Calculated with the official 2027 premiums of the Federal Office of Public Health (FOPH) – a service of RK Finance GmbH, Grossdietwil LU.Official FOPH premiums 2027 · RK Finance GmbH

Premium calculator 2026: how much could you save?

Enter your postal code, birth year and deductible — we check every insurer licensed in your premium region and show straight away how much you could save.

Official FOPH premiums, as of 29.09.2026 Free & no obligation Savings visible right away

Your details

Enter postal code, birth year and deductible — your possible saving appears instantly.

So we can work out your personal saving.
Deductible (CHF) A higher deductible lowers your monthly premium.
Accident coverage
Without accident coverage
If you work at least 8 hours/week, you're usually already covered against accidents through your employer — in that case choose "without accident".

Data source: Official FOPH premiums 2027

RK Finance GmbH, Grossdietwil LU FINMA register no. F01447236 Data used only for your consultation

Three steps to a comparison

1

Your key details

Postal code, birth year, deductible and model — four entries, under half a minute.

2

Your saving

We check every insurer in your premium region and show how much you could save.

3

Advice, if you want it

Entirely optional: we review your situation free of charge and handle the paperwork on request.

Who is behind the premium calculator?

A private Swiss comparison service – with a name, an address and a FINMA registration.

RK Finance GmbH, Grossdietwil

The calculator is a service of RK Finance GmbH in Grossdietwil (canton of Lucerne). The company is listed in the FINMA register as a non-tied insurance intermediary (no. F01447236).

About us

What happens to your data

Calculating needs no sign-up. We only need your name and phone number if you want a consultation – and only for that.

All details are transferred encrypted.

Your data

Official figures, openly explained

All premiums come from the dataset of the Federal Office of Public Health (as of 29.09.2026). We show how we calculate your savings potential – and where to find the complete list of all premiums.

How we calculate

Why the comparison is worth it

Insurers charge very different premiums for exactly the same statutory basic cover. Depending on where you live, your deductible and your model, several hundred francs a year can separate the most expensive policy from the cheapest — with benefits that are identical by law. And switching itself costs nothing.

Keep the notice period in view

Cancel your basic insurance by 30 November and the switch takes effect on 1 January of the following year. Watch out for alternative models with a fixed contract term: deadlines there sometimes differ — we are happy to check that for you.

Questions and answers

What data is the calculator built on?
On the official premium dataset the Federal Office of Public Health (FOPH) publishes every year for all licensed health insurers. Nothing in it is estimated, extrapolated or second-hand.
Which premiums does the calculator show?
The calculator shows the new 2027 premiums approved by the FOPH. They apply from 1 January 2027, so they are exactly the amounts that matter for switching insurer at the start of the year. Your current 2026 premium stays valid until 31 December 2026.
Why does my premium depend on my postal code?
Because the Federal Council splits every canton into up to three premium regions. Two municipalities in the same canton can therefore pay noticeably different premiums for the same product from the same insurer — in places the gap exceeds 20 per cent.
Standard, family doctor/HMO, Telmed or flexible – what's the difference?
The standard model leaves you free choice of doctor. With the savings models you commit to contacting a set first point of call when you fall ill — your GP or an HMO health centre, a telemedicine service by phone or app or, with the flexible models, depending on the offer also a pharmacy. In return the premium often drops noticeably. From 2027 the FOPH groups family doctor and HMO models into one category.
Which deductible suits me?
Rule of thumb: the higher the deductible, the lower the premium — but the more you pay yourself when you fall ill. If you rarely see a doctor, a high deductible usually works out cheaper; with predictable, regular treatment the low deductible pays off. The calculator shows you both in seconds.
By when do I have to cancel?
For basic insurance the date is 30 November: if your cancellation reaches the insurer by then, you are covered by the new one from 1 January of the following year. Alternative models with a multi-year term can have a different deadline — a look at your policy, or a quick question to us, settles it.
What does the consultation cost me?
Nothing. Neither the comparison nor the conversation with an advisor from RK Finance GmbH afterwards costs you anything, and you take on no obligation whatsoever. Whether and when you switch is entirely your call.
Who is behind pramienrechner2026.ch?
The calculator is a service of RK Finance GmbH in Grossdietwil (canton of Lucerne), listed in the FINMA register as a non-tied insurance intermediary (no. F01447236). Company details, address and contact are on the "About us" page.
Does pramienrechner2026.ch use the same figures as priminfo.ch?
Yes. We use the official premium data of the Federal Office of Public Health (FOPH) – the same figures the federal premium calculator at priminfo.ch shows, for all insurers, premium regions, models and deductibles. On top of that, our calculator shows you your personal savings potential.
What happens to my details?
What you type into the calculator stays in your browser as long as you submit no form. If you request advice, we transmit your contact details encrypted and use them only for that advice by RK Finance GmbH.