Question 1

How do I use the LAMal premium comparator?

Accepted Answer

Select your canton of residence and your preferred deductible (CHF 300 to 2,500). The comparator instantly shows all approved LAMal insurers with their official FOPH premiums, sorted from cheapest to most expensive. You can then click on an insurer to see details and cancel your current policy.

Question 2

Are the premiums shown in the comparator official?

Accepted Answer

Yes. All premiums shown come from official FOPH (Federal Office of Public Health) data. They correspond to 2026 rates for basic LAMal coverage, standard model, adults (26 and over), without discounts.

Question 3

Which deductible to choose to minimise your LAMal premium?

Accepted Answer

The highest deductible (CHF 2,500) gives the lowest premiums. The difference can reach 30-40% compared to the minimum deductible (CHF 300). This is the best choice if you are healthy and don't have regular medical expenses.

LAMal premium comparator

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