Premium cycle 2027
LAMal premiums 2027 for newcomers to Switzerland
How the arrival three-month rule interacts with the November switch deadline, what private forecasts mean before FOPH publication, and how to prepare your comparison.
Reviewed 19 September 2026: official LAMal 2027 premiums not yet published by the FOPH. Private forecasts cited with explicit status.
Key takeaways
As of 19 September 2026, official LAMal 2027 premiums are not yet published (FOPH usually late September). Private forecasts cluster around roughly +3.7% to about +4.5–5% nationally. Your bill still depends on canton, age, deductible and model. Newcomers: join within three months. Already insured: notice for 1 January 2027 must reach the insurer by 30 November 2026.
Newcomer: 3 months after obligation starts. Already insured for 1 Jan 2027: notice received by 30 Nov 2026.
Indicative private forecasts ~+3.7% to ~+5% national average. Individual amounts only after FOPH publication.
Identify your arrival case, prepare your profile, request a comparison so you are ready once 2027 premiums are online.
What is the status of LAMal 2027 premiums on 19 September 2026?
Direct answer: they are not official yet. You can still use forecasts to prepare your file. FOPH publication is usually expected late September 2026, then individual insurer notices by end of October.
For newcomers, the main clock remains the three-month affiliation period after the insurance obligation starts (often residence), not 30 November. The November date matters if you are already insured in Switzerland and want to switch for 1 January 2027.
Sources: Priminfo premium approval pages; FOPH premium FAQs. Verification: 19 September 2026.
Which forecasts exist before official publication?
This table separates private forecasts, an official cost signal, and the forthcoming approved premiums. None of the forecast rows are approved 2027 tariffs.
| Source | Date | Indication | Status |
|---|---|---|---|
| Comparis | 12 May 2026 | Average rise ~+3.7% | Private forecast |
| FOPH (press point) | 26 May 2026 | 2026 costs ~+5% (insurers); catch-up possible | Official cost signal (not final premium) |
| Bonus.ch | 8 Sep 2026 | Average rise ~4.5–5% (central scenario) | Private forecast |
| FOPH / Priminfo | Late Sep 2026 (expected) | Approved 2027 premiums | Upcoming |
Do not confuse a national average with your individual premium (canton, age, deductible, model, insurer).
Which arrival situation applies to you for 2026–2027?
| Situation | Priority deadline | Useful action |
|---|---|---|
| Already insured in Switzerland | Notice received by 30 Nov 2026 for 1 Jan 2027 | Compare after official premiums; resign and join in parallel |
| Arriving autumn 2026 / early 2027 | 3 months after obligation starts | Join on time first; refine at next switch if needed |
| Birth / family reunification | 3 months from birth or child's residence | Insure each person separately |
Deadline detail: LAMal 3-month deadline. Arrival checklist: moving to Switzerland.
How should newcomers prepare a comparison?
- Note canton (and premium region if relevant), ages and preferred deductible
- Clarify whether employer accident cover already applies
- Wait for approved FOPH figures before treating any CHF amount as final
- Request a comparison through this site for a personalised shortlist
Official premium tables, once approved, are published by the FOPH (Priminfo). Use this site to request a comparison for your arrival case rather than treating any public tool as a quote request channel.
FAQ: LAMal premiums 2027 for newcomers
Are official LAMal 2027 premiums published yet?
As of 19 September 2026, official LAMal 2027 premiums are not yet published by the FOPH. Publication is usually expected late September, then individual insurer notices by end of October.
What forecasts exist before the official figures?
Private forecasts have pointed to roughly +3.7 percent (Comparis, May 2026) to about +4.5–5 percent (Bonus.ch, September 2026). The FOPH flagged 2026 cost growth near 5 percent as a trend signal, not the final premium. Individual bills still depend on canton, age, deductible and model.
As a newcomer, do I need to meet the 30 November deadline?
Newcomers usually follow the three-month affiliation clock after residence starts. The 30 November deadline mainly applies if you are already insured in Switzerland and want to switch for 1 January 2027.
Can I lock in a 2027 premium before FOPH publication?
You can prepare your profile and request a comparison so you are ready once official premiums are online. Fixed savings cannot be promised before approved tariffs exist.
Where should I compare premiums?
Once approved, official premium data are published by the FOPH (Priminfo). For a personalised comparison for your arrival case, request a comparison through this site. Swiss Financial Advice advises free of charge.
Personal advice
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