2026 Swiss premiums for cross-border workers living in Italy
14 insurers accept a member living in Italy, from CHF 279,00 to CHF 487,20 a month — for cover the law makes identical.
Between the cheapest and the dearest, the gap reaches CHF 2.498 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 |
|---|---|---|---|---|
| Helsana | CHF 279,00 | CHF 251,10 | CHF 64,20 | +CHF 252 |
| Mutuel | CHF 299,40 | CHF 239,60 | CHF 114,80 | +CHF 270 |
| SWICA | CHF 331,90 | CHF 248,90 | CHF 79,80 | +CHF 299 |
| KPT | CHF 362,70 | CHF 334,80 | CHF 108,80 | +CHF 328 |
| Agrisano | CHF 390,50 | CHF 390,50 | CHF 136,80 | +CHF 246 |
| Vivao Sympany | CHF 407,40 | CHF 293,40 | CHF 203,70 | +CHF 367 |
| CSS | CHF 427,80 | CHF 320,90 | CHF 94,10 | +CHF 386 |
| Aquilana | CHF 428,50 | CHF 317,20 | CHF 41,20 | +CHF 386 |
| ÖKK | CHF 439,90 | CHF 439,90 | CHF 110,10 | +CHF 397 |
| sodalis | CHF 454,00 | CHF 385,90 | CHF 118,40 | +CHF 348 |
| Visana | CHF 464,20 | CHF 325,10 | CHF 130,30 | +CHF 278 |
| Sanitas | CHF 465,50 | CHF 395,70 | CHF 139,70 | +CHF 414 |
| Assura-Basis | CHF 475,30 | CHF 475,30 | CHF 153,20 | +CHF 428 |
| CONCORDIA | CHF 487,20 | CHF 389,80 | CHF 121,90 | +CHF 313 |
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.