Insurer comparison · official key figures

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.

4 of at most 4 chosen

Key figures of the chosen insurers
	sodalis	Sumiswalder	Luzerner Hinterland	Atupri
Group	none	none	none	none
Cantons with premiums 2027	2	21	10	26
Insured people 2024	41,457	31,773	25,585	150,974
Market share	0.5%	0.4%	0.3%	1.7%
Solvency ratio	131% (01.01.2025)	134% (01.01.2025)	201% (01.01.2025)	124% (01.01.2025)
Reserves per person	CHF 1,429	CHF 848	CHF 1,796	CHF 878
Administration per person	CHF 129	CHF 104	CHF 95	CHF 285
Claims ratio	93.4%	85.1%	100.5%	94.7%
Premium index 2027	96.9	94.7	94.9	96.2
Models	Standard model (free choice of physicians) (1), GP and HMO models (1), Telemedicine and other models (2)	Standard model (free choice of physicians) (1), GP and HMO models (2), Telemedicine and other models (1)	Standard model (free choice of physicians) (1), GP and HMO 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 (2)
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

Premium index and reference premium by canton 2027
Canton	sodalis	Sumiswalder	Luzerner Hinterland	Atupri
Bern	98.5CHF 635.03 / month	94.0CHF 606.47 / month	95.2CHF 615.32 / month	99.2CHF 638.27 / month