Insurer comparison · official key figures4 of at most 4 chosen
Insurers side by side
Choose two to four insurers. We show key figures, premium level and models from FOPH data side by side, without ratings and without a winner.
- Agrisano
- Aquilana
- Assura
- Atupri
- Avenir
- CONCORDIA
- CSS
- curaulta
- EGK
- Einsiedler Krankenkasse
- Galenos
- Glarner Krankenversicherung
- Helsana
- KPT
- Krankenkasse Birchmeier
- Krankenkasse Steffisburg
- Krankenkasse Visperterminen
- Krankenkasse Wädenswil
- Luzerner Hinterland
- Mutuel
- ÖKK
- Philos
- rhenusana
- sana24
- Sanitas
- SLKK
- sodalis
- Sumiswalder
- SWICA
- Sympany
- Visana
- vita surselva
| Philos | Avenir | Mutuel | Sympany | |
|---|---|---|---|---|
| Group | Groupe Mutuel | Groupe Mutuel | Groupe Mutuel | none |
| Cantons with premiums 2027 | 26 | 26 | 26 | 26 |
| Insured people 2024 | 200,097 | 179,944 | 334,760 | 211,968 |
| Market share | 2.2% | 2.0% | 3.7% | 2.4% |
| Solvency ratio | 118% (01.01.2025) | 107% (01.01.2025) | 121% (01.01.2025) | 163% (01.01.2025) |
| Reserves per person | CHF 250 | CHF 481 | CHF 421 | CHF 572 |
| Administration per person | CHF 190 | CHF 197 | CHF 204 | CHF 228 |
| Claims ratio | 104.2% | 94.6% | 97.9% | 90.6% |
| Premium index 2027 | 108.2 | 105.1 | 103.8 | 101.6 |
| Models | Standard model (free choice of physicians) (1), GP and HMO models (2), Flex models (1), Telemedicine and other models (1) | Standard model (free choice of physicians) (1), GP and HMO models (2), Flex models (1), Telemedicine and other models (1) | Standard model (free choice of physicians) (1), GP and HMO models (2), Flex models (1), Telemedicine and other models (1) | Standard model (free choice of physicians) (1), GP and HMO models (2), Flex models (2), Telemedicine and other models (1) |
| Satisfaction (survey) | no published value | no published value | no published value | 4.9 out of 6 (comparis.ch AG 2026) |
Sources: FOPH, supervisory data for compulsory health insurance (T 5.01), financial year 2024; KVG solvency test (KVD); FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026. Premium index: 100 = average of all insurers in the same premium regions (adults, standard model, CHF 300 deductible, with accident cover).
Premium level in shared cantons
| Canton | Philos | Avenir | Mutuel | Sympany |
|---|---|---|---|---|
| Aargau | 105.6CHF 629.60 / month | 104.3CHF 622.10 / month | 105.1CHF 626.80 / month | 103.1CHF 615.00 / month |
| Appenzell Inner Rhodes | 103.7CHF 496.80 / month | 118.5CHF 567.50 / month | 100.7CHF 482.50 / month | 99.8CHF 478.00 / month |
| Appenzell Outer Rhodes | 117.0CHF 672.30 / month | 108.9CHF 625.90 / month | 115.4CHF 663.20 / month | 95.5CHF 549.00 / month |
| Basel-City | 114.6CHF 854.70 / month | 94.7CHF 706.00 / month | 95.9CHF 715.10 / month | 94.7CHF 706.00 / month |
| Basel-Country | 108.1CHF 745.20 / month | 99.2CHF 684.00 / month | 101.4CHF 699.10 / month | 102.8CHF 707.50 / month |
| Bern | 110.5CHF 711.40 / month | 102.7CHF 661.73 / month | 100.5CHF 646.73 / month | 101.6CHF 652.67 / month |
| Fribourg | 104.8CHF 638.20 / month | 106.6CHF 649.10 / month | 103.1CHF 627.60 / month | 96.9CHF 590.00 / month |
| Geneva | 101.9CHF 793.50 / month | 99.5CHF 774.30 / month | 100.1CHF 779.30 / month | 93.0CHF 724.00 / month |
| Glarus | 99.0CHF 552.80 / month | 100.9CHF 563.10 / month | 101.1CHF 564.20 / month | 113.9CHF 636.00 / month |
| Graubünden | 107.3CHF 598.90 / month | 110.1CHF 614.50 / month | 99.7CHF 556.67 / month | 102.8CHF 574.00 / month |
| Jura | 98.5CHF 703.50 / month | 111.1CHF 793.90 / month | 97.7CHF 698.10 / month | 96.2CHF 687.00 / month |
| Lucerne | 109.1CHF 611.93 / month | 100.4CHF 563.30 / month | 116.7CHF 654.67 / month | 98.0CHF 549.67 / month |
| Neuchâtel | 102.8CHF 757.70 / month | 95.6CHF 704.50 / month | 99.1CHF 730.20 / month | 113.3CHF 835.00 / month |
| Nidwalden | 110.6CHF 572.30 / month | 106.2CHF 549.50 / month | 117.3CHF 607.30 / month | 98.5CHF 510.00 / month |
| Obwalden | 104.0CHF 544.40 / month | 114.6CHF 599.80 / month | 97.7CHF 511.50 / month | 108.7CHF 569.00 / month |
| Schaffhausen | 104.9CHF 630.35 / month | 114.1CHF 686.20 / month | 111.1CHF 667.50 / month | 104.6CHF 628.00 / month |
| Schwyz | 106.7CHF 579.60 / month | 101.9CHF 553.40 / month | 106.4CHF 578.10 / month | 100.5CHF 546.00 / month |
| Solothurn | 112.6CHF 712.60 / month | 112.1CHF 709.10 / month | 103.7CHF 656.10 / month | 103.4CHF 654.00 / month |
| St. Gallen | 119.9CHF 684.27 / month | 103.9CHF 592.40 / month | 99.5CHF 567.93 / month | 104.2CHF 594.00 / month |
| Thurgau | 113.6CHF 652.00 / month | 99.4CHF 570.20 / month | 104.6CHF 600.10 / month | 106.3CHF 610.00 / month |
| Ticino | 104.1CHF 779.05 / month | 105.9CHF 793.00 / month | 104.7CHF 783.25 / month | 107.1CHF 802.50 / month |
| Uri | 113.2CHF 589.10 / month | 104.4CHF 543.30 / month | 110.7CHF 576.10 / month | 94.5CHF 492.00 / month |
| Valais | 109.4CHF 629.55 / month | 109.5CHF 629.40 / month | 104.5CHF 601.00 / month | 101.2CHF 582.50 / month |
| Vaud | 104.8CHF 730.50 / month | 100.9CHF 703.10 / month | 100.5CHF 700.00 / month | 97.5CHF 679.00 / month |
| Zug | 101.8CHF 455.60 / month | 97.8CHF 437.80 / month | 96.4CHF 431.40 / month | 95.4CHF 427.00 / month |
| Zurich | 108.3CHF 669.23 / month | 106.5CHF 658.07 / month | 103.2CHF 637.37 / month | 103.6CHF 639.67 / month |