Health insurance: Premium regions

The Federal Department of Home Affairs (FDHA) divides larger cantons, within which costs vary widely, into two or three premium regions. It also determines the maximum permissible differences in premiums between regions. 

Communes in the cantons of Bern, Graubünden, Lucerne, St Gallen and Zurich are assigned to three different premium regions. The cantons of Basel-Landschaft, Fribourg, Schaffhausen, Ticino, Vaud and Valais each have two premium regions.

Health insurers can charge different premiums for different regions. However, the differences are limited as follows:

  • a maximum of 15% between Region 1 and Region 2
  • a maximum of 10% between Region 2 and Region 3

This means that the premiums paid by people in the above-mentioned cantons depend on their commune of residence and the premium region to which it is assigned.

The FDHA commissions regular reviews to ensure that the premium regions and the permissible differences in premiums are still appropriate. The maximum permissible discounts are specified in its own ordinance (FDHA Ordinance on Premium Regions). The current regions are listed in the Annex to this ordinance.

The health insurance premium is partly dependent on the premium region to which the insured person’s place of residence belongs. The FDHA ordinance specifies the premium region applicable to the commune in question. The Excel spreadsheet can be used to search for various criteria such as place name or postcode. However, these criteria are merely intended to facilitate a search, for instance if the name of the commune is unknown. The commune’s premium region specified in the FDHA ordinance is authoritative.


Last modification 01.02.2022

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Premiums and Solvency Oversight Section
Schwarzenburgstrasse 157
3003 Bern
Tel. +41 58 462 21 11

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