Bern, 3 October 2026 · News and Classification
The average health insurance premium increases by 5 percent to CHF 412 per month in 2027. The Federal Government reported this on September 29. Compared with 2026, CHF 19.70 is more. [1] This is expected to be CHF 236.40 per insured person on a statistical average for twelve months.
What the average is hiding
The average premium combines different age groups, residences, franchises and insurance models with a characteristic number. For the next year, the weights are also based on expected insured stocks.
Those who compare two monthly amounts should also note which rules apply and which costs are to be borne in the event of illness. A saving on the deposit note does not answer the question whether the offer fits everyday life.
The fall offers space for action
In order to change the basic insurance at the beginning of 2027, the termination must arrive at the previous cash no later than 30 November. At the same time, the registration is necessary for the new cash register. Additional insurances have other cancellation rules and must be examined separately. [3]
A cheaper model can provide the first contact with a specific practice or a telephone consultancy. A higher franchise lowers the premium, but increases the risk itself.
In the case of scarce financial circumstances, it is also worth examining a premium reduction. The cantons are competent; claims and procedures are governed by the respective cantonal rules. [5]
Classification: Discharge must arrive in everyday life
The poli... [truncated for model]