How much does a treatment cost in Switzerland?
Tell us what you are having done and in which canton. You get a realistic range with the official 2026 tariff and, below it, what you pay with your deductible. The whole calculation runs in your browser: nothing is sent anywhere.
— CHF
How it works in Switzerland: each year you pay the first bills yourself until you reach your deductible. From then on the insurance pays 90% and you the remaining 10%, capped at 700 CHF a year (350 for children).
Count what your visits and tests have cost this year, the total of the statements your insurer sends you, not what you paid out of your own pocket. The monthly premium does not go in here. If you have not been to the doctor this year, leave it at 0.
With these two figures we work out the number above: for a stay with an overnight, your share can be worked out almost exactly.
— CHF
How to read these figures. They are an estimate of the standard case. The tariff is not in francs: it is in points, and each canton multiplies the point by its own value. That is why the same thing costs a different amount in Zurich and in Bern. We use the exact value where the canton has already published it; where it has not, the national range (0.82–0.96). We apply that same point value to the operations with a fixed price: several cantons set it that way expressly, and where it is not on record the figure is an approximation of ours (RTS does that same sum).
The real bill depends on what is done to you: the time, the tests that are added and the materials change the sum. With operations, in the end it is the clinic that decides which price group yours falls into.
The “you pay” sum applies the normal cost sharing of basic insurance: the deductible plus a 10% co-payment, capped at 700 CHF a year for adults and 350 for children. It does not subtract the co-payment you have already paid this year, it does not model the joint cap for several children of one family, and with the medicines that carry a 40% co-payment it simplifies the special way their cap is worked out. Maternity has its own rule: its specific benefits (the pregnancy check-ups, the birth) never carry any cost sharing, and from week 13 neither do the rest of the benefits. Cannot find your case, or is it more complicated than this? Ask us: that is what we are here for.
Official data: the TARDOC 1.4c tariff and the 2026 outpatient flat rates (the OAAT fixed-price packages), the BAG Spezialitätenliste published on 13.08.2026 and the federal list of laboratory tests dated 01.07.2026. Sources consulted on 29.08.2026; the conversion into francs is our own calculation with the point value of each canton.
Want to bring down what you pay every month? Compare what each insurer costs in the calculator, or choose your deductible better with the optimiser. And if you want to understand the doctor’s bill from the inside, it is explained in the guide to the cost of the doctor.