Cross-border workers: Swiss premiums by country of residence

The FOPH publishes a Swiss basic-insurance premium for 30 countries of residence — a file nobody exposes. Only 14 insurers accept a member living outside Switzerland, against 34 inside it.

You may be paying twice for accident cover

You work in Switzerland: your employer insures you against accidents under the LAA. The "with accident" variant of basic insurance covers the same risk a second time. Every premium on these pages is therefore shown WITHOUT accident cover — the "accident surcharge" column shows what the redundant variant would cost.

Many insurers will never accept you

Only 14 insurers operate outside Switzerland, out of the 34 active inside it. This is not a personal refusal: those insurers simply have no operating area abroad. There is no point asking them for a quote.

The four neighbouring countries

Switzerland borders France, Germany, Italy and Austria: that is where cross-border work actually happens. Each has its own page with the full insurer table. Liechtenstein does not appear in the FOPH file.

FranceCHF 200.00 — CHF 823.1013 · Helsana GermanyCHF 227.90 — CHF 1'059.9013 · Vivao Sympany ItalyCHF 279.00 — CHF 487.2014 · Helsana AustriaCHF 299.40 — CHF 748.1013 · Mutuel

The 30 countries, 2026 premiums

Country of residence	Insurers	Cheapest	Median	Dearest	Gap per year	Cheapest insurer
Poland	12	CHF 83.70	CHF 207.90	CHF 422.30	CHF 4'063	CSS
Slovakia	12	CHF 102.30	CHF 207.90	CHF 548.90	CHF 5'359	CSS
Lithuania	12	CHF 111.60	CHF 207.90	CHF 422.30	CHF 3'728	CSS
Romania	12	CHF 111.60	CHF 207.90	CHF 422.30	CHF 3'728	CSS
Cyprus	12	CHF 139.50	CHF 227.90	CHF 422.30	CHF 3'394	CSS
Estonia	12	CHF 141.40	CHF 219.05	CHF 422.30	CHF 3'371	Assura-Basis
Latvia	12	CHF 141.40	CHF 207.90	CHF 422.30	CHF 3'371	Assura-Basis
Malta	12	CHF 141.40	CHF 233.55	CHF 506.70	CHF 4'384	Assura-Basis
Slovenia	12	CHF 141.40	CHF 219.05	CHF 422.30	CHF 3'371	Assura-Basis
Bulgaria	12	CHF 155.40	CHF 233.55	CHF 422.30	CHF 3'203	Assura-Basis
Czechia	12	CHF 155.40	CHF 219.05	CHF 422.30	CHF 3'203	Assura-Basis
Croatia	12	CHF 155.40	CHF 233.55	CHF 422.30	CHF 3'203	Assura-Basis
Greece	12	CHF 162.80	CHF 284.60	CHF 422.30	CHF 3'114	KPT
Hungary	12	CHF 194.40	CHF 238.90	CHF 344.10	CHF 1'796	Assura-Basis
France	13	CHF 200.00	CHF 489.30	CHF 823.10	CHF 7'477	Helsana
Germany	13	CHF 227.90	CHF 500.10	CHF 1'059.90	CHF 9'984	Vivao Sympany
Belgium	12	CHF 239.90	CHF 520.35	CHF 644.20	CHF 4'852	KPT
Portugal	13	CHF 248.40	CHF 307.90	CHF 576.40	CHF 3'936	Helsana
United Kingdom	13	CHF 265.10	CHF 474.90	CHF 681.50	CHF 4'997	KPT
Denmark	12	CHF 267.80	CHF 443.15	CHF 563.50	CHF 3'548	KPT
Norway	12	CHF 267.80	CHF 453.60	CHF 563.50	CHF 3'548	KPT
Italy	14	CHF 279.00	CHF 428.15	CHF 487.20	CHF 2'498	Helsana
Austria	13	CHF 299.40	CHF 447.40	CHF 748.10	CHF 5'384	Mutuel
Spain	13	CHF 299.40	CHF 391.70	CHF 529.50	CHF 2'761	Mutuel
Finland	12	CHF 299.40	CHF 437.80	CHF 563.50	CHF 3'169	Mutuel
Ireland	12	CHF 299.40	CHF 475.95	CHF 563.50	CHF 3'169	Mutuel
Iceland	12	CHF 299.40	CHF 419.90	CHF 563.50	CHF 3'169	Mutuel
Luxembourg	12	CHF 299.40	CHF 502.20	CHF 579.40	CHF 3'360	Mutuel
Netherlands	13	CHF 299.40	CHF 575.70	CHF 864.00	CHF 6'775	Mutuel
Sweden	12	CHF 299.40	CHF 425.75	CHF 563.50	CHF 3'169	Mutuel

No HMO, no telemedicine, no family doctor

The official file contains only a base tariff for residents abroad. The alternative models that lower premiums inside Switzerland do not exist here. A comparison promising you one would promise something that does not exist.

Sources

Official FOPH EU/EFTA premium file, 2026 edition, reproduced unchanged. CHF 300 deductible for adults and young adults, CHF 0 for children — the only ones available in this file. This page publishes figures; it does not advise between Swiss and local cover.