Question 1

Is the request free of charge?

Accepted Answer

Yes. Your request is free and non-binding. You decide for yourself whether you'd like to switch.

Question 2

Do I have to switch health insurer afterwards?

Accepted Answer

No. The comparison simply shows your possible options. You only switch if you actively choose to.

Question 3

What happens after I submit my request?

Accepted Answer

We review your details and get back to you with a personal comparison or the next steps.

Question 4

Does the calculator also compare supplementary insurance?

Accepted Answer

The calculator focuses on mandatory basic insurance (KVG/OKP). We review supplementary insurance separately on request, because its benefits, premiums and acceptance conditions vary from person to person.

Question 5

Do you need any health information?

Accepted Answer

For a basic insurance comparison alone, no health information is needed. For supplementary insurance, health questions can become relevant.

Question 6

How up to date are the premiums?

Accepted Answer

We use the 2026 basic insurance premiums approved by the Federal Office of Public Health (FOPH).

Question 7

How much can I actually save?

Accepted Answer

Your potential savings depend on your place of residence, age, current insurer, deductible, model and accident cover. Your personal comparison shows whether — and by how much — a lower premium is possible.

Question 8

Do I have to cancel my health insurer myself?

Accepted Answer

With your approval, we support you through the next steps of the switch, including cancelling your old insurer and registering with the new one. You decide whether and when you want to switch.

Question 9

By when can I switch health insurer?

Accepted Answer

You can cancel basic insurance effective 31 December each year (your cancellation must reach the insurer by 30 November at the latest). If your premium rises, a shorter deadline applies, running until the end of the following month.

Question 10

Is my data secure?

Accepted Answer

Yes. Your data is transmitted encrypted (SSL), handled in line with Swiss data protection law and never sold on to third parties.

Question 11

What is a pharmacy model?

Accepted Answer

In a pharmacy model, your regular pharmacy is your first point of contact for medical questions. The pharmacy advises you, dispenses over-the-counter medication or refers you to a doctor. Benefit: a premium discount of typically 10 to 15%, long opening hours and no waiting times. Drawback: you have to stick to your chosen pharmacy, emergencies excepted.

Question 12

How does the digital / app model work?

Accepted Answer

In a digital model, every course of treatment starts through the insurer's app or online symptom checker (e.g. Sanitas Compact One, Helsana BeneFit PLUS Digital, SWICA Benevita). Within minutes you get a recommendation, often a direct video consultation. Benefit: a high discount (up to 20%), available 24/7, ideal for digitally minded users. Drawback: first contact is only via the app, which isn't right for everyone.

Question 13

What is a list model?

Accepted Answer

In a list model, you freely choose your doctor from a list of recommended doctors set by the insurer (e.g. Helsana Premed-24, KPT Win.Doc). Benefit: a much wider choice than the family doctor model, still with a premium discount of around 8 to 12%. Drawback: not every doctor you'd like is on the list, and if you change treating doctor you have to choose again.

Question 14

What does a combi model mean?

Accepted Answer

Combi models combine Telmedicine with a family doctor or pharmacy (e.g. SWICA Favorit Casa, ÖKK Care Family). You first call the Telmedicine service and, if needed, are referred to your family doctor or regular pharmacy. Benefit: maximum flexibility at an attractive discount. Drawback: two sets of rules to follow, with penalties if you break them.

Question 15

Which alternative model is right for me?

Accepted Answer

Rule of thumb: if you're healthy and comfortable with the phone or an app, go for Telmedicine or Digital. If you have a regular family doctor, choose the family doctor or list model. If you pick up prescriptions regularly at the same pharmacy, the pharmacy model fits. If you want maximum flexibility, take a combi model. The basic benefits are identical in every model — only the way you make first contact differs.

Swiss health insurance
Premium Calculator 2026

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