2026 Swiss premiums for cross-border workers living in Germany
13 insurers accept a member living in Germany, from CHF 227.90 to CHF 1'059.90 a month — for cover the law makes identical.
Between the cheapest and the dearest, the gap reaches CHF 9'984 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 |
|---|---|---|---|---|
| Vivao Sympany | CHF 227.90 | CHF 164.10 | CHF 114.00 | +CHF 205 |
| SWICA | CHF 241.80 | CHF 181.40 | CHF 58.10 | +CHF 217 |
| KPT | CHF 274.40 | CHF 253.00 | CHF 81.80 | +CHF 247 |
| Mutuel | CHF 299.40 | CHF 239.60 | CHF 114.80 | +CHF 270 |
| Helsana | CHF 352.50 | CHF 317.30 | CHF 81.10 | +CHF 318 |
| Assura-Basis | CHF 403.70 | CHF 403.70 | CHF 140.80 | +CHF 364 |
| CONCORDIA | CHF 500.10 | CHF 400.10 | CHF 125.10 | +CHF 322 |
| Aquilana | CHF 503.10 | CHF 372.30 | CHF 49.85 | +CHF 454 |
| Agrisano | CHF 528.20 | CHF 528.20 | CHF 185.30 | +CHF 334 |
| ÖKK | CHF 565.50 | CHF 565.50 | CHF 141.40 | +CHF 510 |
| CSS | CHF 632.40 | CHF 474.30 | CHF 139.10 | +CHF 571 |
| Sanitas | CHF 661.10 | CHF 561.90 | CHF 198.40 | +CHF 587 |
| Visana | CHF 1'059.90 | CHF 742.10 | CHF 297.10 | +CHF 636 |
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.