Netherlands: 2026 Swiss health premiums for residents
Netherlands — 13 insurers accept a policyholder living there, from CHF 299.40 to CHF 864.00 a month, for cover identical under Swiss law.
Between the cheapest and the dearest, the gap reaches CHF 6'775 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 |
| Helsana | CHF 365.50 | CHF 329.00 | CHF 84.00 | +CHF 330 |
| SWICA | CHF 432.90 | CHF 324.70 | CHF 103.90 | +CHF 390 |
| Aquilana | CHF 449.10 | CHF 332.30 | CHF 43.60 | +CHF 404 |
| KPT | CHF 562.70 | CHF 519.90 | CHF 168.30 | +CHF 508 |
| CONCORDIA | CHF 563.50 | CHF 450.80 | CHF 141.00 | +CHF 362 |
| Assura-Basis | CHF 575.70 | CHF 575.70 | CHF 175.80 | +CHF 520 |
| Sanitas | CHF 577.30 | CHF 490.70 | CHF 173.20 | +CHF 512 |
| Vivao Sympany | CHF 627.80 | CHF 452.00 | CHF 313.90 | +CHF 566 |
| ÖKK | CHF 645.50 | CHF 645.50 | CHF 161.40 | +CHF 582 |
| CSS | CHF 651.00 | CHF 488.30 | CHF 143.20 | +CHF 588 |
| Agrisano | CHF 685.90 | CHF 685.90 | CHF 240.40 | +CHF 433 |
| Visana | CHF 864.00 | CHF 605.00 | CHF 242.20 | +CHF 518 |
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.