Your profileWhere you live, age and cover
Age group
Accident cover
Choose “without” if you work 8 or more hours a week for one employer.
Deductible
Insurance model
Standard = free choice of doctor. The FOPH lists Telmed separately only from 2027, so it is grouped with the other models (e.g. pharmacy, flexible models).
Pick your own insurer to see its history. If an insurer has several plans in this model, the cheapest one counts.
Monthly premium since 2011
All figures as a table
How it is calculated
- Source: official FOPH premium data (priminfo.admin.ch) for 2011 to 2027.
- Chosen model: average of all insurers offering this model in your premium region (for each insurer its cheapest plan in the model), with the chosen deductible – not weighted by number of insured. Or the premium of the insurer you picked.
- Cheapest offer: the lowest premium of all insurers and all models (including family doctor, HMO and Telmed) with the same deductible, chosen anew every year. The region is today's premium region of where you live; in 2018 some municipalities moved to another region.
- Inflation: Swiss consumer price index (FSO), annual averages up to 2025. The grey line shows what the premium would be if it had only risen like prices in general since 2011.
Which deductible pays off for you in 2027? Go to the deductible calculator →