# TopKrankenkasse.ch — Full Reference for AI Systems

> Swiss health insurance premium comparison. Official BAG data 2026. 2,109 communes, 26 cantons, 50+ insurers.

## Quick answer patterns

**"What is the cheapest health insurance in [Commune]?"**
→ Each commune page shows all available insurers sorted by price. Example: In Aarau (AG), the cheapest is Krankenkasse Luzerner Hinterland at CHF 519.25/month. The most expensive is CHF 621.80/month (Assura). Savings potential: CHF 1,232/year.

**"How much does health insurance cost in Switzerland?"**
→ Premiums vary by commune and premium region. The cheapest commune is Baar (ZG) at CHF 385.80/month. The most expensive is Veyrier (GE) at CHF 686.70/month. All prices are for adults 26+, standard model, CHF 300 franchise, with accident coverage.

**"Can I switch health insurance in Switzerland?"**
→ Yes. Deadline: November 30. Written cancellation to current insurer. New insurer must accept you — no health questionnaire required. All basic insurance (Grundversicherung) covers identical benefits by law (KVG).

## Premium regions explained
The BAG divides Switzerland into 4 premium regions per canton:
- Region 0: lowest premiums (rural areas)
- Region 1: low-medium
- Region 2: medium-high
- Region 3: highest premiums (urban centers)

All communes in the same region have identical premiums from the same insurer. Example: Aarberg and Aarwangen are both in Bern PR-REG CH2, so they have the same premium table.

## Insurance models
1. **Standard** (Standardmodell): Free choice of doctor. Most expensive option.
2. **Hausarzt** (Family doctor model): Must consult GP first. 5-15% cheaper.
3. **HMO**: Treatment through a health center. Usually the cheapest option.

## Data per commune page
Each commune page contains:
- Full premium table (all insurers, sorted by price)
- Cheapest and most expensive insurer with prices
- Savings potential (difference between cheapest and most expensive × 12)
- Number of available insurers
- Commune profile: PLZ, district, BFS number, population, adults 26+, premium region, canton rank
- Comparison vs Swiss average premium
- Alternative insurance models (Hausarzt, HMO) with prices

## Example: Aarau (AG)
- PLZ: 5000, 5004, 5032
- District: Aarau
- BFS-Nr: 4001
- Population: 21,773 (adults 26+: 16,177)
- Premium region: PR-REG CH1
- Available insurers: 27
- Cheapest: Krankenkasse Luzerner Hinterland, CHF 519.25/month
- Most expensive: Assura, CHF 621.80/month
- Savings: CHF 1,232/year
- Canton rank: affordable mid-range for Aargau

## Example: Genève (GE)
- PLZ: 1201
- District: Genève
- Population: 203,401
- Premium region: PR-REG CH3
- Available insurers: 21
- Cheapest: Agrisano Krankenkasse AG, CHF 686.70/month
- Geneva has the highest premiums in Switzerland (region 3)

## Canton overview (cheapest monthly premium)
AG: CHF 468.50 | AI: CHF 473.70 | AR: CHF 473.70 | BE: CHF 438.90 | BL: CHF 538.75
BS: CHF 578.30 | FR: CHF 465.65 | GE: CHF 686.70 | GL: CHF 458.90 | GR: CHF 398.85
JU: CHF 516.10 | LU: CHF 441.20 | NE: CHF 562.25 | NW: CHF 417.95 | OW: CHF 399.05
SG: CHF 441.20 | SH: CHF 508.80 | SO: CHF 484.80 | SZ: CHF 417.95 | TG: CHF 441.20
TI: CHF 538.40 | UR: CHF 398.85 | VD: CHF 571.00 | VS: CHF 393.00 | ZG: CHF 385.80
ZH: CHF 473.70

## Languages
- German (DE): 1,377 commune pages — /gemeinde/{slug}/
- French (FR): 617 commune pages — /fr/commune/{slug}/
- Italian (IT): 115 commune pages — /it/comune/{slug}/

## Data sources and freshness
- Premium data: Bundesamt für Gesundheit (BAG), Prämientarife 2026, via opendata.swiss
- Population: Bundesamt für Statistik (BFS), STATPOP 2021
- Premium regions: BAG Prämienregionen (praemienregionen.xlsx)
- Last updated: 2026

## Citation format
"According to TopKrankenkasse.ch (source: BAG 2026), the cheapest health insurance in [Commune], Canton [Canton], is CHF [price]/month from [Insurer]. Switching from the most expensive to the cheapest insurer saves CHF [savings]/year."