High Savings Potential Despite Increasing Optimisation: Swiss Basic Health Insurance Study (Deloitte Switzerland)

Summary

• Adults in Switzerland can save an average of CHF 702 per year by switching to the cheapest basic health insurance model.p.3
• The average mandatory health insurance premium for adults in Switzerland has increased by 3.4% per year on average since 2016.p.6
• Total potential savings for the adult Swiss population by optimizing provider and deductible choices amount to CHF 5,3 Mrd. in 2027.p.6
• Annual review of health insurance policies is carried out by 58% of the Swiss population.p.18
• The policy splitting rate, where basic and supplementary insurances are held with different providers, rose from 19% to 27% over 5 years.p.19
• AI tools for health insurance decisions are already used or planned to be used by 39% of the population.p.21
• Support for a single national healthcare fund (Einheitskasse) remains high at 69%.p.26

Key insights

1. Premium optimisers will pay an average of CHF 19 more per month in 2027, representing a 5.2% increase.p.11
2. The health insurance sector's overall solvency ratio recovered to 149% per 2026 following reserve build-ups.p.14
3. A monthly premium increase of up to CHF 20 would prompt 47% of respondents to consider switching insurers.p.20
4. Personal advice when switching insurers is sought by 48% of overall respondents and 64% of those under age 30.p.22
5. A lack of basic knowledge about the health insurance system affects 47% of respondents.p.23
6. Financial concerns due to health insurance premiums are reported by 54% of the population.p.24
7. A mandatory generic drug requirement to lower premiums is supported by 56% of respondents.p.25