The CHF 500 deductible

It saves on average CHF 134 a year on the premium. That gain holds as long as your health costs stay below roughly CHF 435 — beyond that, the minimum deductible becomes the cheaper one again.

What this tier costs, and what it returns

CHF 324.10

Lowest premium in Switzerland

CHF 523.41

Average premium

CHF 134

Average annual premium saving

CHF 5'089

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 388 and CHF 455 of health costs over the year.

Canton by canton

Canton	Lowest premium	CHF 300 deductible	Saving over the year	Tips from	Insurer
Zug	CHF 324.10	CHF 335.10	CHF 132	CHF 447	CONCORDIA
Appenzell Innerrhoden	CHF 343.40	CHF 353.50	CHF 121	CHF 435	Agrisano
Uri	CHF 366.50	CHF 376.60	CHF 121	CHF 435	Agrisano
Obwalden	CHF 372.70	CHF 382.80	CHF 121	CHF 435	Agrisano
Nidwalden	CHF 375.30	CHF 385.40	CHF 121	CHF 435	Agrisano
Schwyz	CHF 390.10	CHF 400.20	CHF 121	CHF 435	Agrisano
St. Gallen	CHF 391.60	CHF 401.60	CHF 120	CHF 433	Agrisano
Grisons	CHF 395.00	CHF 404.70	CHF 116	CHF 429	vita surselva
Valais	CHF 396.20	CHF 406.30	CHF 121	CHF 435	Agrisano
Appenzell Ausserrhoden	CHF 402.20	CHF 412.30	CHF 121	CHF 435	Agrisano
Lucerne	CHF 404.30	CHF 414.30	CHF 120	CHF 433	Agrisano
Zurich	CHF 417.70	CHF 427.80	CHF 121	CHF 435	Agrisano
Thurgau	CHF 419.60	CHF 429.70	CHF 121	CHF 435	Agrisano
Glarus	CHF 423.10	CHF 433.20	CHF 121	CHF 435	Agrisano
Schaffhausen	CHF 423.70	CHF 433.80	CHF 121	CHF 435	Agrisano
Bern	CHF 437.50	CHF 447.50	CHF 120	CHF 433	Agrisano
Fribourg	CHF 440.00	CHF 450.00	CHF 120	CHF 433	Agrisano
Aargau	CHF 443.80	CHF 453.80	CHF 120	CHF 433	Agrisano
Solothurn	CHF 476.20	CHF 486.20	CHF 120	CHF 433	Agrisano
Basel-Landschaft	CHF 484.70	CHF 494.80	CHF 121	CHF 435	Agrisano
Vaud	CHF 525.70	CHF 537.30	CHF 139	CHF 455	Assura-Basis
Ticino	CHF 528.90	CHF 539.00	CHF 121	CHF 435	Agrisano
Jura	CHF 533.00	CHF 543.10	CHF 121	CHF 435	Agrisano
Neuchâtel	CHF 547.60	CHF 554.20	CHF 79	CHF 388	Visana
Basel-Stadt	CHF 564.30	CHF 575.90	CHF 139	CHF 455	CSS
Geneva	CHF 592.70	CHF 604.30	CHF 139	CHF 455	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