How we calculate
Where our figures come from, how your savings potential is worked out and what the calculator does not take into account.
The data source
All premiums come from the official premium dataset that the Federal Office of Public Health (FOPH) publishes every year. The calculator uses the 2027 premiums, data as of 29.09.2026.
- Insurers in the dataset
- 32
- Premium regions
- 44
- Municipalities mapped
- 2’104
- Valid from
- 1 January 2027
Why your postal code matters
Your premium depends on where you live. Each canton has one to three premium regions, and a single postal code can even cover municipalities in different regions. The calculator therefore maps your postal code to the right municipality and premium region – and asks you when that is not clear.
How your savings potential is worked out
- We look up all offers for your premium region, age group, deductible, model and accident cover.
- With your current insurer: we compare your insurer's cheapest offer with the cheapest offer of all insurers – same model, same deductible. The difference per year is your savings potential.
- Without your insurer: we show the range between the most expensive and the cheapest offer. That is the most you could save.
- If the difference is less than CHF 60 a year, we tell you plainly: your insurer is already one of the cheapest.
What the calculator does not take into account
- Your canton's individual premium reduction (IPV).
- Discounts for further children in the same family – the calculator shows the premium for the first child.
- Supplementary insurance. The calculator covers basic insurance (KVG) only.
- The insurer's offer or policy is always what counts.
Why we do not show a ranking with names
The cheapest insurer is not the right one for everyone: models, the rules of GP and telemedicine models, lists of doctors and service differ. That is why we show you your savings potential and, if you like, discuss the right solution in the free consultation.
The complete, official list of all premiums of all insurers is public: you can find it at any time in the federal premium calculator at priminfo.ch.
Our figures and those on priminfo.ch come from the same source. If an amount differs, the insurer's figure applies.