Transparent comparison
LAMal deductible comparison using your premiums
Enter gross costs of recognised compulsory-insurance benefits before deductible and retention fee, plus annual premiums you were actually offered. The tool compares only your inputs, with no invented price or automated recommendation.
Your annual premiums by deductible
Compare like for like: same premium year, person and age group, home and premium region, insurer, model, accident cover and discounts. Leave any unavailable deductible blank.
Private calculation: amounts stay in your browser and are not stored or transmitted.
Calculated ranking
Enter annual costs first, including 0 if you expect none.
The lowest figure is a mathematical result based solely on your inputs. It is not a recommendation or a forecast of costs or reimbursements. Check the offer and your circumstances with the insurer.
Calculation method
For each premium entered, the total adds the annual premium and ordinary cost sharing: the deductible is paid up to treatment costs, then 10% of the balance, capped at CHF 700 for an adult or CHF 350 for a child.
Rows are ranked by increasing total. When totals tie, more than one deductible can share the minimum. Missing premiums are never estimated.
Not included in the result
- CHF 15 daily hospital contribution and the 40% retention fee for certain medicines, which can exceed the ordinary cap.
- Exemptions, maternity, reimbursement decisions, your actual future health and non-covered benefits.
- Family cap when several children are insured with the same health insurer.
- Accidents covered by accident insurance under the AIA, which do not follow this LAMal calculation.
- Availability of deductibles, permitted discounts, care model, accident cover and offer conditions.
- Never delay or forgo healthcare based on this calculation alone.