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 2019

• Health insurance - premiums 2019 (in French) (PDF, 408 kB, 24.09.2018)
• Voluntary individual daily benefits insurance, premium rates with accident cover 2019 (PDF, 580 kB, 24.09.2018)
• Freiwillige Einzeltaggeldversicherung Prämientarife ohne Unfalldeckung 2019 (in German) (PDF, 2 MB, 24.09.2018)
• Primes moyennes cantonales pour 2018/2019 de l'assurance oblig. des soins incl. franchises à option et modèles (in German, French, Italian) (PDF, 109 kB, 24.09.2018)
• Primes moyennes cantonales 2018/2019 de l'assurance oblig. des soins pour les adultes avec franchise 300 (enfants franchise 0) avec accident (in German, French, Italian) (PDF, 78 kB, 24.09.2018)
• Regionale Durchschnittsprämien 2019 der obligatorischen Krankenpflegeversicherung (in German, French and Italian) (PDF, 177 kB, 04.04.2019)

Fact sheets

• Factsheet: Changing health insurance provider – information for insured persons (in French) (PDF, 106 kB, 24.09.2018)
• Factsheet: What are the premiums used for? (in French) (PDF, 148 kB, 24.09.2018)
• Fiche d'information : Chiffres-clés des assureurs-maladie (in French) (PDF, 217 kB, 28.09.2018)
• Fiche d'information : Fixation des primes de l’assurance-maladie et approbation par l’Office fédéral de la santé publique OFSP (in French) (PDF, 105 kB, 24.09.2018)
• Fiche d'information : Réduction des primes (in French) (PDF, 96 kB, 24.09.2018)
• Fiche d'information : Prime moyenne: un chiffre-clé pour l’évolution des primes dans l’assurance obligatoire des soins (in French) (PDF, 234 kB, 24.09.2018)
• Fiche d'information : Compensation des risques dans l’assurance-maladie : Les jeunes adultes entre 19 et 25 ans seront déchargés (in French) (PDF, 214 kB, 24.09.2018)

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 04.04.2019