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No insurer controls us. Default sorting is by ascending price, and every insurer is shown.
Official FOPH data
Compare Swiss health premiums across all of Switzerland.
Sophie shows the official FOPH premiums for any Swiss municipality. Every insurer, sorted by price, with the gap between the cheapest and the market average in figures.
- 34
- insurers compared
- 2 114
- municipalities covered
- CHF 858
- median gap per year
Why you can trust us
Official FOPH data
Premiums come from priminfo.admin.ch and opendata.swiss. No other source, no estimates.
Hosted in Switzerland
Servers, database and email stay in Switzerland. No personal data leaves the country.
The gap nobody shows you
Every insurer sells exactly the same basic cover — the law defines it. Only the price differs. Here is by how much, computed on the 2026 premiums.
Against the most expensive insurer, the median gap rises to CHF 2'277 per year.
These amounts are recomputed with every FOPH publication. We quote no figure the database does not produce.
CHF 858
Median gap between the cheapest insurer and the market average, adult, CHF 300 deductible, across all 42 Swiss premium regions.
How it works
Four steps. You see the prices, then you decide whether we should handle the switch.
Choose
Health insurance or pillar 3a saving: the two tabs at the top of the page.
Fill in
Postcode, year of birth, deductible. Three fields, no account.
Compare
Every insurer available where you live, ranked by premium, with the yearly total.
Save
Switch yourself, or let our partner broker prepare the cancellation.
Our comparisons
What Sophie compares — and what she computes
Where the federal government publishes tariffs, we show and rank them. Elsewhere we compute what actually decides the choice — and we say why no price is shown.
Health insurance (LAMal)
The 2026 premiums of every approved insurer, municipality by municipality. Family doctor, HMO, telemedicine or free choice: each model with its real price, not an estimate.
Compare premiumsPillar 3a saving
Work out your tax deduction and what it comes to over 30 years. We do not rank contracts: no official register publishes their returns. The analysis comes from the broker.
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Liability, partial and full casco — with the calculation of when full casco stops being worth its price.
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Why you can trust us
No insurer controls us. Default sorting is by ascending price, and every insurer is shown.
Where our figures come from
- priminfo.admin.chPremiums and premium regions, FOPH
- opendata.swissLAMal premium dataset
- Federal Tax AdministrationPillar 3a deduction caps
- FINMA registerAuthorisation of our partner broker
Comparing Swiss health insurance premiums, with no middleman
Every autumn the Federal Office of Public Health announces the following year’s premiums, and every autumn the same finding returns: for identical cover, the gap between two insurers often exceeds a thousand francs a year for a single person. The health insurance act fixes the catalogue of basic benefits — it is the same at every insurer, without exception. What varies is the price, the premium region and the model chosen.
This comparison shows the official premiums for any of Switzerland’s 2,114 municipalities, in the country’s four languages. Every insurer available where you live appears, sorted by ascending premium, with its model and the yearly total. No insurer is hidden, none is promoted for a fee, and the default sort order is not up for negotiation.
The choice of model often weighs as much as the choice of insurer. Family doctor, HMO practice and telemedicine cut the premium in exchange for a compulsory first contact before any specialist consultation. The deductible works the other way: the higher it is, the lower the premium, but the more you pay yourself when treated. The comparison shows the effect of each combination, so the trade-off rests on amounts rather than on a hunch.
The Swiss third pillar: what the deduction really changes
The Swiss system rests on three pillars. The state pension and occupational scheme rarely cover more than 60 % of your final income. The third pillar closes the gap — and it does so with an immediate tax advantage, before returns even enter the conversation.
Pillar 3a is called “restricted”: the money stays locked until five years before retirement age, except to buy your main home, leave Switzerland for good, or become self-employed. In exchange, every franc paid in is fully deductible from taxable income, within the federal caps. Pillar 3b stays available at any time, with no contribution cap, but its deductibility is limited and varies from canton to canton.
What the deduction actually earns you depends on your marginal tax rate, which itself depends on your canton, your municipality, your income and your marital status. So we show a range and state what it rests on. A site that quotes you a single figure without knowing your municipality is telling you a story.