Canton of Geneva: Health insurances & premiums in comparison

There are a total of 25 health insurances in the canton of Geneva. These 25 health insurances offer different models of basic insurance. Although all health insurances in Geneva are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of Geneva.

These differences are also clearly visible in the health insurance premiums for 2024 in Geneva. The cheapest monthly premium in the canton of Geneva is currently CHF 382.45, while the most expensive is CHF 937.65. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Geneva. In fact, it is possible to save up to CHF 6’662.40 in the canton of Geneva.

Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.

The cheapest health insurances in the canton of Geneva

In 2024, health insurance premiums in the canton of Geneva rose by 8.8% compared to 2023. Sanitas, Assura and Sympany are the cheapest health insurances in the canton of Geneva. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.

The 10 cheapest health insurances in the canton of Geneva are listed below:

Health insurance	Model	Premiums in CHF
Sanitas	CompactOne	382.45
Assura	Qualimed	385.65
Sympany	HMO	386.85
Groupe Mutuel	Optimed	398.95
Concordia	HMO	404.05
Helsana	Benefit Plus	409.75
Visana	Combi Care	412.35
CSS	HMO	419.15
Aquilana	Smartmed	419.65
Atupri	HMO	425.95

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of Geneva

Compare and change health insurance companies in Geneva

Health insurance premiums in the canton of Geneva vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Geneva. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in Geneva

The models of basic insurance can also influence the amount of health insurance premiums in Geneva. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in Geneva through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Geneva

Adult policyholders in Geneva can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: