The CHF 1'000 deductible

It saves on average CHF 480 a year on the premium. That gain holds as long as your health costs stay below roughly CHF 768 — beyond that, the minimum deductible becomes the cheaper one again.

What this tier costs, and what it returns

CHF 294.90

Lowest premium in Switzerland

CHF 494.56

Average premium

CHF 480

Average annual premium saving

CHF 5'239

Maximum annual exposure

Maximum annual exposure is the worst case, the one nobody displays: twelve premiums at the floor price, plus the whole deductible, plus the CHF 700 co-payment cap. It is the figure to look at before raising a deductible, because it is the one you must be able to find.

The tipping point

The tipping point is the level of annual health costs beyond which the minimum deductible becomes cheaper again, all in. It is computed on real total cost — twelve premiums, plus the deductible, plus the 10 % co-payment and its CHF 700 cap — not on the premium difference alone.

Depending on the canton, the tipping point falls between CHF 655 and CHF 844 of health costs over the year.

Canton by canton

Canton	Lowest premium	CHF 300 deductible	Saving over the year	Tips from	Insurer
Zug	CHF 294.90	CHF 335.10	CHF 482	CHF 836	CONCORDIA
Appenzell Innerrhoden	CHF 318.40	CHF 353.50	CHF 421	CHF 768	Agrisano
Uri	CHF 341.50	CHF 376.60	CHF 421	CHF 768	Agrisano
Obwalden	CHF 347.70	CHF 382.80	CHF 421	CHF 768	Agrisano
Nidwalden	CHF 350.30	CHF 385.40	CHF 421	CHF 768	Agrisano
Grisons	CHF 364.25	CHF 404.70	CHF 485	CHF 839	vita surselva
Schwyz	CHF 365.10	CHF 400.20	CHF 421	CHF 768	Agrisano
St. Gallen	CHF 366.50	CHF 401.60	CHF 421	CHF 768	Agrisano
Valais	CHF 371.20	CHF 406.30	CHF 421	CHF 768	Agrisano
Appenzell Ausserrhoden	CHF 377.20	CHF 412.30	CHF 421	CHF 768	Agrisano
Lucerne	CHF 379.30	CHF 414.30	CHF 420	CHF 767	Agrisano
Zurich	CHF 392.70	CHF 427.80	CHF 421	CHF 768	Agrisano
Thurgau	CHF 394.60	CHF 429.70	CHF 421	CHF 768	Agrisano
Glarus	CHF 398.10	CHF 433.20	CHF 421	CHF 768	Agrisano
Schaffhausen	CHF 398.70	CHF 433.80	CHF 421	CHF 768	Agrisano
Bern	CHF 412.50	CHF 447.50	CHF 420	CHF 767	Agrisano
Fribourg	CHF 414.90	CHF 450.00	CHF 421	CHF 768	Agrisano
Aargau	CHF 418.70	CHF 453.80	CHF 421	CHF 768	Agrisano
Solothurn	CHF 451.20	CHF 486.20	CHF 420	CHF 767	Agrisano
Basel-Landschaft	CHF 459.70	CHF 494.80	CHF 421	CHF 768	Agrisano
Vaud	CHF 496.50	CHF 537.30	CHF 490	CHF 844	Assura-Basis
Ticino	CHF 503.90	CHF 539.00	CHF 421	CHF 768	Agrisano
Jura	CHF 508.00	CHF 543.10	CHF 421	CHF 768	Agrisano
Neuchâtel	CHF 527.60	CHF 554.20	CHF 319	CHF 655	Helsana
Basel-Stadt	CHF 535.10	CHF 575.90	CHF 490	CHF 844	CSS
Geneva	CHF 563.50	CHF 604.30	CHF 490	CHF 844	Assura-Basis

Profile: adult, accident cover included, lowest premium in the canton across all models. Büsingen and Campione enclaves excluded. A canton’s lowest premium sits in one specific premium region: your municipality may belong to another.

The rules that do not change

The 10 % co-payment continues after the deductible, capped at CHF 700 a year for an adult. It is systematically forgotten when raising a deductible.
The deductible changes on 1 January, like the insurer, with a termination arriving by 30 November. It does not change mid-year because you fall ill.
Maternity, scheduled screening and certain preventive services escape the deductible: planning a child changes the calculation entirely.

Compute for my municipality See prices where I live

The other tiers

2026 · OFSP / priminfo.admin.ch