The CHF 1'500 deductible
It saves on average CHF 828 a year on the premium. That gain holds as long as your health costs stay below roughly CHF 1'103 — beyond that, the minimum deductible becomes the cheaper one again.
What this tier costs, and what it returns
CHF 265.70
Lowest premium in Switzerland
CHF 465.63
Average premium
CHF 828
Average annual premium saving
CHF 5'388
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 1'044 and CHF 1'233 of health costs over the year.
Canton by canton
| Canton | Lowest premium | CHF 300 deductible | Saving over the year | Tips from | Insurer |
|---|---|---|---|---|---|
| Zug | CHF 265.70 | CHF 335.10 | CHF 833 | CHF 1'225 | CONCORDIA |
| Appenzell Innerrhoden | CHF 290.40 | CHF 353.50 | CHF 757 | CHF 1'141 | Vivao Sympany |
| Uri | CHF 316.40 | CHF 376.60 | CHF 722 | CHF 1'103 | Agrisano |
| Obwalden | CHF 322.60 | CHF 382.80 | CHF 722 | CHF 1'103 | Agrisano |
| Nidwalden | CHF 325.20 | CHF 385.40 | CHF 722 | CHF 1'103 | Agrisano |
| Grisons | CHF 335.90 | CHF 404.70 | CHF 826 | CHF 1'217 | vita surselva |
| Schwyz | CHF 340.00 | CHF 400.20 | CHF 722 | CHF 1'103 | Agrisano |
| St. Gallen | CHF 341.40 | CHF 401.60 | CHF 722 | CHF 1'103 | Agrisano |
| Valais | CHF 346.10 | CHF 406.30 | CHF 722 | CHF 1'103 | Agrisano |
| Appenzell Ausserrhoden | CHF 352.10 | CHF 412.30 | CHF 722 | CHF 1'103 | Agrisano |
| Lucerne | CHF 354.10 | CHF 414.30 | CHF 722 | CHF 1'103 | Agrisano |
| Zurich | CHF 367.60 | CHF 427.80 | CHF 722 | CHF 1'103 | Agrisano |
| Thurgau | CHF 369.50 | CHF 429.70 | CHF 722 | CHF 1'103 | Agrisano |
| Glarus | CHF 373.00 | CHF 433.20 | CHF 722 | CHF 1'103 | Agrisano |
| Schaffhausen | CHF 373.60 | CHF 433.80 | CHF 722 | CHF 1'103 | Agrisano |
| Bern | CHF 387.30 | CHF 447.50 | CHF 722 | CHF 1'103 | Agrisano |
| Fribourg | CHF 389.80 | CHF 450.00 | CHF 722 | CHF 1'103 | Agrisano |
| Aargau | CHF 393.60 | CHF 453.80 | CHF 722 | CHF 1'103 | Agrisano |
| Solothurn | CHF 425.90 | CHF 486.20 | CHF 724 | CHF 1'104 | Visana |
| Basel-Landschaft | CHF 434.60 | CHF 494.80 | CHF 722 | CHF 1'103 | Agrisano |
| Vaud | CHF 467.30 | CHF 537.30 | CHF 840 | CHF 1'233 | Assura-Basis |
| Ticino | CHF 478.80 | CHF 539.00 | CHF 722 | CHF 1'103 | Agrisano |
| Jura | CHF 482.90 | CHF 543.10 | CHF 722 | CHF 1'103 | Agrisano |
| Neuchâtel | CHF 498.40 | CHF 554.20 | CHF 670 | CHF 1'044 | Helsana |
| Basel-Stadt | CHF 505.90 | CHF 575.90 | CHF 840 | CHF 1'233 | CSS |
| Geneva | CHF 534.30 | CHF 604.30 | CHF 840 | CHF 1'233 | 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.
The other tiers
2026 · OFSP / priminfo.admin.ch