Families
Switzerland has no single family policy, so every family member needs their own basic insurance, four premiums for a family of two adults and two children. That is also where the biggest savings sit: with the right insurer, model and deductible for each person, families save up to CHF 10'249 a year.
A typical family of four (two adults, two children) pays CHF 1'175.60 a month for basic insurance, about CHF 14'107 a year, roughly CHF 600 more than in 2025. Averages: adults CHF 465.30, young adults CHF 326.30, children CHF 122.50 a month.
Some insurers give 10 to 15% off the children's premium from the 2nd child (e.g. Assura, Sanitas) or the 3rd child (e.g. Agrisano, Concordia, Helsana, KPT, ÖKK, SWICA, Visana). Always compare the final price, a discount can still be dearer than separate insurers.
The cheapest insurer for adults is rarely the cheapest for children, so compare children's premiums separately. Agrisano is cheapest in 28 of 42 premium regions, Visana leads in 7, and SWICA is consistently top three in urban areas.
For healthy adults, choose the CHF 2'500 deductible and an alternative model (HMO or Telmed), up to CHF 3'000 saved per adult a year. For children, choose the CHF 0 deductible; their maximum out-of-pocket is CHF 350 a year versus CHF 700 for adults.
A family of four on the standard model with a CHF 300 deductible pays about CHF 15'600 a year. The same family on HMO with a CHF 2'500 deductible pays about CHF 9'960, a saving of CHF 5'640 a year.
Basic insurance covers seven check-ups, two ultrasounds, delivery in hospital, a birth centre or at home, and midwife aftercare. From the 13th week of pregnancy until 8 weeks after birth, the deductible and excess are waived entirely.
Register your baby between the 5th and 8th month of pregnancy so it is insured from the first minute, including supplementary insurance with no health assessment. Basic insurance must accept every child, but supplementary insurance does not, so prenatal sign-up removes the rejection risk.
Dental cover is strongly recommended, basic insurance pays nothing for dental care and orthodontics can cost CHF 5'000 to 15'000 (from about CHF 8 to 15 a month for children). Take it out early and never cancel it, even when switching insurer.
At 19 the premium jumps from CHF 122.50 to CHF 326.30 a month (+166%); at 26 it rises again to CHF 465.30 (+43%). The change happens automatically on 1 January, so compare insurers in good time and do not cancel supplementary plans, health checks get stricter.
No. Each family member can be with a different insurer. A mix is often the cheapest option.
No. Every family member needs their own policy with its own premium, which means you can choose the insurer, model and deductible individually for each person.
Within 3 months of birth, with cover backdated to the birth date. We recommend prenatal sign-up between the 5th and 8th month.
For most children, the CHF 0 deductible. The maximum annual excess is CHF 350 per child.
It is 10% of costs above the deductible, capped at CHF 350 a year per child (CHF 700 for adults). The family maximum at the same insurer is CHF 1'000.
Yes. Each family member's insurance is completely independent.
From 1 January of the year in which they turn 19. The premium rises from an average of CHF 122.50 to CHF 326.30.
Basic insurance only in severe cases. Supplementary dental insurance covers 50 to 75%. Take it out before the first dental visit.
Yes. From the 13th week of pregnancy until 8 weeks after birth, the deductible and excess are waived entirely.
With 2 to 3 children that is CHF 40 to 60 a month, or CHF 480 to 720 a year. With four policies, every optimisation counts four times.
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