Official 2027 premiums · all 32 insurers
Same cover by law. Very different prices.
Basic health insurance is mandatory in Switzerland and pays for the same treatments at every insurer. Only the price differs. See what it costs where you live, in English.
Loading the official premium data.
Monthly premiums in Swiss francs for basic insurance, as approved by the Federal Office of Public Health for 2027. Children: premium for the first child. Premium reductions from your canton are not included.
Which franchise is cheapest for you?
A high franchise saves premium, a low one saves money when you are ill. Move the slider to what you expect to spend at doctors, hospitals and pharmacies in a year.
12 monthly premiumsYour own share of the bills
Click a row to use that franchise in the comparison above.
Your first 90 days
Enter the day you arrive and the list shows your real deadlines. Tick off what is done.
Within 14 days
Register with your commune
Go to the residents' office of the town you live in, within 14 days and before your first day of work. Bring your passport, your rental contract and your work contract. This is where your residence permit starts.
Within 3 months
Take out basic health insurance
Everyone living in Switzerland must be insured. You have three months, and the cover then applies back to your first day. You also pay the premiums back to that day, so waiting saves nothing. If you miss the deadline, cover starts only when you sign up and the insurer can add a surcharge.
When you sign up
Pick your franchise and model
Adults choose a franchise from CHF 300 to CHF 2,500, children from CHF 0 to CHF 600. The franchise check shows which one is cheapest for your situation.
If you are employed
Leave out the accident cover
From 8 hours a week with one employer you are insured against accidents through your job, also in your free time. Tell the insurer, and your premium drops.
Every autumn
Compare again
New premiums are published at the end of September. To switch on 1 January, your cancellation has to reach your current insurer by the last working day of November.
Soon: apply in English, right here
Today ExpatStart shows you the official prices and sends you to the insurer. We are preparing our registration as an insurance intermediary with FINMA. After that you can apply on this page, with help in English.
Questions newcomers ask
Is the cover really the same at every insurer?
Yes. The Health Insurance Act lists what basic insurance pays, and every insurer has to pay exactly that. Differences are the price, the service and the model you choose.
Can an insurer refuse me?
Not for basic insurance. Every insurer has to accept everyone who lives in its area, at any age and with any medical history, without health questions.
What about supplementary insurance?
Extras such as a private hospital room, dental care or alternative medicine are private contracts. There the insurer can ask health questions and say no. ExpatStart compares basic insurance only.
When can I switch insurer?
Every year on 1 January. Your cancellation has to reach the current insurer by the last working day of November. With the standard model and the CHF 300 franchise you can also switch on 30 June, with three months' notice.
Where do the numbers come from?
From the 2027 premium data set of the Federal Office of Public Health, which approves every premium. We do not estimate or round, and nobody can pay to appear or rank higher.
How does ExpatStart earn money?
Today it earns nothing. The comparison is free and links to the insurers without commission. Once we are registered as an intermediary, an insurer pays us a commission when you apply through us. This page will say so clearly, and the price list stays complete.