Finland: 2026 Swiss health premiums for residents
Finland — 12 insurers accept a policyholder living there, from CHF 299.40 to CHF 563.50 a month, for cover identical under Swiss law.
Between the cheapest and the dearest, the gap reaches CHF 3'169 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 |
| KPT | CHF 314.30 | CHF 290.20 | CHF 93.90 | +CHF 284 |
| Helsana | CHF 334.80 | CHF 301.40 | CHF 77.10 | +CHF 302 |
| CSS | CHF 372.00 | CHF 279.00 | CHF 81.80 | +CHF 336 |
| Assura-Basis | CHF 386.00 | CHF 386.00 | CHF 133.10 | +CHF 348 |
| SWICA | CHF 410.10 | CHF 307.60 | CHF 98.50 | +CHF 370 |
| Sanitas | CHF 465.50 | CHF 395.70 | CHF 139.70 | +CHF 414 |
| ÖKK | CHF 466.90 | CHF 466.90 | CHF 116.80 | +CHF 421 |
| Agrisano | CHF 481.70 | CHF 481.70 | CHF 168.20 | +CHF 304 |
| Vivao Sympany | CHF 486.40 | CHF 350.30 | CHF 243.20 | +CHF 439 |
| Visana | CHF 497.50 | CHF 348.40 | CHF 139.60 | +CHF 299 |
| CONCORDIA | CHF 563.50 | CHF 450.80 | CHF 141.00 | +CHF 362 |
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.