or registered with their regional employment centre is automatically insured against accidents. Everyone else must include accident cover in their basic insurance.

    Additional accident coverage through supplemental insurance may be useful depending on your needs – even with existing accident insurance provided by the employer.

    All basic insurance policies cover in-patient treatment and examinations in hospitals in a general ward in your 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. Find out more about supplemental hospital insurance.

    You don’t necessarily have to take out basic and supplemental insurance with the same insurer. However, having separate insurance policies may incur administrative 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.