Compare health insurers 2027 and switch easily
Enter your postcode and birth year to see the cheapest basic insurance. We handle the switch for you, free of charge.
Comparing is easy. We handle the switch.
Basic insurance covers exactly the same at every insurer; only the premium differs. Most comparison sites show you the premiums and then leave you alone with the cancellation and the new application. On many of them, the top spots are bought by the insurers, as the "Beobachter" has published.
With us you choose the insurer, and we cancel your old one and enroll you with the new one. No phone call, no paperwork, free of charge. And 100% independent: no insurer pays for a better place in our list.
Premium overview by canton
See which health insurers are cheapest in your canton — broken down by age group and insurance model.
Frequently asked questions
The deductible is the amount you pay annually before the health insurer covers costs. In Switzerland, you can choose between CHF 300 and CHF 2,500. A higher deductible means lower monthly premiums but higher costs in case of illness.
Employed persons are automatically insured against accidents and can exclude accident coverage from basic insurance. This saves you CHF 25-40 monthly. Non-employed persons need accident insurance in their basic insurance.
HMO (Health Maintenance Organization) is an insurance model where you first go to a specific medical center. In return, you receive a 15-25% discount on your premium. The family doctor model is similar, but you choose a fixed family doctor as your first point of contact.
You can cancel basic insurance at the end of each year. The cancellation must reach your current insurer by November 30 at the latest. For Credura customers, we offer a switching service where you select the desired plan and don't have to worry about anything else.
The cheapest health insurer depends on your place of residence, age, and chosen model. In 2026, Assura, CSS, and Helsana are often affordable, but this varies by canton. Our calculator shows you the currently cheapest option for your situation.
Yes, basic insurance benefits are regulated by law and identical across all health insurers. The only difference is the premium and service. That's why it's worth choosing the cheapest option.
If you fall behind on payments, you will first receive reminders. After 3 months, the insurer can restrict benefits to emergencies. In extreme cases, debt collection proceedings may be initiated. However, basic insurance can never be fully cancelled.
Depending on your situation, you can save CHF 1,000-3,000 per year. The savings potential is especially large when switching from standard to HMO model or when increasing the deductible. Our calculator shows you your personal savings potential.