أرخص تأمين صحي
هناك إجابة، لكنها تصح في 26 حالة فقط من أصل 42. إليك من هو الأرخص، وأين، وما يضمنه لك القانون قبل أن تسأل.
الإجابة القصيرة، ولماذا لا تكفي
Agrisano has the lowest premium in 26 of Switzerland's 42 tariff zones — 61.9 % of the country.
But 9 different insurers are cheapest in at least one zone. Put another way: for one person in three the answer above is wrong — their commune decides, not the Swiss average.
لا يحق لأي شركة تأمين رفضك
« Within the limits of their operating area, insurers must accept any person required to take out compulsory health insurance (basic insurance). »
« They may not impose any reservation or waiting period, regardless of the age and state of health of the person to be insured. »
« Insured persons may choose freely among the insurers active in their place of residence. »
Those are the FOPH's words. The only limit is the operating area: an insurer need not operate everywhere, but where it does, it accepts you — whatever your age or state of health. Which ones operate in YOUR commune is exactly what the comparator at the foot of this page answers. One caveat: this guarantee covers basic insurance only. Supplementary policies may refuse, and some insurers reserve theirs for a particular public.
الأرخص في كل كانتون
| الكانتون | الأرخص | القسط | المناطق | Different answers |
|---|---|---|---|---|
| تسوغ | Agrisano | CHF 335.10 | 1 | 1 |
| أبنتسل إينرهودن | Agrisano | CHF 353.50 | 1 | 1 |
| أوري | Agrisano | CHF 376.60 | 1 | 1 |
| أوبفالدن | Agrisano | CHF 382.80 | 1 | 1 |
| نيدفالدن | Agrisano | CHF 385.40 | 1 | 1 |
| شفيتس | Agrisano | CHF 400.20 | 1 | 1 |
| سانت غالن | Agrisano | CHF 401.60 | 3 | 2 |
| غراوبوندن | vita surselva | CHF 404.70 | 3 | 3 |
| فاليه | Agrisano | CHF 406.30 | 2 | 2 |
| أبنتسل أوسرهودن | Agrisano | CHF 412.30 | 1 | 1 |
| لوتسرن | Agrisano | CHF 414.30 | 3 | 2 |
| زيورخ | Agrisano | CHF 427.80 | 3 | 2 |
| تورغاو | Agrisano | CHF 429.70 | 1 | 1 |
| غلاروس | Agrisano | CHF 433.20 | 1 | 1 |
| شافهاوزن | Agrisano | CHF 433.80 | 2 | 2 |
| برن | Agrisano | CHF 447.50 | 3 | 2 |
| فريبورغ | Agrisano | CHF 450.00 | 2 | 2 |
| آرغاو | Agrisano | CHF 453.80 | 1 | 1 |
| زولوتورن | Agrisano | CHF 486.20 | 1 | 1 |
| بازل الريفية | Agrisano | CHF 494.80 | 2 | 2 |
| فو | Assura-Basis | CHF 537.30 | 2 | 2 |
| تيتشينو | Agrisano | CHF 539.00 | 2 | 1 |
| جورا | Agrisano | CHF 543.10 | 1 | 1 |
| نوشاتيل | Visana | CHF 554.20 | 1 | 1 |
| بازل المدينة | CSS | CHF 575.90 | 1 | 1 |
| جنيف | Assura-Basis | CHF 604.30 | 1 | 1 |
شركات التأمين التي تفوز بمنطقة واحدة على الأقل
A tariff zone is a canton + premium region pair: the unit at which a premium actually exists. The number of communes shows the real weight of each win.
| الأرخص | Zones won | Communes covered | Its lowest premium |
|---|---|---|---|
| Agrisano | 26 | 1345 | CHF 335.10 |
| Atupri | 4 | 176 | CHF 451.60 |
| Sanitas | 3 | 44 | CHF 453.60 |
| Visana | 3 | 251 | CHF 493.60 |
| Assura-Basis | 2 | 228 | CHF 537.30 |
| vita surselva | 1 | 40 | CHF 404.70 |
| ÖKK | 1 | 2 | CHF 480.30 |
| Vivao Sympany | 1 | 25 | CHF 501.10 |
| CSS | 1 | 3 | CHF 575.90 |
The insurers present across most of the country
Ranking every insurer by average premium would push up regional funds present in a single canton — their average is not about the same Switzerland. This table keeps only those present in 20 cantons or more.
| الأرخص | Cantons | Average premium | Its lowest premium |
|---|---|---|---|
| Agrisano | 26 | CHF 498.71 | CHF 335.10 |
| Sumiswalder | 21 | CHF 507.77 | CHF 408.10 |
| ÖKK | 26 | CHF 517.46 | CHF 367.20 |
| Helsana | 26 | CHF 519.28 | CHF 365.50 |
| Atupri | 26 | CHF 521.02 | CHF 367.40 |
| CONCORDIA | 26 | CHF 521.24 | CHF 335.70 |
| Vivao Sympany | 26 | CHF 521.81 | CHF 345.00 |
| CSS | 26 | CHF 525.42 | CHF 361.70 |
| Sanitas | 26 | CHF 526.54 | CHF 354.20 |
| SLKK | 21 | CHF 527.23 | CHF 343.20 |
| Assura-Basis | 26 | CHF 532.26 | CHF 371.70 |
| KPT | 26 | CHF 532.49 | CHF 346.50 |
| SWICA | 26 | CHF 535.70 | CHF 361.60 |
| Aquilana | 26 | CHF 540.41 | CHF 378.00 |
| EGK | 26 | CHF 546.44 | CHF 395.80 |
| Galenos | 26 | CHF 548.26 | CHF 360.70 |
| Visana | 26 | CHF 549.20 | CHF 340.70 |
| Avenir | 26 | CHF 549.92 | CHF 360.40 |
| Mutuel | 26 | CHF 552.61 | CHF 364.00 |
| Philos | 26 | CHF 559.12 | CHF 385.70 |
| sana24 | 26 | CHF 563.42 | CHF 370.30 |
| vita surselva | 26 | CHF 564.41 | CHF 404.70 |
| rhenusana | 26 | CHF 564.60 | CHF 429.30 |
ما لا يقوله هذا الترتيب
Every figure on this page covers one profile: adult, CHF 300 deductible, accident included, cheapest model available. Change the deductible or the age and the order changes. That is why the page ends with a comparator rather than a final ranking.
المصادر
- OFSP — Primes et coûts : réponses aux questions fréquentes
- Priminfo — primes officielles de l’assurance obligatoire des soins
Official FOPH premiums, reproduced unchanged. Quotations: FOPH, "Premiums and costs: answers to frequently asked questions", accessed 25 August 2026. 2026