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Basic health insurance (KVG/LAMal)

Swiss health insurance premiums 2027: every insurer, every deductible

The monthly premiums approved by the Federal Office of Public Health, for every insurer active in your municipality. Enter your postcode and year of birth: the table shows each insurer's premium for every deductible.

Your situation

Anyone employed at least 8 hours a week by the same employer is insured against accidents through the employer and can leave this cover out.

4 digits, for example 8004

For example 1985. The age group depends on the age reached during the year.

What about your supplementary insurance?

Basic insurance is the same everywhere. Supplementary insurance is not: glasses, dental care, alternative medicine and hospital cover differ widely between insurers. Compare what each insurer reimburses for your household.

Compare supplementary insurance

2027 premiums at a glance

According to the FOPH, the average monthly basic insurance premium is CHF 412 in 2027, 5.0% more than in 2026: CHF 487.60 for adults, CHF 338.80 for young adults and CHF 128.10 for children. Your premium depends on your insurer, municipality, deductible and model: the form at the top of the page gives yours.

What changes the premium

  • Where you live

    Each insurer sets its premiums by canton and, in cantons with more than one, by premium region. The regions are set, municipality by municipality, by the FDHA ordinance on premium regions.

  • Age

    The law distinguishes three age groups: children up to 18, young adults from 19 to 25 and adults from 26. The benefits are the same for everyone; only the premium changes.

  • The deductible

    A higher deductible lowers the premium, but you pay your own costs up to that amount each year, then a 10% co-payment. The ordinary deductible is CHF 300 for adults and CHF 0 for children.

  • The model

    With a family doctor, HMO or telemedicine model, you agree to contact a designated first point of contact, in return for a lower premium. The benefits reimbursed remain those of basic insurance.

Switching insurer

Basic insurance benefits are the same with every insurer. Once the new premium has been announced, you can switch insurer from 1 January by cancelling by 30 November at the latest; the letter must reach the insurer in time.

Our guides on premiums and switching insurer

Sources

Data imported on 29.09.2026.

Monthly premiums in Swiss francs, as approved, before any individual premium reduction. This page reproduces public data; it is not personal advice.