Estonia: primat LAMal 2026 për ata që banojnë atje
Estonia — 12 kasa pranojnë një të siguruar që banon atje, nga CHF 141,40 deri CHF 422,30 në muaj, me mbulesë të njëjtë të caktuar nga ligji zviceran.
Between the cheapest and the dearest, the gap reaches CHF 3371 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 |
|---|---|---|---|---|
| Assura-Basis | CHF 141,40 | CHF 141,40 | CHF 49,50 | +CHF 127 |
| SWICA | CHF 164,80 | CHF 123,60 | CHF 39,70 | +CHF 148 |
| Agrisano | CHF 175,80 | CHF 175,80 | CHF 61,80 | +CHF 110 |
| KPT | CHF 181,40 | CHF 167,40 | CHF 53,90 | +CHF 163 |
| ÖKK | CHF 205,60 | CHF 205,60 | CHF 51,50 | +CHF 185 |
| Helsana | CHF 210,20 | CHF 189,20 | CHF 48,30 | +CHF 190 |
| Vivao Sympany | CHF 227,90 | CHF 164,10 | CHF 114,00 | +CHF 205 |
| CONCORDIA | CHF 239,20 | CHF 191,40 | CHF 59,80 | +CHF 154 |
| CSS | CHF 241,80 | CHF 181,40 | CHF 53,20 | +CHF 218 |
| Sanitas | CHF 251,40 | CHF 213,70 | CHF 75,50 | +CHF 223 |
| Mutuel | CHF 299,40 | CHF 239,60 | CHF 114,80 | +CHF 270 |
| Visana | CHF 422,30 | CHF 295,70 | CHF 118,50 | +CHF 253 |
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.