2026 Swiss premiums for cross-border workers living in Austria
13 insurers accept a member living in Austria, from CHF 299.40 to CHF 748.10 a month — for cover the law makes identical.
Between the cheapest and the dearest, the gap reaches CHF 5'384 a year. The cover is the same: the law sets it, not the insurer.
| Insurer | Adult (26+) | Young adult (19–25) | Child (0–18) | Accident surcharge |
|---|---|---|---|---|
| Mutuel | CHF 299.40 | CHF 239.60 | CHF 114.80 | +CHF 270 |
| SWICA | CHF 374.70 | CHF 281.00 | CHF 90.00 | +CHF 337 |
| Vivao Sympany | CHF 422.30 | CHF 304.10 | CHF 211.20 | +CHF 380 |
| Helsana | CHF 432.50 | CHF 389.30 | CHF 99.50 | +CHF 390 |
| KPT | CHF 437.10 | CHF 403.60 | CHF 131.10 | +CHF 395 |
| Agrisano | CHF 440.80 | CHF 440.80 | CHF 153.90 | +CHF 278 |
| Assura-Basis | CHF 447.40 | CHF 447.40 | CHF 146.70 | +CHF 403 |
| Sanitas | CHF 465.50 | CHF 395.70 | CHF 139.70 | +CHF 414 |
| ÖKK | CHF 488.30 | CHF 488.30 | CHF 122.20 | +CHF 440 |
| CONCORDIA | CHF 536.40 | CHF 429.20 | CHF 134.10 | +CHF 346 |
| Aquilana | CHF 618.70 | CHF 457.90 | CHF 63.10 | +CHF 558 |
| CSS | CHF 734.70 | CHF 551.00 | CHF 161.60 | +CHF 664 |
| Visana | CHF 748.10 | CHF 523.80 | CHF 209.70 | +CHF 449 |
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.
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.
The other neighbouring countries
Sources
- OFSP — primes de l’assurance-maladie (fichiers officiels)
- OFSP — assurance-maladie : comparaison des primes
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.