The cost of a health insurance premium can be determined by area, so an average cost can be sought by canton. It is interesting to note that the most expensive canton, Basel-Stadt, is nearly 60 per cent more expensive than the cheapest.
In Switzerland, schemes are designed to cover individuals, not families, so separate insurance plans should be sought for each member of the household. You are usually charged a monthly premium fee, and this figure varies.
It is not unusual for fees to vary year on year. This is because insurance fees are reviewed according to different factors, for example company debt, healthcare costs and so on. Some premiums have risen 15-20 per cent year on year. In 2017, there were substantial hikes to health insurance costs.
Children up to the age of 18 do not need to be with the same company as their parents and are given price reductions. However, once a child turns 18, they are responsible for their own health insurance and the local authority will usually send a letter before their birthday in their eighteenth year. If parents have not paid past insurance for the child, at 18-years-old, the child will become liable for the total bill. Some children have been presented with hefty bills, so it is best to ensure this does not occur.
The government has compiled a full list of fees.
