Health insurance · Source-backed planning

Swiss health insurance review: compare premiums carefully

Start with the cover you actually have, compare like-for-like basic insurance quotes and keep supplementary insurance separate. A lower monthly premium alone does not establish that a change suits your situation.

Your working checklist

Tick items for this visit or print a copy. This public checklist does not save your answers.

1. Read your current policyRecord the premium, deductible, model and accident-cover status. Separate basic insurance from any supplementary policy before considering a change.
2. Compare equivalent inputs in PriminfoUse the correct premium year, location and person details. Check model restrictions and the coverage assumptions behind each result.
3. Put the premium difference in perspectiveUse the calculator below for the annual premium difference only. Assess deductible exposure, co-payments, access rules and your cash buffer separately.
4. Check the actual cancellation routeFOPH's switching FAQ explains that receipt by the insurer matters for notice. Verify the current deadline and your own circumstances, and retain proof of submission rather than relying on a posting date.
5. Confirm the change is completeTrack the new insurer's confirmation and any unresolved conditions. Supplementary insurance has a different contractual process; do not treat a basic-insurance comparison as a decision about supplementary cover.

Private calculator

What is the annual premium difference?

Use comparable monthly basic-insurance premiums. The example values are editable assumptions, not market quotes.

Formula: (current monthly premium − alternative monthly premium) × 12. This excludes deductible, co-payments, medical costs and any supplementary cover. Inputs are not transmitted or saved.

Keep the decision independent

This page contains official resource links and no paid ranking. The calculator compares numbers you enter; it is not a provider recommendation or a statement that switching is possible for you.

Evidence and scope

Check the official source

Sources consulted on 23 October 2026. Follow the responsible authority for current requirements and individual decisions. CH/OS provides educational planning support, not legal, tax, insurance or investment advice.

Swiss health insurance review: compare premiums carefully

Your working checklist

What is the annual premium difference?

Keep the decision independent

Check the official source

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