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Official 2026 premiums

Swiss premiums for cross-border workers: compare the correct entries

People insured in Switzerland but resident in the EU, EFTA or UK have dedicated premium tables. A standard Swiss cantonal premium may therefore be irrelevant.

Each link states its original language. This content relies only on FOPH, Priminfo and the cited cantonal authority; some official annexes are available only in German, French or Italian.

Variables in the official data

Country of residence

Official premiums are published by country of residence for the persons concerned.

Insurer and age group

The 2026 report separates insurers and age groups.

Accident risk

Versions with and without accident cover are listed separately; suspension can depend on employment-related accident insurance.

Checks before comparing

Only compare data that describe the same regulatory profile.

  1. Swiss system confirmed

    Confirm Swiss insurance applies before using LAMal premiums.

  2. Country and age

    Select the correct residence country and age group.

  3. Accident cover

    Use the version confirmed by the insurer.

  4. Year and source

    Use Priminfo or the FOPH 2026 report and check the effective period.

No premium estimate

  • This page estimates no amount; only current FOPH and Priminfo figures are authoritative.
  • Premium-subsidy eligibility and responsible authority depend on status and require official confirmation.
  • Premium alone does not decide the option right or healthcare arrangements.

Verified official sources

Each link states its original language. This content relies only on FOPH, Priminfo and the cited cantonal authority; some official annexes are available only in German, French or Italian.

Next step

Prepare a comparison request

Choose the insurance area that matches your need. The form opens on a protected page and you remain free not to submit it.

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Cross-border commuter hub

Treat legal responsibility, procedure, official premium and access to care as separate decisions.

Cross-border commuter hub

Health insurance for cross-border commuters: decide in the right order

Residence alone does not determine the applicable system. Place of work, nationality, professional and family situation, and coordination rules must be checked before any application.

Read the guide Assignment and exemption

The option right: check first, choose second

The option right is a regulated legal possibility, not a free commercial choice between policies. The responsible state must be identified before any formal exemption process.

Read the guide Residence in France

France: exercise the choice of health system correctly

Where the France–Switzerland option applies, the choice must be documented with the official form. Comparing contributions alone does not complete the process.

Read the guide Cross-border healthcare

Healthcare and reimbursement: separate residence, Switzerland and travel

Documents and cost sharing change with the country of treatment. S1, EHIC and Swiss rules serve different purposes.

Read the guide
Decide with visible rules

Continue with reliable information

Read the guides, explore regional pages or prepare a comparison request separately from the calculation.

Guides

Health insurance guide

Compare models, deductibles and extra cover.

Read the guide Guidance by life situation

Insurance for your situation

Connect your situation with useful guides, tools and pathways without profiling or an automated product recommendation.

Open tool Care pathways with visible rules

Educational comparison of Swiss basic insurance models

Compare the general care pathways of Standard, family doctor, HMO and telemedicine models without prices or recommendations.

Open tool Verified federal source

KVG/LAMal directory

Search locally across 34 health insurers from the official FOPH list effective 1 January 2026, with FOPH number, published name and listed website.

Open tool LAMal & supplementary

Health comparison request

Compare models, deductibles and extra cover.

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