Health insurance premiums are continuing to rise, which is why a periodic comparison is worth it. As of January 1, 2025, new premiums entered into force, which may have had a significant impact on your budget.
Health insurance premiums have been on a constant rise for years, creating a financial challenge for many households. In 2025, they recorded a further increase of between 3% and 5%. Rising premiums are a particular burden for families, the self-employed, and individuals with a low income.
Basic insurance is compulsory for all residents of Switzerland, with benefits government mandated and identical across providers.
The level of premiums varies by canton, place of residence, age, and insurance provider.
Supplementary insurance is voluntary and provides additional coverage, for instance for alternative medicine or a single room in hospitals.
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Annually, ideally prior to the deadline for switching to be able to react in time.
A higher deductible leads to lower monthly premiums and is rewarding for persons who rarely require medical care.
Yes, supplementary insurance options are subject to different notice periods than basic insurance. Check your terms and conditions for details.
So-called primary-care models or telemedicine models are less expensive, as they combine restrictions in terms of physician access with lower premiums.
Compulsory basic insurance can be canceled up to November 30. Supplementary insurance tends to be subject to different notice periods, which are established in the respective contract.
