Health insurance
Compare 30+ Swiss health insurers in 2 minutes — possible savings depending on your profile.
30+
Insurers compared
26
Cantons covered
Selon profil
Possible yearly savings
3 min
To compare
Tout savoir sur Health insurance en Suisse en 2026
Health insurance is mandatory in Switzerland for all residents. Basic coverage (LAMal) is identical by law, yet premiums vary widely — up to CHF 1,500 per year for the exact same benefits. Polia compares 30+ insurers in real time, both basic LAMal and supplementary plans (hospital, dental, alternative medicine, outpatient). Our methodology is public, we have no financial ties to insurers, and the whole comparison takes under 3 minutes — no pushy sales calls.
4 raisons concrètes de comparer en 2026
Huge gaps between insurers
With identical benefits by federal law, two insurers can charge CHF 1,200 more per adult per year in the same canton at equivalent deductible and model.
Identical LAMal benefits
Basic LAMal is defined by federal law: consultations, public hospital, reimbursed drugs, emergencies. No insurer can offer 'more' on the base — paying extra only buys better service or brand.
Deductible + model lever
Beyond the insurer, two choices slash your premium: CHF 2,500 deductible (-CHF 720/yr) and alternative model (-14% to -20%). Combined: 35-45% off.
Strict November 30 deadline
Your cancellation letter must reach your current insurer by November 30 by registered mail for a January 1 switch. No penalty, no reason needed. Polia auto-generates the PDF.
Health insurance en 90 secondes
Comment Polia compare Health insurance en Suisse 2026, étape par étape — sans démarchage commercial.
- 1Présentation du marché et des écarts entre caisses.
- 2Démo du wizard de capture en 3 minutes.
- 3Que se passe-t-il après l'envoi de votre formulaire.
Comparez LAMal maintenant
Toutes les offres pertinentes du marché, classées du moins cher au plus cher selon votre profil. Aucune commission cachée, méthodologie publique.
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.
Comment choisir en 5 étapes
- 1
Identify your profile
Canton, age (child, young adult, adult), household size. These 3 inputs determine 90% of your premium.
- 2
Pick the deductible
Simple math: CHF 2,500 deductible if you expect less than CHF 1,700 of yearly care (break-even). Else CHF 300.
- 3
Select the model
Standard: free choice (pricey). Family doctor: -14%. HMO: -20%. Telemed: -17%. Outside chronic conditions, practical impact is minimal.
- 4
Compare on Polia
Run the live LAMal comparator below. All insurers shown for your exact profile, sorted cheapest to priciest. No hidden commissions.
- 5
Cancel by November 30
Sign Polia's pre-filled cancellation and send by registered mail. New insurer must accept you (LAMal base, refusal forbidden by law).
Ce qui est couvert et ce qui ne l'est pas
Inclus
- GP and specialist consultations
- Hospital common ward (canton)
- FOPH-listed drugs
- Outpatient care and emergencies
- Maternity and infant care
- Recognized complementary medicine (5 fields)
Non couvert (LCA séparée)
- Private hospital room (LCA)
- Routine dental care (LCA dental)
- Vision care (LCA)
- Unrecognized alternative medicine (LCA)
- Care abroad (except emergencies)
- Professional sports
Les principaux acteurs du marché
Health insurance dans tous les cantons suisses
Les primes varient fortement selon votre canton. Découvrez les tarifs 2026 et les caisses les moins chères près de chez vous.
- Geneva (GE)
- Vaud (VD)
- Zurich (ZH)
- Bern (BE)
- Valais (VS)
- Fribourg (FR)
- Neuchâtel (NE)
- Jura (JU)
- Ticino (TI)
- Basel-City (BS)
- Basel-Country (BL)
- Aargau (AG)
- Solothurn (SO)
- Lucerne (LU)
- St. Gallen (SG)
- Graubünden (GR)
- Schwyz (SZ)
- Zug (ZG)
- Thurgau (TG)
- Glarus (GL)
- Schaffhausen (SH)
- Appenzell Outer-Rhodes (AR)
- Appenzell Inner-Rhodes (AI)
- Obwalden (OW)
- Nidwalden (NW)
- Uri (UR)
Approfondir le sujet
How to choose your health insurer in 2026
5 criteria to pick your LAMal insurer wisely and pay less for your profile.
