Swiss Health Insurance Guide 2027 · Out now
Understand your Swiss health insurance before you choose it.
Franchise, Telmed, HMO, supplementary insurance, accident cover, switching. Swiss health insurance gets confusing very quickly.
I've written the practical guide I wish someone had handed me when I first moved to Switzerland. It's out now.
Free check-up. No insurer recommendations. No broker calls.
Insurance models
Hausarzt, Telmed or HMO?
Franchise
Which franchise fits your year?
Do you know your current franchise (deductible)?
- ACHF 300
- BCHF 500 to 1,500
- CCHF 2,000 to 2,500
- DI'm not sure
Free check-up and the Guide. Page previews are illustrative.
- What franchise should I choose?
- Telmed or HMO?
- Do I need accident cover?
- What is supplementary insurance actually doing for me?
- What changes with children or pregnancy?
- Should I switch?
Free calculator
See what your insurance costs over a whole year
Compare premiums, try different franchises and see how your costs change with healthcare spending.
Get your free calculator
First name and email. Your calculator link appears straight after. You'll also get a quick email to confirm.
By joining, you agree to receive emails from Nele in Zurich about the Swiss Health Insurance Guide 2027 and related educational content. You can unsubscribe at any time. See Privacy Notice.
Do you know your current franchise (deductible)?
- ACHF 300
- BCHF 500 to 1,500
- CCHF 2,000 to 2,500
- DI'm not sure
9 questions · results straight away
Free · About 2 minutes
Start with the free Swiss Health Insurance Check-up
Answer a few questions about your current setup and see which areas may deserve another look before you make your 2027 decision.
See what you already understand
Spot areas worth reviewing
Know what to investigate next
You do not need to understand every insurance rule.
You just need to know which decisions deserve your attention.
- What franchise actually makes sense for my situation?
- Will Telmed, HMO or Hausarzt fit how I actually use healthcare?
- What am I paying supplementary insurance for?
- If I want to change something, what do I actually need to do?
Why I built this
When I moved to Switzerland as an expat, I knew health insurance was compulsory. What I didn't understand was what I was actually choosing.
Franchise, Telmed, HMO, supplementary insurance. Every option seemed to come with its own rules. Broker calls and pages of information did not necessarily make those decisions clearer.
Over the years I have navigated the system myself and as a family. When I do not understand something, I research it until I do, using official sources wherever I can.
This is the resource I wish had existed when I arrived.
“I'm not an insurance broker or adviser. I share personal experience, careful research and practical educational information.”
Nele
@neleinzurich
- Franchise
- Annual cost
- Hausarzt
- Telmed
- HMO
- Supplementary
- Accident cover
- Family
- Switching
- Checklists
Out now · Launch price until 24 October
Swiss Health Insurance Guide 2027
The free check-up helps you see WHAT to review.
The Guide helps you understand HOW to compare your options and make your decision.
A practical digital guide designed to help you understand the decisions behind your Swiss health insurance, compare your own options and know what to check before you act.
Switching
Your switching checklist
Annual cost
What could this year cost?
Franchise
Comparing franchises
Illustrative page previews.
Inside the Guide
- Choosing a franchise
- Comparing annual costs
- Understanding Hausarzt, Telmed and HMO
- Reviewing supplementary insurance
- Accident cover
- Family and pregnancy situations
- Switching
- Practical checklists and comparison tools
Launch price
CHF 49
Until 24 October. Then CHF 69.
Instant PDF download after purchase. Launch price until 24 October, then CHF 69.
What will this actually help me do?
01
Compare more than the monthly premium
Understand the different costs worth looking at before choosing.
02
Understand the rules before choosing a model
Know what Hausarzt, Telmed and HMO may require you to do.
03
Review what you already have
Understand what questions to ask about your current supplementary cover and accident setup.
04
Make a decision you can explain
Bring the pieces together instead of choosing based only on the cheapest premium.
The Guide is out now.
Download the Swiss Health Insurance Guide 2027 and work through your own decision at your own pace.
Plain-English explanations, worked examples, links to official sources and three fillable worksheets.
Launch price CHF 49 until 24 October
Standard price CHF 69
Not ready to buy yet?
Get my free health-insurance email series first. First name and email, then a quick email to confirm.
By joining, you agree to receive emails from Nele in Zurich about the Swiss Health Insurance Guide 2027 and related educational content. You can unsubscribe at any time. See Privacy Notice.
What you will not find
- No insurer rankings
- No broker sales calls
- No promise of magical savings
What you will find
- Clear explanations
- Practical examples
- Careful research
- Official sources where relevant
- Tools to compare your own situation
- The questions I wish I had known to ask earlier
Questions
Short answers to what people ask most.
Is the check-up free?
Yes. It takes about two minutes, and there is no sales call afterwards.
Is Nele an insurance adviser?
No. I'm not an insurance broker or adviser. I share personal experience, careful research and practical educational information.
Will you recommend a specific insurer?
No. The aim is to help you understand your own options and trade-offs, not to rank insurers.
When is the Guide available?
Now. It is a PDF you can download straight after purchase.
How much does the Guide cost?
CHF 49 at the launch price until 24 October 2026. After that, CHF 69.
Is this only for people who have just moved to Switzerland?
No. It is for anyone in Switzerland who wants to understand their health insurance better, whether you arrived last month or years ago.
Is this useful for families?
Yes. The Guide covers family and pregnancy situations, and the check-up asks who your insurance needs to cover.
Not sure where to start?
Start with the free check-up.