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Health Insurance Comparison

Premium by Canton

Choose your canton on the map to discover the current official premiums and compare them with the most cost-effective alternatives.

Cantones 🇨🇭

Why do health premiums change based on your city?

According to the Swiss compulsory health insurance law (LAMal/KVG), premiums are not calculated uniformly for the entire country, but are strictly based on the actual health care costs generated within each canton. Additionally, most cantons are internally subdivided into "Premium Regions" (Prämienregionen) delimited by Postal Code. Therefore, your official place of residence defines your premium. At FinderSpot, we integrate the mathematically updated official rates dictated by the Federal Office of Public Health (BAG) to calculate your savings with extreme precision.

Frequently Asked Questions (FAQ)

Why does my health insurance cost differently than in another city in my same canton?
In Switzerland, the LAMal law divides cantons into up to 3 "Premium Regions" (Prämienregionen). The price depends on the statistical health care costs of your exact postal code. That is why moving to the next town can drastically alter your monthly rate.
If I move to another canton, must I change my health insurer (Krankenkasse)?
It is not mandatory, but it is strategically highly recommended. Your current insurer will adjust your fee to the official rate of your new city. The company that was the cheapest in your old canton is rarely still the most economical option in your new destination.
Do basic medical benefits (Grundversicherung) change by canton?
No. The medical benefits of the basic insurance are strictly regulated by the Federal Law (KVG) and are exactly the same throughout Switzerland, regardless of the city you live in or the premium you pay.
Can I apply for premium reduction (Prämienverbilligung) if I move?
Each canton has its own rules, income limits, and deadlines for requesting these subsidies (IPV). If you move to a new canton, you must find out the details and register again at the corresponding cantonal office of your new residence.
Are prices updated automatically when moving?
Yes. Your current insurer will adjust your rate to the new region from the month following the moment you officially notify your change of address (Abmeldung/Anmeldung) at your new municipality (Gemeinde).

Compare the official premiums in your canton

Pick your canton on the map to see its premiums, or get your personalized quote in under 1 minute — free and no obligation.