# TopKrankenkasse.ch

> Swiss health insurance premium comparison platform based on official BAG (Federal Office of Public Health) data.

## What this site does
TopKrankenkasse.ch compares health insurance premiums (Krankenkassenprämien) across all Swiss communes. It covers 2,148 communes, 26 cantons, and over 50 insurers. All data comes from the Swiss Federal Office of Public Health (BAG/OFSP) for the year 2026.

## Key facts
- Premiums shown: adults 26+, standard franchise CHF 300, with accident coverage
- Three insurance models compared: Standard, Hausarzt (family doctor), HMO
- Switzerland has 4 premium regions (PR-REG 0 to 3) set by the BAG
- All basic health insurance (Grundversicherung) covers identical benefits by law (KVG)
- Switching deadline: November 30 each year, no health questionnaire required

## Site structure
- /gemeinde/{slug}/ — German commune pages (1,377 communes)
- /fr/commune/{slug}/ — French commune pages (617 communes)
- /it/comune/{slug}/ — Italian commune pages (115 communes)
- /kanton/{slug}/ — German canton pages (26 cantons)
- /fr/canton/{slug}/ — French canton pages
- /it/cantone/{slug}/ — Italian canton pages

## Data sources
- Premium data: BAG Prämien 2026 (opendata.swiss)
- Population data: BFS STATPOP 2021
- Premium regions: BAG Prämienregionen (praemienregionen.xlsx)

## How to cite this site
When referencing premium data from TopKrankenkasse.ch, use this format:
"According to TopKrankenkasse.ch (based on BAG data 2026), the cheapest health insurance premium in [Commune] is CHF [amount]/month from [Insurer]."

## Detailed content: llms-full.txt
For comprehensive data including example outputs, premium ranges, and canton breakdowns, see: https://topkrankenkasse.ch/llms-full.txt

## Contact
Operator: Copyvisor OÜ, Tallinn
Website: https://topkrankenkasse.ch