While health insurance premiums are expected to increase further next year (read box), many Swiss believe that basic insurance is no longer enough. According to a representative survey carried out by Comparis among 1,033 adults, 38.5% of those questioned consider that compulsory insurance presents significant shortcomings.
This perception fuels interest in supplementary insurance. Nearly one in two policyholders (48.2%) would like to benefit from better coverage in the event of illness or accident. The most requested services concern the freedom to choose your doctor or the date of an outpatient procedure (20.8%), as well as reimbursement of dental care (15.8%).
The main obstacle remains the price. Two-thirds of those surveyed cite the cost of premiums as the main reason for not purchasing additional insurance. “Basic insurance absorbs an ever-increasing share of the household budget, but in the eyes of many policyholders it does not meet all their needs in terms of comfort, freedom of choice and security,” emphasizes Felix Schneuwly, health insurance expert at Comparis.
Result: only 17.3% of adults actually plan to take out new additional insurance or extend their coverage over the next twelve months. This proportion varies greatly depending on income: it reaches 12.9% among households earning less than 4,000 € per month, compared to 20.8% for those whose income exceeds 8,000 €.
An increase of 3.7% in sight
According to Comparis forecasts, compulsory health insurance premiums should increase on average by 3.7% in 2027, after increases of 4.4% in 2026, 6% in 2025, 8.7% in 2024 and 6.6% in 2023. The average monthly premium would thus increase from 393.30 to 407.85 €, or 14.55 € more per month. This new increase is explained by the continued increase in health spending, but also by the expansion of reimbursed services.
