LAMal comparator 2026
Pick your canton, age and deductible — see monthly premiums sorted from cheapest to most expensive.
Combien pouvez-vous économiser ?
Économie potentielle / an
CHF 1'596
Différence entre la caisse la moins chère (CHF 558/mois) et la plus chère (CHF 691/mois) pour un adulte standard à Genève avec franchise CHF 2500.
Potential savings
CHF 1'596/year
Difference between the cheapest and most expensive insurer, across 11 compared.
Monthly premium ranking
- 1
Assura
★ Cheapest
CHF 558
/month
- 2
Atupri
Monthly premium
CHF 569
/month
- 3
Sympany
Monthly premium
CHF 572
/month
- 4
Helsana
Monthly premium
CHF 594
/month
- 5
Concordia
Monthly premium
CHF 603
/month
- 6
CSS
Monthly premium
CHF 615
/month
- 7
Sanitas
Monthly premium
CHF 615
/month
- 8
KPT
Monthly premium
CHF 623
/month
- 9
Groupe Mutuel
Monthly premium
CHF 624
/month
- 10
SWICA
Monthly premium
CHF 629
/month
- 11
Visana
Monthly premium
CHF 691
/month
Indicative 2026 premiums — always verify the exact rate with the insurer before subscribing.
What is the health insurance subsidy?
The subsidy (individual premium reduction) is cantonal aid that lowers your basic LAMal premium based on income and canton. Each canton sets its own thresholds and you apply via the cantonal office. Compare premiums first, then claim your subsidy — both savings stack.
Guide complet : subside d'assurance maladie par canton →
Subside par canton : Geneva · Vaud · Zurich · Bern · Valais · Fribourg · Neuchâtel · Jura · Ticino · Basel-City · Basel-Country · Aargau · Solothurn · Lucerne · St. Gallen · Graubünden · Schwyz · Zug · Thurgau · Glarus · Schaffhausen · Appenzell Outer-Rhodes · Appenzell Inner-Rhodes · Obwalden · Nidwalden · Uri
What is a Swiss health insurance comparison?
A health insurance comparison ranks the premiums of the compulsory basic insurance (LAMal/KVG) of every Swiss insurer for a given profile: canton, age, deductible and insurance model. In Switzerland the basic insurance is mandatory and its benefits are identical by law across all insurers — only the price changes, sometimes by more than 40% for the very same cover. Comparing therefore means paying less for exactly the same benefits.
How to spot a reliable comparison
A trustworthy comparison shows only the official premiums approved by the FOPH (Federal Office of Public Health), covers every insurer without favouring those that pay it, and lets you filter by deductible (CHF 300 to 2,500) and model (standard, family doctor, HMO, Telmed). Be wary of tools that only display a few insurers or hide the cheapest offers.
Health insurance comparisons in Switzerland
The official comparison is priminfo.ch, run by the FOPH: it lists all approved premiums, ad-free. Private alternatives such as Comparis, bonus.ch and Polia add filters, reviews and switching support. Polia cross-references the official premiums with a canton- and commune-level analysis, going beyond the national average.
Which Swiss health insurer is cheapest?
There is no universally cheapest insurer: it depends on your canton, age and deductible. Two levers cut the premium sharply — an alternative model (family doctor, HMO, Telmed) and a high deductible (up to CHF 2,500) if you rarely see a doctor. Run the comparator above to see the live ranking, cheapest to most expensive, for your profile.
How to choose the right cover
Beyond price: pick your deductible based on your expected health costs (low if you consult often, high if rarely), your model (family doctor or HMO to save), and check your cantonal premium subsidy. Also consider supplementary (LCA) cover for what basic insurance does not pay. Remember the 10% co-payment, capped at CHF 700 per adult per year.
What is the premium subsidy?
The premium subsidy is cantonal support that reduces your basic (KVG) premium depending on your income and canton of residence. You apply to the competent cantonal office. Importantly, the subsidy can be combined with a cheaper insurer: you benefit twice and cut your yearly bill without giving up any benefits.
FAQ
Which is the best health insurance comparison in Switzerland?
The official, free comparison is priminfo.ch from the FOPH, which shows all approved premiums ad-free. Polia adds canton and commune analysis, reviews and switching support. A good comparison covers every insurer and lets you filter by deductible and model (family doctor, HMO, Telmed).
Which health insurer is the cheapest in Switzerland?
There is no universally cheapest insurer: it depends on your canton, age, deductible and model. For an identical profile, the gap between the cheapest and most expensive insurer can exceed 40%, even though basic (KVG) insurance offers the same benefits by law.
Is the health insurance comparison free?
Yes. Both the federal comparison on priminfo.ch and Polia's are free. Switching insurer costs nothing: basic insurance can usually be cancelled for 31 December, with the cancellation reaching the insurer by the end of November.
How do I switch health insurer to pay less?
Compare premiums for your canton and profile, choose a cheaper insurer (basic benefits are identical by law), then send your cancellation by registered mail before the deadline (often 30 November for a 1 January switch). Also check your cantonal premium subsidy.
Les primes LAMal varient du simple au double selon le canton
Zug est le canton le moins cher (~CHF 260/mois pour un adulte standard, franchise CHF 2'500), tandis que Geneva atteint ~CHF 541/mois — soit CHF 3'372/an de différence pour la même couverture obligatoire par loi fédérale.