Question 1

How are LAMal premiums calculated in Switzerland?

Accepted Answer

LAMal premiums are calculated annually by health insurers and approved by FOPH. They depend on the canton and premium region, the insured's age, the chosen insurance model (standard, HMO, family doctor, telemedicine) and the deductible amount (CHF 300 to 2,500).

Question 2

Which LAMal deductible to choose for lower premiums?

Accepted Answer

The higher the deductible, the lower the premium. A CHF 2,500 deductible can reduce monthly premiums by up to 40% compared to the minimum CHF 300 deductible. This is advantageous if you are healthy and rarely visit the doctor.

Question 3

Are LAMal 2026 premiums higher than 2025?

Accepted Answer

Premiums are set annually by canton. For the exact change in your region, consult the official FOPH tables or our comparator showing 2026 premiums by canton and insurer.

Canton	Code	Average adult premium (CHF/month)
Zurich	ZH	≈ CHF 591
Berne	BE	≈ CHF 620
Lucerne	LU	≈ CHF 537
Uri	UR	≈ CHF 500
Schwytz	SZ	≈ CHF 523
Obwald	OW	≈ CHF 504
Nidwald	NW	≈ CHF 497
Glaris	GL	≈ CHF 537
Zoug	ZG	≈ CHF 436
Fribourg	FR	≈ CHF 586
Soleure	SO	≈ CHF 604
Bâle-Ville	BS	≈ CHF 719
Bâle-Campagne	BL	≈ CHF 663
Schaffhouse	SH	≈ CHF 575
Appenzell Rh.-Ext.	AR	≈ CHF 549
Appenzell Rh.-Int.	AI	≈ CHF 459
Saint-Gall	SG	≈ CHF 549
Grisons	GR	≈ CHF 539
Argovie	AG	≈ CHF 569
Thurgovie	TG	≈ CHF 549
Tessin	TI	≈ CHF 720
Vaud	VD	≈ CHF 679
Valais	VS	≈ CHF 555
Neuchâtel	NE	≈ CHF 713
Genève	GE	≈ CHF 764
Jura	JU	≈ CHF 682

LAMal premiums 2026 by canton

Cancellation by canton

Letter template by city