Swiss Health Insurance Budget 2027

Start with your household’s actual 2027 premiums

Build one line per insured person: twelve monthly basic-insurance premiums, twelve supplementary premiums, expected cost sharing, hospital contributions and care you must finance separately. Use Priminfo’s official 2027 comparison with the correct municipality, birth year, accident option and care model. Record the exact quotation and assumptions. A national average cannot tell you what your household will pay. Keep the premium subsidy separate until the competent canton confirms the amount and period; cantons pay subsidies to insurers, which reduce the beneficiary’s premium. Do not subtract a hoped-for award from money already due.

Calculate ordinary cost sharing separately

Under the current rules, an adult first pays the chosen annual deductible, then ordinarily 10% of covered costs above it, with that ordinary co-payment capped at CHF 700. For planning, let M mean covered annual treatment costs and D the deductible: ordinary cost sharing = min(M, D) + min(700, 0.10 × max(0, M − D)). Premiums are additional. This simplified arithmetic excludes hospital contributions, medicines with higher co-payments, exemptions and non-covered services. Check eligibility for each treatment before putting it into M. Children have different rules: no ordinary deductible and a CHF 350 ordinary co-payment ceiling; optional deductibles and family arrangements need a separate check.

A worked example, not a market quotation

Assume one adult pays CHF 400 a month for basic insurance and CHF 75 for supplementary cover, with a CHF 1,000 deductible. These invented planning assumptions represent no insurer or client. Fixed annual premiums are 12 × (400 + 75) = CHF 5,700. With CHF 5,000 of covered treatment costs subject to ordinary sharing, the patient pays CHF 1,000 + 10% × CHF 4,000 = CHF 1,400. The resulting budget is CHF 7,100 before the extras and subsidies mentioned here. Replace every assumption with your own figures. The table shows why the same premium can lead to very different annual outgoings.

Illustrative annual totals: premiums plus ordinary cost sharing only
Covered treatment costs (M)	Patient cost sharing	Annual total
CHF 0	CHF 0	CHF 5,700
CHF 2,000	CHF 1,100	CHF 6,800
CHF 5,000	CHF 1,400	CHF 7,100
CHF 20,000	CHF 1,700	CHF 7,400

Leave room for the exceptions

The CHF 15 daily inpatient contribution can be added where applicable; official exemptions include children and young adults in education under the relevant age limit. Some medicines carry a 40% co-payment, and the FOPH explains that the amount actually paid can exceed the ordinary CHF 700 ceiling. Ask the pharmacist about the prescribed product and available alternatives; do not change treatment yourself. Specific maternity benefits are exempt, with additional illness-treatment exemptions from the thirteenth week of pregnancy until eight weeks after birth. Keep non-covered dental work and other uninsured expenses outside the ordinary formula. Supplementary benefits and deductibles follow their own contracts.

Budget for payment dates and the calendar-year reset

An affordable annual total can still create a difficult month. In tiers garant, you owe the provider and seek reimbursement; in tiers payant, the insurer pays the provider and bills your share. Check the invoice due date and reimbursement process rather than assuming they coincide. The treatment date determines the deductible year, not when the invoice arrives: care spanning December and January can trigger cost sharing in both years. Keep the accessible reserve separate from the monthly premium account. Review three scenarios—little treatment, expected treatment and a costly year—and ask the insurer about uncertain items. General information checked on 22 October 2026; confirm applicable rules when preparing your 2027 budget.