Basic insurance is mandatory in Switzerland. Coverage is standardized by law, but premiums differ by canton, model, and deductible. Choosing a higher deductible or managed-care model can reduce monthly costs.
Health Insurance Cost Estimator
Estimate your monthly KVG premium based on canton, model, age group, and deductible.
Yes. Every resident must register basic health insurance (KVG/LAMal) within three months of arrival or registration.
How much does basic health insurance cost in Switzerland?
Premiums vary by canton, age group, deductible, and model. Costs can vary significantly between cantons and plan models.
What is the difference between basic and supplementary insurance?
Basic insurance covers the mandatory federal service catalogue. Supplementary plans are optional and cover extras like private rooms or extended benefits.
How does the deductible work?
You choose a deductible between CHF 300 and CHF 2,500. A higher deductible lowers your monthly premium but increases out-of-pocket costs before insurance contributions apply.
Can I switch health insurance provider?
Yes, usually at year end with notice deadlines. Some lower-premium switches are available mid-year depending on plan conditions.