7 min · LireTax optimization 2026: 7 levers to pull before December 31
Lesser-known deductions that can lower your 2026 tax depending on your situation — and how to use them before December 31.
8 min · Lire
Articles d'analyse récents
2026 LAMal premiums: why yours keeps rising
Breaking down the 6% average rise for 2026 and concrete levers to cap your bill without sacrificing coverage.
Lire l'articlePillar 3a 2026: new caps and the retroactive buy-in
The 2026 cap rises to CHF 7,258. And now you can retroactively fill the gaps of the past 10 years.
Lire l'article
Questions fréquentes sur Health insurance
Vos questions les plus courantes, avec des réponses claires de notre équipe éditoriale Polia.
- Is health insurance mandatory in Switzerland?
- Yes. Every Swiss resident must subscribe to basic health insurance (LAMal) within 3 months of arrival. Supplementary plans are optional.
- How much can I save by switching insurer?
- The gap between the most and least expensive insurer regularly reaches CHF 1,200 to CHF 1,800 per year for an adult — for identical LAMal benefits.
- When can I switch health insurer?
- Basic insurance must be cancelled by registered mail by November 30 for a January 1 switch. For supplementary plans, terms depend on the contract.
- Can I see any doctor with LAMal?
- Standard model: yes, free choice in all of Switzerland. Alternative model: must go through your designated entry point first — except life-threatening emergency.
- Is my GP in the network?
- Family doctor and HMO models have specific networks per insurer. Check the insurer's website with your doctor's ID before subscribing.
- LAMal and supplementary at different insurers?
- Yes — often recommended. Optimize basic LAMal at the cheapest insurer, and supplementary at the one with the best LCA offer.
- Can the new insurer refuse me?
- Basic LAMal: refusal forbidden by federal law. LCA: insurer may refuse or exclude pre-existing conditions.
- When does my premium drop?
- 2026 premiums rise 6% on average. To actually lower your premium, you must pull a lever yourself: switch insurer, raise deductible, or alternative model.
- How many children free?
- None. Each child has their own LAMal premium (~30% of adult rate), plus cantonal subsidy depending on family income.
- How do cantonal subsidies work?
- Cantons fund premium reductions for households under income/wealth thresholds. Apply at your cantonal social-insurance office. 30%+ of insured Swiss qualify.
- Cross-border worker?
- Cross-border workers (EU/EFTA residents working in Switzerland) have an option right: Swiss LAMal or home-country scheme. Decide within 3 months. Compare carefully — gap can reach CHF 3,000/year.
Pour aller plus loin
Cancel your health insurer: November 30 deadline, step-by-step
Legal deadline November 30 by registered mail for January 1 switch. Polia walks through each step and provides the cancellation template.
LAMal deductible explained: choosing 300 vs 2,500
Break-even math and Polia advice by health profile.
LAMal models explained
4 insurance models and their discounts (up to -20%).
LCA vs LAMal: 7 differences to know
Understand basic and supplementary insurance in Switzerland.
Cantonal premium subsidies 2026
30%+ of Swiss insured qualify for a reduction. How to calculate and apply.
Cross-border workers: LAMal or home scheme
The choice that can mean CHF 3,000/year — 3-month deadline.
Cross-border worker: LAMal or home-country system
Right of option within 3 months. LAMal covers care in CH; CMU covers home country. Honest comparison.
Birth: enrol child + review insurance
3 months to enrol baby in LAMal. Review prenatal LCA, life-risk, family 3a.
Cantonal LAMal subsidies
Cantonal aid up to CHF 600/month for modest households. Application, criteria, deadlines.
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Compare 30+ Swiss health insurers in 2 minutes — possible savings depending on your profile.
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