Basic insurance comparison

Compare health insurance using the premiums for 2019

  • Compare all health insurers quickly and easily
  • Make informed decisions – Comparis is neutral and independent
  • Reap the rewards by saving up to 1,020 francs per year

Basic insurance data

Postcode finder
New to Switzerland?
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Current family doctor
If you want to remain with your current family doctor, enter the name here (first name, last name). You will then see the products that include your current family doctor on the results page.

Personal data

Person 1

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Year of birth

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

The Health Insurance Act (KVG) specifies three age groups for basic insurance:

  • Children (up to age 18)
  • Young adults (aged 19 to 25)
  • Adults (aged 26 and over)

Insurers are legally required to define lower premiums for children. For young adults, the insurance companies may offer reduced premiums, but they do not have to. The change from one age category to the next happens after the policyholder's 18th and 25th birthday, respectively, taking effect on 1 January of the following year.

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Deductible

When health insurance benefits are claimed, the policyholder must pay part of the cost out of pocket. These out-of-pocked expenses include an amount specified in advance (deductible; referred to as franchise in Switzerland) along with an additional coinsurance of 10 per cent. The deductible must only be paid once per calendar year.

The list of options only shows the deductible levels actually offered by the health insurer in question.


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Accident cover

Persons employed for at least 8 hours per week with the same employer are automatically insured against accidents through this employer (Accident Insurance Act – UVG). They can therefore exclude accident coverage from health insurance without worry.

All inactive policyholders, children and self-employed individuals must take out accident coverage with a health insurance provider or a private accident insurance provider.

Person 2 (optional)

More information
Year of birth

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

The Health Insurance Act (KVG) specifies three age groups for basic insurance:

  • Children (up to age 18)
  • Young adults (aged 19 to 25)
  • Adults (aged 26 and over)

Insurers are legally required to define lower premiums for children. For young adults, the insurance companies may offer reduced premiums, but they do not have to. The change from one age category to the next happens after the policyholder's 18th and 25th birthday, respectively, taking effect on 1 January of the following year.

More information
Deductible

When health insurance benefits are claimed, the policyholder must pay part of the cost out of pocket. These out-of-pocked expenses include an amount specified in advance (deductible; referred to as franchise in Switzerland) along with an additional coinsurance of 10 per cent. The deductible must only be paid once per calendar year.

The list of options only shows the deductible levels actually offered by the health insurer in question.


More information
Accident cover

Persons employed for at least 8 hours per week with the same employer are automatically insured against accidents through this employer (Accident Insurance Act – UVG). They can therefore exclude accident coverage from health insurance without worry.

All inactive policyholders, children and self-employed individuals must take out accident coverage with a health insurance provider or a private accident insurance provider.

Cancellation reminder for 2019

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Selection of models and display modes

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Comparison of models
Standard basic insurance

All health insurance companies offer the standard basic insurance. The benefits are the same with all providers and there is free choice of physicians.

Alternative insurance models

The alternative insurance models include the HMO model, family doctor model, Telmed model and other models. Policyholders benefit from premium reductions of up to 25 per cent on mandatory health insurance compared to standard basic insurance.

You can select your current insurance model on the next page (results page).

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Display of results
Standard view:
  • your current health insurance company and the corresponding customer satisfaction score
  • the cheapest and the most expensive standard basic insurance (if selected)
  • the cheapest alternative insurance model (if selected)
  • products for which you can request a quote via comparis.ch
Full view:
  • products and customer satisfaction scores of all insurance companies