How JustCompare Works
From the first click to the signed contract — we walk you through every step, calmly and transparently.
Start premium calculatorSwitching health insurance sounds complicated. In reality it takes less than a week — if you know what to do. We have made this process as clear and stress-free as possible. Here is everything you need to know.
Three steps — explained in detail
Enter your details
Our calculator only asks what actually influences your premium.
- Your postcode — premiums are set per region in Switzerland
- Your year of birth — the premium category depends on age
- Your current health insurer and insurance model
- Your preferred deductible (franchise) — the higher it is, the lower your monthly premium
Receive your personalised comparison
We calculate all approved Swiss health insurers for your situation and show you:
- Your current premium — what you pay today
- The cheapest alternatives — sorted by savings potential
- The difference per month and per year — clearly broken down
- Which insurance model suits you — Standard, Family Doctor, HMO or Telmed
Switch stress-free — with personal support
Once you have found your new health insurer, we take care of the rest:
- We draft your cancellation letter for your current insurer
- We help you with the registration at the new insurer
- A certified Swiss advisor is available for your questions — by phone, video or in person
- We remind you of the important deadlines so nothing falls through the cracks
When can you switch?
In Switzerland, the switching deadlines for health insurance are fixed. The most important dates at a glance:
End of year (most common)
Submit cancellation by 30 November → new coverage from 1 January. This applies to all deductible levels.
Mid-year switch
With the standard deductible (CHF 300): submit cancellation by 31 March → switch from 1 July.
Premium increase
If your insurer raises its premiums, you have a special right of termination — usually with one month's notice.
Tip: If you miss the deadline, the contract is automatically extended by one year. We remind you in good time.
Which model is right for you?
All models include the same statutory benefits — they differ in how you access healthcare and how much premium discount you receive.
Standard (free choice of doctor)
0% discountYou can go to any doctor or specialist at any time without a referral. Maximum flexibility — at the highest premium.
Family Doctor Model (Hausarzt)
up to 15% discountYour family doctor is your first point of contact. Referrals to specialists go through them. Premium discount for the reduced freedom of choice.
HMO (health centre)
up to 25% discountYou are treated in a health centre where several specialities work together. Often the cheapest option — ideal for people who rarely visit the doctor.
Telmed
up to 15% discountBefore every doctor's visit you first call a medical advice hotline. Quick and unbureaucratic — a good fit for digitally minded people.
What people ask most often
Is the comparison really free of charge?
Yes, completely. You pay nothing — neither for the comparison nor for the advice. We receive a brokerage commission from the new insurer. This never changes the result of your comparison.
What happens to my data?
Your data is stored exclusively on servers in Switzerland, end-to-end encrypted and never sold to third parties. You can request deletion at any time — no questions asked.
Do I have to cancel myself?
In most cases, no. When you register with your new health insurer, they send the cancellation to your current insurer on your behalf. We help you keep track.
What if I am sick right now?
Basic insurance is mandatory — you cannot be rejected. You are also not required to disclose existing illnesses. Your coverage is guaranteed regardless of your health status.
Can I take my doctor with me?
With the Standard model, yes — you can continue to see any doctor. With alternative models (Hausarzt, HMO, Telmed) you choose a new point of first contact, but you keep your right to specialist care.
Ready? Your comparison takes less than two minutes.
Start now — free of charge, independent, without obligation.
Start premium calculator