Plain language, four languages
We explain the whole system in German, French, Italian and English — and help you decide, not just hand you the data.
Basic insurance KVG/LAMal
Finally understand which franchise fits you best — and which insurer is cheapest.
Every insurer for your postcode and age, ranked by real total cost — premium, franchise and co-insurance in one number.
Healthcare costsFranchisesbest option
Your real saving, immediately
Enter postcode, age and your current insurer and see your personal difference in CHF per year — not a vague “up to X%”.
Real costs in CHF
The real total in CHF for every franchise level — not just the premium. You see at a glance which combination saves you the most.
The precautionary cancellation
Cancel by 30 November every year to keep your options open — with zero risk of ending up uninsured.
- Premium (Prämie)
- The fixed monthly amount you pay your insurer — whatever care you use.
- Franchise (deductible)
- The annual amount you pay yourself before insurance starts to contribute. You choose it between CHF 300 and CHF 2,500 (adults). A higher franchise means a lower premium.
- Co-insurance (Selbstbehalt)
- Once your franchise is used up, you pay 10% of any further costs yourself.
- The CHF 700 cap
- Your 10% co-insurance is capped at CHF 700 per year for adults (CHF 350 for children). Above that, basic insurance covers everything.
The words, in plain terms
Get a reminder before the deadline
We'll email you in time to review your premiums and switch before the 30 November deadline.