The CHF 300 deductible
This is the minimum deductible: the floor the law imposes, and the one carrying the highest premium. Here it serves as the reference for all the others — it is against this that a higher tier’s saving is measured.
What this tier costs, and what it returns
CHF 335.10
Lowest premium in Switzerland
CHF 534.59
Average premium
—
Average annual premium saving
CHF 5'021
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
This tier is the reference: it has no tipping point, because it is what the others try to beat. Its premium is the highest of the six, and its cost-sharing the lowest.
Canton by canton
| Canton | Lowest premium | Insurer |
|---|---|---|
| Zug | CHF 335.10 | Agrisano |
| Appenzell Innerrhoden | CHF 353.50 | Agrisano |
| Uri | CHF 376.60 | Agrisano |
| Obwalden | CHF 382.80 | Agrisano |
| Nidwalden | CHF 385.40 | Agrisano |
| Schwyz | CHF 400.20 | Agrisano |
| St. Gallen | CHF 401.60 | Agrisano |
| Grisons | CHF 404.70 | vita surselva |
| Valais | CHF 406.30 | Agrisano |
| Appenzell Ausserrhoden | CHF 412.30 | Agrisano |
| Lucerne | CHF 414.30 | Agrisano |
| Zurich | CHF 427.80 | Agrisano |
| Thurgau | CHF 429.70 | Agrisano |
| Glarus | CHF 433.20 | Agrisano |
| Schaffhausen | CHF 433.80 | Agrisano |
| Bern | CHF 447.50 | Agrisano |
| Fribourg | CHF 450.00 | Agrisano |
| Aargau | CHF 453.80 | Agrisano |
| Solothurn | CHF 486.20 | Agrisano |
| Basel-Landschaft | CHF 494.80 | Agrisano |
| Vaud | CHF 537.30 | Assura-Basis |
| Ticino | CHF 539.00 | Agrisano |
| Jura | CHF 543.10 | Agrisano |
| Neuchâtel | CHF 554.20 | Visana |
| Basel-Stadt | CHF 575.90 | CSS |
| Geneva | CHF 604.30 | 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