Belgium: prémios LAMal 2026 para quem aí reside
Belgium — 12 caixas aceitam um segurado que aí reside, de CHF 239,90 a CHF 644,20 por mês, com cobertura idêntica fixada pela lei suíça.
Between the cheapest and the dearest, the gap reaches CHF 4852 a year. The cover is the same: the law sets it, not the insurer.
| Insurer | Adult (26+) | Young adult (19–25) | Child (0–18) | Accident surcharge |
|---|---|---|---|---|
| KPT | CHF 239,90 | CHF 221,30 | CHF 71,60 | +CHF 217 |
| Mutuel | CHF 299,40 | CHF 239,60 | CHF 114,80 | +CHF 270 |
| Helsana | CHF 365,50 | CHF 329,00 | CHF 84,00 | +CHF 330 |
| SWICA | CHF 446,40 | CHF 334,80 | CHF 107,20 | +CHF 402 |
| Agrisano | CHF 503,50 | CHF 503,50 | CHF 176,70 | +CHF 318 |
| Assura-Basis | CHF 510,60 | CHF 510,60 | CHF 164,40 | +CHF 461 |
| CSS | CHF 530,10 | CHF 397,60 | CHF 116,60 | +CHF 479 |
| Sanitas | CHF 530,70 | CHF 451,10 | CHF 159,30 | +CHF 472 |
| ÖKK | CHF 547,80 | CHF 547,80 | CHF 137,00 | +CHF 494 |
| Vivao Sympany | CHF 561,80 | CHF 404,50 | CHF 280,90 | +CHF 506 |
| CONCORDIA | CHF 563,50 | CHF 450,80 | CHF 141,00 | +CHF 362 |
| Visana | CHF 644,20 | CHF 451,10 | CHF 180,70 | +CHF 386 |
You may be paying twice for accident cover
You work in Switzerland: your employer insures you against accidents under the LAA. The "with accident" variant of basic insurance covers the same risk a second time. Every premium on these pages is therefore shown WITHOUT accident cover — the "accident surcharge" column shows what the redundant variant would cost.
No HMO, no telemedicine, no family doctor
The official file contains only a base tariff for residents abroad. The alternative models that lower premiums inside Switzerland do not exist here. A comparison promising you one would promise something that does not exist.
The other neighbouring countries
Sources
- OFSP — primes de l’assurance-maladie (fichiers officiels)
- OFSP — assurance-maladie : comparaison des primes
Official FOPH EU/EFTA premium file, 2026 edition, reproduced unchanged. CHF 300 deductible for adults and young adults, CHF 0 for children — the only ones available in this file. This page publishes figures; it does not advise between Swiss and local cover.