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How much can the premium vary from one insurer to another?
The difference between two health insurers can exceed CHF 100 per month. Find out why comparing your premium can save you money every year.
CHF 140 per month. For some profiles, that is the difference between two health insurers in Ticino in 2027. Over a year, this adds up to almost CHF 1,700. For young adults, the difference can be even greater.
With the publication of the new 2027 premiums, the key point is not only the average 3.7% increase expected in Ticino. It is also how different the figures can be from one insurer to another, even for the same insurance profile.
Ticino will continue to have the highest average premiums in Switzerland. But the average premium tells only part of the story: what matters to each insured person is how much they will actually pay based on their age, residence, deductible, insurance model and accident coverage.
Why can the premium vary so much?
After receiving the new premium, the question should not only be “how much has it increased?”, but also “how much would I pay with another health insurer?”
The differences can be significant. In some cases, choosing one insurer instead of another can mean a difference of more than CHF 100 every month. Over a year, this means paying hundreds or even thousands of francs more for basic coverage that offers the same benefits by law.
The potential savings
The savings potential was also highlighted by a recent Deloitte analysis. Taking into account not only the insurer but also the insurance model and deductible, the estimated average savings potential is around CHF 702 per person per year.
This does not mean that everyone can save this amount, but it shows how important it can be to check your situation.
Compare before accepting the new premium
The 2027 premiums are now known. Before automatically accepting the new amount, it may therefore be worth making a comparison.
Knowing how much your premium will increase is important. Knowing how much you could pay with another insurer is even more important.
With CassaOK, you can compare the alternatives available for your profile in just a few clicks and discover the premiums expected for 2027.
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