Health insurance: Premium comparison

The health insurance premiums are calculated by the insurers. The FOPH approves and publishes the premiums.

Premium approval

The insurers calculate the premiums for the compulsory health insurance (basic insurance) and the voluntary individual daily benefits insurance. They are required to submit the premiums to the FOPH for approval.

The FOPH checks that the premiums assure the insurer's solvency and safeguard the interests of the insured persons. It only approves premiums that comply with the statutory requirements and cover the costs. The premiums may not, however, be inappropriately higher than the costs or lead to excessive reserves.

Premium comparison

After giving its approval, the FOPH publishes the health insurance premiums: an overview of the premiums and a premium calculator for the compulsory health insurance are provided on the www.priminfo.ch website. The premiums for the voluntary individual daily benefits insurance are published directly on the FOPH website. Insured persons can use these aids to compare the premiums for the following year.

In addition to details of the new premiums, the FOPF also provides factsheets and further information for insured persons.

Documents

Premiums 2020

• Health insurance - premiums 2020 (in French) (PDF, 518 kB, 24.09.2019)
• Voluntary individual daily benefits insurance, premium rates with accident cover 2020 (PDF, 2 MB, 24.09.2019)
• Freiwillige Einzeltaggeldversicherung Prämientarife ohne Unfalldeckung 2020 (in German, French, Italian) (PDF, 2 MB, 24.09.2019)
• Primes moyennes cantonales sur toutes les classes d'âge pour 2020 de l'assurance oblig. des soins incl. franchises à option et modèles (in German, French, Italian) (PDF, 143 kB, 26.09.2019)
• Primes moyennes cantonales pour 2019/2020 de l'assurance oblig. des soins incl. franchises à option et modèles (in German, French, Italian) (PDF, 118 kB, 24.09.2019)
• Primes moyennes cantonales 2019/2020 de l'assurance oblig. des soins pour les adultes avec franchise 300 (enfants franchise 0) avec accident (in German, French, Italian) (PDF, 218 kB, 24.09.2019)
• Regionale Durchschnittsprämien 2020 der obligatorischen Krankenpflegeversicherung (in German, French and Italian) (PDF, 174 kB, 24.09.2019)

Fact sheets

• Factsheet: Changing health insurance provider – information for insured persons (in French) (PDF, 277 kB, 24.09.2019)
• Factsheet: Health Insurance Benefits 2018: Distribution by cost group (in French) (PDF, 529 kB, 24.09.2019)
• Fiche d'information : Chiffres-clés des assureurs-maladie (in French) (PDF, 259 kB, 24.09.2019)
• Fiche d'information : Fixation des primes de l’assurance-maladie et approbation par l’Office fédéral de la santé publique OFSP (in French) (PDF, 234 kB, 24.09.2019)
• Fiche d'information : Réduction des primes (in French) (PDF, 214 kB, 24.09.2019)
• Fiche d'information : Prime moyenne: un chiffre-clé pour l’évolution des primes dans l’assurance obligatoire des soins (in French) (PDF, 233 kB, 24.09.2019)
• Fiche d'information : Compensation des risques dans l’assurance-maladie : ajout des groupes de coûts pharmaceutiques (in French) (PDF, 224 kB, 24.09.2019)
• Fiche d'information : Fiche d'information: Compensation des primes encaissées en trop et réduction volontaire des réserves (in French) (PDF, 256 kB, 24.09.2019)
• Fiche d'information : Compensation des risques dans l’assurance-maladie : ajout des groupes de coûts pharmaceutiques (in French) (PDF, 270 kB, 24.09.2019)

Links

Priminfo

Opendata

Press releases

Java script is required to display press releases. If you are unable or unwilling to activate Java script you may use the link below to access the Federal Administration News Portal, where you can read the announcements.

To the Federal Administration News Portal

Legislation

CC 832.102 Ordinance on Health Insurance (KVV) (in French)

RS 832.12 Loi fédérale sur la surveillance de l'assurance-maladie sociale (Loi sur la surveillance de l'assurance-maladie, LSAMal)

RS 832.121 Ordonnance sur la surveillance de l'assurance-maladie sociale (Ordonnance sur la surveillance de l'assurance-maladie, OSAMal)

Last modification 24.09.2019