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    EVO Insights

    Our health insurance analyses

    Health

    Health Insurance in Switzerland: The Complete Guide 2026

    Everything you need to know about mandatory health insurance (KVG/LAMal) in Switzerland: deductibles, premiums, alternative models, and switching insurers.

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    Retirement planning

    Pillar 3a in Switzerland: Complete Guide to Private Retirement Savings

    Everything about Pillar 3a: tax deductions, contribution limits, investment options, and strategies to maximise your private retirement savings in Switzerland.

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    Guides

    Complete Guide to Supplementary Health Insurance in Switzerland

    Understanding supplementary insurance (VVG/LCA) in Switzerland: hospital, outpatient, dental, and alternative medicine. What they really cover and how to choose the right plan.

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    Frequently asked questions

    Everything about comparing Swiss health insurance

    FAQ

    Frequently asked questions

    You can switch every year by cancelling before 30 November, effective 1 January. A special right of cancellation applies when a premium increase is announced.

    Yes. The higher your deductible (up to CHF 2,500), the lower your monthly premium. If you are healthy and rarely see a doctor, a high deductible is often more advantageous.

    These alternative models require a first contact before seeing a specialist (HMO network, video call for Telmed, or family doctor). In return, you get a premium reduction of up to 20%.

    Yes. Basic LAMal insurance is defined by federal law: all insurers cover exactly the same basic benefits. Only the premium amount differs.

    Yes, completely free. EVO Partners is remunerated by a FINMA-regulated commission paid by the insurer. This commission does not change your premium.

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    🏥 Health Insurance All about LAMal 2026 ➕ Supplementary Improve your coverage 🛡️ Retirement Pillar 3a & pension 💶 Subsidies Premium reduction