Premium calculator
2026
Every insurer in your municipality, with its official premiums — and what you would save against yours.
Type the year of birth as 4 digits — 1992, say, not your age.
Fill in year and municipality — the button lights up by itself.
Everything is computed in your browser, not on a server of ours. While you compare, what does leave: your region’s premium table, your answers in the page address, and pseudonymous usage counters.
How do you want to do this?
Both paths end at the same official premiums.
Who is this for?
Why do we ask?
In basic insurance every person pays their own premium — there is no “family premium”. But with children, discounts kick in, and every insurer applies them differently — so the household total depends on the insurer you pick.
Who's being insured?
Why only the year of birth?
Basic insurance never looks at your health: by law, nobody can charge you more for being ill. Only age counts, in three price groups — up to 18, 19 to 25, and 26 plus. The year of birth sets the group and which deductibles exist.
How often do you see a doctor?
What is the deductible, and why does it matter?
The deductible is what you pay out of pocket each year before basic insurance starts paying. Adults choose between 300 and 2500 CHF; children between 0 and 600. Past the deductible you still pay 10% of every bill, capped at 700 CHF a year (350 for children).
The maths: spend less than ≈1'800 CHF a year and the maximum wins (the premium drop outweighs the risk); spend more and the minimum wins. The middle ones almost never pay off. Children stay at 0.
Official amounts from the Confederation (LAMal/ch.ch).
Do you think your medical costs will top 1'800 CHF this year? (appointments, medication, physio…) That's where the maths flips.
Do you work 8 hours a week or more?
What does work have to do with it?
Anyone working 8 hours a week or more for the same employer is already insured against accidents through the employer (UVG accident insurance law). Keeping it in basic insurance too would mean being insured twice, so you can drop it and the premium falls.
Below 8 hours, or not working, you must keep it included. For children we keep it included: hardly any minor works 8+ contracted hours.
Official rule of the Confederation (UVG/ch.ch).
How do you prefer to see a doctor?
Pick as many as you like.
If they all cover the same, what changes?
Basic insurance coverage is identical at every insurer and in every model — the law fixes it. The only difference is your first stop when you are ill: “anyone I like” is the classic model and the priciest; with a family doctor, an HMO centre or phone-first you commit to a fixed first contact and the premium drops in return.
Emergencies are always exempt: you go straight in. Gynaecological check-ups and eye tests are, as a rule, exempt too.
How much would you save?Type what you pay and every row shows your saving
Only the mandatory basic insurance part (KVG/LAMal) — supplementary plans are billed separately.
If one fits, Pepin handles everything
Tap the rows you like (up to 4) and they will be registered for the call — to switch insurer, or for your first Swiss policy.