Health insurance
Basic LAMal
The mandatory basic plan — compare premiums by insurer and canton.
Basic LAMal benefits are identical across all insurers by law, but premiums vary. The main factor is your canton, then deductible (CHF 300-2,500), model (family doctor, HMO, telemedicine) and age. Polia sorts insurers for your profile.
All models
Standard, family doctor, HMO, telemedicine — compared at equal benefits.
By canton & municipality
26 cantons + 3 premium regions — exact calculation by postal code.
FAQ
- Does LAMal cover abroad?
- Partially — up to twice the Swiss tariff for emergencies. Travel insurance recommended outside Europe.
- Can I change deductible yearly?
- Yes, at the January 1 renewal (notice by November 30).