High Savings Potential Despite Increasing Optimisation

Health insurance premiums are rising significantly in 2027 for the fifth consecutive time. Deloitte's calculations now show: for many policyholders, the increase is higher than the average communicated by the Federal Office of Public Health (FOPH). The cheapest market premium available per region increases by an average of +5.2% on a weighted basis, while the officially communicated average is +5.0%. In particular, cheaper insurance models are coming under greater pressure.

The gulf between the different regions is particularly striking. While some cantons, such as Geneva, Nidwalden, and Glarus, show the lowest premium increase, the lowest premium in the canton of Neuchâtel rises the most, by CHF 30 per month.

Although many customers have optimised their health insurance in recent years, the potential is far from exhausted. If all individuals were to switch to the cheapest provider and model while taking into account their optimal deductible, they could save an average of CHF 702 per year per person according to the analysis. Extrapolated to the adult Swiss population, this represents a total potential of CHF 5.3 billion according to these calculations. With the increase from 2027 onwards, the gap has become even bigger.

Based on historical correlations, Deloitte expects another high switching rate of  around 7 to 9 percent; this corresponds to 600,000 to 900,000 policyholders who opt for a new health insurer. The consumer survey supports this expectation and shows a new normality: the recurring annual premium increases have awakened the population and made it more price-sensitive. More than half now state that they review their health insurance every year. When premiums rise by 20 CHF per month per person, half of policyholders consider switching.

Artificial intelligence is gaining importance for policyholders and insurers. Around 40% of the population already use artificial intelligence for health insurance questions or plan to do so soon. For health insurers, the question therefore becomes important: how do AI assistants like ChatGPT, Gemini or Claude present their offers and which providers do they recommend?

The survey shows that premium increases in recent years have made policyholders more price-sensitive and increasingly optimizing. For lower premiums, the population is also open to restrictions or additional requirements: at least half would accept a generic drug requirement, mandatory annual health check-ups and multi-year contracts in basic insurance – provided this allows them to save on premiums. Around 20% of surveyed policyholders would even agree to a restriction on the free choice of service providers and an increase in the maximum deductible.

About the study

The study "Health Insurance Switzerland: Premium Situation 2027" by Deloitte is based – in addition to the analysis of official market data – on a representative survey of 1,236 people in Switzerland (Q3/2026), in cooperation with YouGov. The survey covered, among other things, the perception of health insurers, willingness to switch, price sensitivity, the use of technology in the distribution process as well as personal assessments of premium increases and the health insurance system.