Why does my neighbour pay less than me?
The answer
Because the premium depends not on the municipality but on the premium region: Switzerland has 42 of them, and two neighbouring municipalities can fall into two different ones.
Why
The FOPH divides each canton into one to three rating regions according to observed health costs. Switzerland’s 2'114 municipalities therefore spread across only 42 regions — and the boundary sometimes runs through the middle of a built-up area.
A single postcode can also straddle two regions: the postal service and the FOPH do not divide Switzerland the same way. Your municipality of residence decides, never your postal address.
The other questions
- Which is the cheapest health insurer in Switzerland?
- How much does health insurance cost in Switzerland?
- How much does health insurance cost for a child?
- When can I change health insurer?
- Can a Swiss health insurer refuse you?
- Are the benefits the same at every insurer?
- Which deductible should I choose?
- Does the family doctor model really save money?
- Can I remove accident cover from my health insurance?
- What is the difference between the deductible and the co-payment?
- Why do premiums rise every year?
- How do I cancel my Swiss health insurance?
- What happens if I do not pay my premium?
- Do I have to insure a newborn, and when?
- How many health insurers are there in Switzerland?
Source: Federal Office of Public Health (FOPH), official premiums.