How to choose your insurance in Switzerland: the 5-step method

Short answer: there is no insurance that is "cheapest for everyone" in Switzerland. The right contract depends on your canton, age, situation, deductible and model. The good news: the method to find YOUR best contract is always the same, in 5 steps.

Step 1: start from the need, not the product

A good contract covers a risk you could not absorb alone: a hospital stay, lost income, damage at the neighbour's, a dispute at work. Each situation maps to a family: health belongs to LAMal and LCA supplements, income to pensions (AVS, LPP, pillar 3a), daily life to liability and legal protection.

Step 2: check what the law already covers

Many people pay for overlaps. Before signing anything, take stock of your automatic cover.

Step 3: compare like for like

For basic insurance, the law imposes identical benefits on every insurer: only the premium changes, often by over CHF 100 per month within one canton. Comparing is therefore risk-free. For supplements and private lines: compare exclusions and caps before price.

Step 4: set the three dials

Deductible (high if healthy, low with regular treatment), model (family doctor, telmed or HMO save 10 to 25%), options (cut the overlaps). Our simulator gives an order of magnitude in 30 seconds.

Step 5: review every autumn

New premiums are published in late September; until 30 November your termination letter can reach your insurer for a change on 1 January. One 20-minute annual check is enough. Our deadlines calendar keeps you on track.

So, who is the cheapest?

Anyone who answers without knowing your canton, age and deductible is telling stories. The only serious answer is a personalised comparison, in CHF, built on your profile. It is free, and it is exactly what we do.