2020 health insurance premiums: the new premiums are here!

The health insurance premiums for 2020 are known since the end of September 2019. Here you can find what you need to know about it and how the medical insurance system works in Switzerland.

Health insurance premiums for 2020 are here

As every year in autumn, health insurance companies in Switzerland publish premiums for next year. There are big differences and it is worth comparing and planning again every year. This is definitely associated with some effort, but it is worth it in the long run. Find out about other insurers and insurance models from time to time. Everyone who wants to change should do so at the end of November. However, premiums are not only linked to the insurer and age, but also linked to the canton.

For its orientation: in 2019, the premium increased by an average of 1.2 percent. However, this is made up of all the cantons. If you look closely at the premiums, you will see that sometimes there are large differences from one canton to another. Some Swiss were less than 1.5 percent less happy, but others received a 3.6 percent increase.

Premiums for 2020 amount to an average increase of only 0.2 percent. However, the following also applies: there may be differences from canton to canton. The average value results from a range of -1.5 percent and +2.9 percent. According to the Federal Office of Public Health, the Swiss have to expect an average of CHF 314.50 more.

This is how it looks in individual cantons

The Federal Office of Public Health, or BAG for short, published premiums for next year in September 2019, staggered by age group and cantons. This is how it looks like for adults over 26:

cantonFrancs in 2019Francs in 2020Percentage change
AG345.5345.80.1
AI263.5266.41.1
Arkansas312.1319.72.4
BE381.3381.30.0
BL416.5419.70.8
BS483.5483.2-0.1
FR352.1356.71.3
GE482.2483.10.2
GL332.4333.90.5
GR320.6326.21.8
JU405.9406.50.2
LU326.3321.9-1.3
Nebraska416.3426.52.5
northwest293.1297.31.4
Ow304.9305.70.3
SG328.6331.70.9
SH364.3360.9-0.9
SW371.8372.10.1
SZ321.3320.0-0.4
TG322.1327.61.7
YOU410.6421.02.5
UR288.7290.00.5
venereal disease421.3418.0-0.8
VS351.7359.32.2
ZG300.1299.9-0.1
ZH364.8364.0-0.2
CH373.3374.40.3

What do health insurance premiums contribute?

The basic insurance is the same for all citizens in Switzerland. Additional services can be used individually. These offers vary from health insurance to health insurance, so a comparison at this point is definitely worth it. Not all offers and all bonuses make sense to everyone in the same way. Consider your own situation and requirements and then compare personally. Premiums along with basic insurance should give you an optimal overall picture. Also keep in mind that premiums also vary between different cantons.

Premiums vary

  • Depending on the canton.
  • Depending on the franchise.
  • Depending on the age group.
  • Depending on the health insurance company.

High financial relief for young adults

As of 2020, Swiss policyholders must pay an average monthly premium of CHF 315.40. Young people who pay two percent less than last year can expect special relief. 

The average monthly premium for insured persons between 19 and 25 years old is CHF 265.3. While the adult premium increased by 0.3 percent on average to CHF 374.40, the premiums for children remained constant at CHF 98.7. 

However, according to the BAG, health costs will gradually increase due to demographic developments and medical and technical advances.