What it costs, for someone like you

«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.

• Health insurance as a studentLittle income, few medical costs, and a premium that still weighs despite the young-adult rate. This is where a high deductible defends itself best.CHF 149.80 / month — Zug
• Health insurance in your first jobFirst salary, first budget, and a premium that jumps at 26. That step can be prepared for.CHF 142.30 / month — Zug
• Health insurance for a family of fourFour premiums, two adult deductibles, two children’s: this is where the gap between insurers runs into thousands of francs.CHF 701.60 / month — Zug
• Health insurance when self-employedNo employer, so no LAA and no daily allowance: the entire cover rests on your own decisions.CHF 207.40 / month — Zug
• Health insurance in retirementMedical costs rise, income falls, and the high deductible stops paying off. This is where comparing returns the most.CHF 670.20 / month — Zug
• Health insurance when arriving in SwitzerlandThree months to choose, retroactive effect to the day you arrived, and no insurer that may refuse you.CHF 335.10 / month — Zug
• Health insurance for a childA child must be insured from birth, and their premium has nothing in common with an adult’s. Here is what it actually costs, canton by canton.CHF 33.50 / month — Zug
• Health insurance during an apprenticeshipAn apprentice has an employer, so accident cover — and a modest wage, so rarely the means to front a high deductible.CHF 229.50 / month — Zug
• Health insurance when you are out of workLosing your job does not suspend the duty to be insured. But two things change, and one of them lowers the premium.CHF 196.00 / month — Zug
• Health insurance for twoNothing obliges a couple to pick the same insurer. It is rarely even the better sum — and the gap runs into hundreds of francs.CHF 392.00 / month — Zug
• Health insurance as a cross-border workerWorking in Switzerland and living across the border opens a choice no one else gets — and one that generally cannot be revisited.CHF 317.30 / month — Zug
• Health insurance after retirementPremiums do not rise with age after 26: that misconception is remarkably persistent. What changes is how you use your deductible.CHF 324.10 / month — Zug

The amounts are the lowest premium found in the canton, across all models, for the composition above. A canton’s lowest premium sits in one specific premium region: your municipality may belong to another. The comparator gives the exact figure for your postcode. When a household has several insured people, each is placed with the insurer cheapest for them: the right-hand column may therefore name two, and nothing requires a family to choose the same insurer for everyone.