2027 health insurance study: Individual savings potential rises above CHF 700 again

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Health insurance premiums are continuing to rise. 54 per cent of those surveyed are financially concerned about the cost of their premiums. At the same time, adults could save an average of CHF 702 on their annual premium in 2027. This is shown by the new Deloitte study “Health Insurance Switzerland: Premium Situation 2027”. Deloitte is again expecting a high switching rate and, as a result, a challenging autumn for health insurers.

The annual health insurance study by the audit and consulting company Deloitte Switzerland analyses premium growth and key trends among policyholders and health insurers. 26 per cent of those surveyed say they have difficulty paying their premiums. A large proportion check their insurance cover regularly: 58 per cent say they review their policy every year.

Premiums are rising, while savings potential is growing

The Swiss Federal Office of Public Health (FOPH) reports an average premium increase of 5 per cent for 2027. According to Deloitte’s calculations, the lowest market premium available in each region will increase by a weighted average of 5.2 per cent. The cheapest policy varies depending on the place of residence, the excess and the insurance model. This means it is still worth carrying out regular comparisons.

The calculated savings potential of CHF 702 has risen by CHF 44 in relation to the previous year. Deloitte’s calculation is based on the cheapest offers in each premium region. Excess and accident cover are also taken into account. The figure of CHF 702 is a calculated average, which means individual savings may be higher or lower.

“Many policyholders underestimate just how much premiums can vary, even though the cover provided under basic insurance is identical,” explains Marcel Thom, Insurance Lead at Deloitte Switzerland. “If you review your health insurance regularly, you are more likely to find a policy that suits your needs and your budget. It can be useful to obtain clear advice. Health insurers remain key points of contact for this.”

A comparison can be worthwhile

Basic and supplementary insurance do not have to be taken out with the same provider. Deloitte’s representative survey shows that 27 per cent of respondents have different providers for these two types of insurance – in 2021, the figure was just 19 per cent. This indicates that policyholders are making increasing use of this option, choosing policies that suit their needs in each area.

A high switching rate drives competitive pressure

Based on historical trends, Deloitte is once again forecasting a high switching rate of between 7 and 9 per cent. This corresponds to around 600,000 to 900,000 policyholders who could switch to a new health insurer. For insurers, this increases the pressure to retain existing customers and to target policyholders who are considering switching.

The premium comparison shows that the cheapest policies depend on the place of residence, the excess and the insurance model. Significant changes will also be seen in the ranking of the cheapest providers in some regions in 2027. This will give policyholders more options and make regular comparisons worthwhile. Other important factors alongside the price include personalised support and the terms and conditions of the chosen insurance model.

The traditional GP, group practice and telemedicine models are well established. There is also a growing trend towards the launch of digital models, which require policyholders to consult an app with a symptom checker first if they fall ill. The choice of specialists is also becoming more and more restricted and, in some cases, is managed via digital platforms. Policyholders should therefore check carefully whether these processes and restrictions meet their needs. For health insurers, it is becoming increasingly important to position their products and services clearly.

Individual advice remains important

Many policyholders value personal contact. 48 per cent seek individual advice when switching health insurance providers – and among under-30s, the figure is as high as 64 per cent. For health insurers, individual advice remains a key factor in building trust and retaining customers in the long term.

At the same time, people are making increasing use of digital resources to obtain information. 12 per cent already use artificial intelligence to ask questions about health insurance, while a further 27 per cent plan to do so in future. Overall, just under 40 per cent of policyholders are therefore likely to use AI assistants such as ChatGPT, Gemini or Claude this autumn.

“It is becoming increasingly important for health insurers to explain clearly what distinguishes their insurance models, advice and service from those of their competitors,” says Thom. “Insurers that are perceived solely in terms of price can easily be compared with their competitors.”

Tackling healthcare costs together

The study also places individual savings potential within the broader context of healthcare costs. Like Switzerland, other countries are also facing rising healthcare costs. A sustainable reduction in costs therefore requires not only conscious decisions by policyholders, but also more effective structures within the healthcare system.

“Switching health insurance providers can ease the strain on an individual’s budget, but it does not solve the problem of costs within the healthcare system,” says Thom. “To curb the rise in costs in the long term, stakeholders in the healthcare sector must work together more effectively and make targeted use of digital solutions.”

About the study

The Deloitte study “Health Insurance Switzerland: Premium Situation 2027” analyses official market data from the FOPH and other sources. In addition, a representative survey was conducted in collaboration with YouGov. A total of 1,236 Swiss residents aged between 18 and 79 took part in the survey in August and September 2026. The survey included questions about the choice of health insurance, the financial burden of premiums and the interest in receiving advice. The calculation of savings potential takes into account the cheapest insurance providers and models in each region, assumptions regarding the appropriate excess, and accident cover.