What not comparing costs

For strictly identical cover

The catalogue of basic insurance is set by law: the same medicine, the same operation, the same hospital stay are reimbursed identically at all 34 insurers. The gap therefore buys nothing extra — neither better care nor a shorter medical wait.

What really differs is service: reimbursement speed, quality of contact, the app. Real criteria — but they do not justify CHF 582.88 a year on a compulsory expense.

The region where inertia costs most

The record goes to region 2 of canton Ticino: CHF 796.34 away from the average, and CHF 1'940.40 from the dearest insurer in the same region.

These amounts are annual and repeat every year nothing is done. Over five years the median gap already exceeds CHF 2'914.40 — for a step that amounts to one registered letter before 30 November.

The figures

The other studies

• The 25 insurers that have disappeared since 2015
• Where premiums have risen most since 2015
• When the 2 500-franc deductible starts costing more
• The same law, four times cheaper
• The 270 postcodes where your postcode is not enough