Your district neighbours do not pay your premium

Two maps that do not line up

A premium depends on the pair canton + premium region: 42 zones for the whole country. The district, by contrast, is an administrative and historical division, drawn for civil status and justice, not for pricing health cover. Nothing forces them to coincide, and in 26 cases they do not.

The result shows on the ground: two municipalities in the same district, often adjacent, often facing the same hospital and the same station, pay different premiums for cover the law defines word for word the same way.

What it costs

In the district of Wil (St. Gallen), the gap between the cheapest and the dearest zone reaches CHF 936.60 a year. The table below gives the five districts where the cut hurts most.

This is not an administrative error: it is the mechanical consequence of two maps laid over one another. But it is information nobody gives to someone comparing two flats, and it weighs more than many a rent difference.

The figures

The other studies

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• Where premiums have risen most since 2015
• What not comparing costs
• When the 2 500-franc deductible starts costing more
• The same law, four times cheaper
• The 270 postcodes where your postcode is not enough
• What "Callmed" actually means
• Twelve years of increases, insurer by insurer