Health insurance 2026: find your cheapest deductible

How the calculation works

1. 1Premiums: every approved offer for your premium region, age group and accident cover, from the official FOPH data.
2. 2Out-of-pocket costs: your deductible plus the 10% co-payment (capped at CHF 700 a year for adults, CHF 350 for children), based on the medical costs you expect.
3. 3Total cost = 12 × premium + out-of-pocket costs. The lowest total wins — not the lowest premium.

Good to know

• Basic insurance must accept everyone, with no health questions — and the cover is identical at every insurer.
• The highest deductible (CHF 2'500) usually pays off if you expect few medical costs; with regular treatment a low deductible is often cheaper. The calculator shows where your break-even lies.
• Family-doctor, HMO and telemedicine models cost less because you first contact a set point of care (emergencies excepted).
• Supplementary insurance is separate: it has its own notice periods and may ask health questions. Don't cancel it before a new insurer has accepted you.

Deadlines

• 30 November: your notice (to switch insurer or lower your deductible) must reach your current insurer. Send it by registered mail.
• 31 December: last day to raise your deductible for next year.