Premium calculator 2027
Up to 40 % cashbackon supplementary insurance · from our commission
Up to 40% cashback – from our commission, only on supplementary insurance. Due no earlier than 15 days after the start of the supplementary insurance. Details in the GTC (section 5).
Compare for free – no contact details needed.
With the 2027 health insurance comparison you see at a glance what basic insurance costs at selected health insurers in your premium region, and you can compare supplementary insurance in the same calculator.
How the premium calculator works
The premium calculator shows you the 2027 basic insurance premiums of the compared health insurers in your premium region. They are based on the premiums approved by the Federal Office of Public Health (FOPH), less the redistribution of environmental levies that the insurers deduct on the premium invoice. It asks you step by step for your place of residence, who you are comparing for, your year of birth, model, deductible and current health insurer – and, for supplementary insurance, your needs. You then receive a personal recommendation based on your details and needs, for one person, a couple or the whole family in one comparison. You apply online; we take care of cancelling with your current insurer.
The benefits of basic insurance are identical at every insurer by law. The differences lie only in the premium, the model (standard, family doctor, HMO or Telmed) and the service. That is why comparing pays off every year: with the same parameters, several hundred francs often separate the highest from the lowest premium.
Compare supplementary insurance
Here, easyall compares the products of our partner insurers by benefits and price: hospital, outpatient, dental and complementary medicine. You see the coverage in detail and can submit your application online right away.
Up to 40% cashback – from our commission, only on supplementary insurance. Details in the GTC (section 5). The comparison is free and non-binding, and you do not need an account.
Hospital insurance
In hospital, basic insurance covers the general ward, usually in your canton of residence. Hospital insurance widens the choice: free choice of hospital throughout Switzerland, semi-private with a two-bed room or private with a single room and senior consultant; more in our guide to general, semi-private and private wards.
Dental insurance
Basic insurance pays for dental treatment only in exceptional cases, for example after an accident, for a serious, unavoidable disease of the masticatory system or in connection with a serious systemic illness (Art. 31 KVG). Supplementary dental insurance usually pays a percentage up to an annual maximum; see our guides on dental insurance for children and dental costs for adults.
Outpatient supplementary insurance
Outpatient supplements contribute, for example, to glasses and contact lenses, gym memberships and check-ups, and often give better cover for emergencies abroad and for rescue and transport. Our guide to costs and benefits shows whether that pays off for you.
Switching and cancelling your health insurance
You usually switch basic insurance on 1 January. To switch on 1 January 2027, your cancellation must reach your current insurer by 30 November 2026; what counts is receipt, not the postmark.
Go in this order: choose the new insurer and apply first, then cancel the old one. You will find a template in the sample cancellation letter and every step in the switching checklist. Cancel a supplementary insurance only after the new insurer has confirmed acceptance in writing.
Frequently asked questions about comparing premiums
Why do I pay a different premium than my neighbour even though the benefits are the same?
The OKP premium depends on your place of residence (canton or premium region), age (child 0–18, young adult 19–25, adult from 26), deductible (franchise), insurance model and accident cover. Since the benefits are identical everywhere, for basic insurance the cheapest insurer in the right model is almost always the rational choice — the differences are mainly in service and premium stability. Comparing is therefore almost always worthwhile.
Read more: Swiss premium regions: why your premium depends on where you live
Which deductible (franchise) should I choose?
The deductible (franchise) is the amount you pay yourself each year before the insurer starts paying: CHF 300 to 2,500 for adults, CHF 0 to 600 for children. After that you pay a 10% co-payment, capped at CHF 700 per year for adults and CHF 350 for children. Rule of thumb: if you rarely see a doctor, a high deductible is often cheaper; if you have regular costs, a low deductible is.
Read more: Swiss health insurance deductible (franchise): 300 or 2'500?
What do the family doctor, HMO and Telmed models mean?
Besides the standard model with free choice of doctor, there are savings models: the family doctor model (always see your chosen family doctor first), HMO (a group practice as the first point of contact) and Telmed (telephone or digital consultation first). Savings models give a discount on the premium but oblige you to follow the treatment pathway — otherwise benefits may be reduced. Emergencies are exempt, as are usually gynaecology and eye doctor visits, depending on the insurer's terms.
Read more: Family doctor, HMO or Telmed: cost-saving models compared
I'm employed — do I need accident cover in my health insurance?
Anyone who works at least 8 hours per week for the same employer is insured against accidents through that employer (UVG) and can exclude accident cover from their basic insurance — this lowers the premium. Self-employed people and people who are not in gainful employment need accident cover in the OKP.
Read more: Accident cover in your health insurance: include or exclude?
By when can I terminate my basic insurance?
Basic insurance can be switched as of 1 January: your notice of termination must reach your current insurer by the end of November (recommended: by registered mail, no later than the last working day in November). If you have the ordinary deductible (CHF 300; for children CHF 0) and the standard model, you can additionally terminate as of 1 July with 3 months' notice. Your cover remains seamless when switching — the new insurer must accept you.
Read more: Cancel Swiss health insurance 2027: sample letter, deadline
When are next year's premiums available?
The FOPH (BAG) publishes the following year's premiums at the end of September or beginning of October — easyall then updates its data immediately. easyall comparisons always use the current premiums approved by the FOPH, less the redistribution of environmental levies that the insurers deduct on the premium invoice. The switching season then runs until the end of November (your notice of termination must reach your old insurer by then).
