Health insurance premiums 2027
This page provides important information about basic health insurance and the associated 2027 premiums. You’ll also find tips on ways to reduce your premiums.
Swiss health insurance premiums are rising because healthcare costs are rising. Reasons for the cost increases include new treatment methods and medications, an ageing population and the inclusion of more benefits under basic health insurance.
There are various ways to reduce your health insurance premiums. Check out our article Five tips on how to save on your health insurance to find out more.
Change your basic health insurance model
Avoid unnecessary accident insurance
If you work at least 8 hours per week for the same employer, then you already have accident insurance through this employer. This means you can exclude accident insurance from your basic health insurance, reducing your premiums by 7%.
Pay your premiums in advance
Save 1% by paying your premiums annually in advance. Save 0.5% by paying six-monthly in advance. You can easily amend your payment schedule under Payment options.
Select a higher deductible
Do you rarely need to visit a doctor? To keep your premiums low, simply select the highest deductible of CHF 2,500.–. You can once a year.
Contact us for advice
Our team is available Monday to Thursday, 8:00 to 12:00 and 13:30 to 17:00, Friday from 08:00 to 12:00 and 13:30 to 16:00. On request, we can also offer you a consultation at a pre-arranged time and date, for example during your lunch break.
General insurance tips
Family doctor model: how does it work and what are the advantages and disadvantages?
Your GP (family doctor) is your first point of contact in the event of medical problems. The coordination of your treatment by the GP provides efficiency and reduces costs. With our GP (family doctor) models KPTwin.doc and KPTwin.win as well as our digital model with GP KPTwin.smart, we pass this saving on to you in the form of generous premium discounts. You can also make use of our free telemedical consultation service 24/7. With KPTwin.win, you can additionally contact partner pharmacies as a first port of call.
Changing your health insurer: deadlines and procedure
In Switzerland, you can give notice of your intention to cancel your basic health insurance up to 30 November and switch as of 1 January. Please note that you must not have any unpaid bills with your health insurer on 31 December. Other deadlines apply to supplementary health insurance. Read on to find out how to change health insurer and how to save when doing so.
What is the HMO model and what are the advantages and disadvantages?
In Switzerland, the HMO model is an alternative, cost-effective insurance model for basic health insurance. HMO stands for health maintenance organisation. With the HMO model, you choose a doctor from a doctors’ network to be your first point of contact. They may refer you to other specialists as and when necessary. An HMO model can also include group practices in which general practitioners, specialists and therapists collaborate to provide care.
Save time with the user-friendly online symptom checker
Dry cough, or is it pneumonia? With the Well app, you can simply check your symptoms online and immediately receive a medical assessment based on the information provided. You can then follow the recommendations or contact your GP if necessary. It is so convenient – the Well app and symptom checker form part of the digital basic health insurance model, KPTwin.smart, meaning you can manage your health using the app and save both time and doctor’s costs.
