WORKACROSS COMPARISONS

Health insurance comparison

Compare 2026 Swiss basic-insurance premiums for France-resident cross-border workers.

ResidenceFranceWork cantonAccident premiumInsuranceSwiss LAMal

France-resident cross-border workersYou may have a choice between the French system and Swiss LAMal. The premium table is country-based; your work canton sets the responsible Swiss authority. Understand the choice and deadline.

Ranked by our Workacross scoreFrom official BAG premiums and the independent Comparis survey. How we score

1Basic insurance · 2026Top for this profile

Helsana

4.7 / 5Workacross score

Visit Helsana

Official insurer site · not an affiliate link

Adult monthly premiumCHF 200.00per contract · without accident

Household estimateCHF 200.00monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 1 of 13 by our Workacross score

2Basic insurance · 2026

Swica

4.1 / 5Workacross score

Visit Swica

Official insurer site · not an affiliate link

Adult monthly premiumCHF 246.30per contract · without accident

Household estimateCHF 246.30monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 2 of 13 by our Workacross score

3Basic insurance · 2026

Mutuel

3.1 / 5Workacross score

Visit Mutuel

Official insurer site · not an affiliate link

Adult monthly premiumCHF 348.80per contract · without accident

Household estimateCHF 348.80monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 3 of 13 by our Workacross score

4Basic insurance · 2026

Vivao Sympany

3.0 / 5Workacross score

Visit Vivao Sympany

Official insurer site · not an affiliate link

Adult monthly premiumCHF 388.80per contract · without accident

Household estimateCHF 388.80monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 4 of 13 by our Workacross score

5Basic insurance · 2026

Assura

2.7 / 5Workacross score

Visit Assura

Official insurer site · not an affiliate link

Adult monthly premiumCHF 439.90per contract · without accident

Household estimateCHF 439.90monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 5 of 13 by our Workacross score

6Basic insurance · 2026

Sanitas

2.7 / 5Workacross score

Visit Sanitas

Official insurer site · not an affiliate link

Adult monthly premiumCHF 474.90per contract · without accident

Household estimateCHF 474.90monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 6 of 13 by our Workacross score

7Basic insurance · 2026

Agrisano

2.6 / 5Workacross score

Visit Agrisano

Official insurer site · not an affiliate link

Adult monthly premiumCHF 489.30per contract · without accident

Household estimateCHF 489.30monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 7 of 13 by our Workacross score

8Basic insurance · 2026

ÖKK

2.4 / 5Workacross score

Visit ÖKK

Official insurer site · not an affiliate link

Adult monthly premiumCHF 597.10per contract · without accident

Household estimateCHF 597.10monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 8 of 13 by our Workacross score

9Basic insurance · 2026

Concordia

2.3 / 5Workacross score

Visit Concordia

Official insurer site · not an affiliate link

Adult monthly premiumCHF 652.10per contract · without accident

Household estimateCHF 652.10monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 9 of 13 by our Workacross score

10Basic insurance · 2026

Visana

2.2 / 5Workacross score

Visit Visana

Official insurer site · not an affiliate link

Adult monthly premiumCHF 689.70per contract · without accident

Household estimateCHF 689.70monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 10 of 13 by our Workacross score

11Basic insurance · 2026

CSS

2.2 / 5Workacross score

Visit CSS

Official insurer site · not an affiliate link

Adult monthly premiumCHF 697.50per contract · without accident

Household estimateCHF 697.50monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 11 of 13 by our Workacross score

12Basic insurance · 2026

Aquilana

2.2 / 5Workacross score

Visit Aquilana

Official insurer site · not an affiliate link

Adult monthly premiumCHF 724.10per contract · without accident

Household estimateCHF 724.10monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 12 of 13 by our Workacross score

13Basic insurance · 2026

KPT

2.0 / 5Workacross score

Visit KPT

Official insurer site · not an affiliate link

Adult monthly premiumCHF 823.10per contract · without accident

Household estimateCHF 823.10monthly profile total

Basic coverageOKP scopeidentical by law

France profileAvailableverified eligibility

Premium checked3 August 2026BAG / Priminfo 2026

Source-backed snapshotRank 13 of 13 by our Workacross score

Provider	Top scoreHelsana	Swiss insurerSwica	Swiss insurerMutuel	Swiss insurerVivao Sympany	Swiss insurerAssura	Swiss insurerSanitas	Swiss insurerAgrisano	Swiss insurerÖKK	Swiss insurerConcordia	Swiss insurerVisana	Swiss insurerCSS	Swiss insurerAquilana	Swiss insurerKPT
Product	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France	Swiss basic insurance · France
Source	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data	View official data
Cost
Adult monthly premium	CHF 200.00Excellent	CHF 246.30Excellent	CHF 348.80Excellent	CHF 388.80Excellent	CHF 439.90Good	CHF 474.90Good	CHF 489.30Good	CHF 597.10Good	CHF 652.10Good	CHF 689.70Good	CHF 697.50OK	CHF 724.10OK	CHF 823.10OK
Young adult monthly premium	CHF 180.00Excellent	CHF 184.70Excellent	CHF 279.00Excellent	CHF 280.00Excellent	CHF 439.90Good	CHF 403.60Good	CHF 489.30Good	CHF 597.10OK	CHF 521.70Good	CHF 483.00Good	CHF 523.10Good	CHF 535.90OK	CHF 760.70OK
Child monthly premium	CHF 46.00Excellent	CHF 59.20Excellent	CHF 116.30Excellent	CHF 194.40OK	CHF 139.80Excellent	CHF 142.50Good	CHF 171.00Good	CHF 149.30Good	CHF 163.10Good	CHF 193.40OK	CHF 153.50Good	CHF 150.40Good	CHF 246.50OK
Estimated monthly total	CHF 200.00Excellent	CHF 246.30Excellent	CHF 348.80Excellent	CHF 388.80Excellent	CHF 439.90Good	CHF 474.90Good	CHF 489.30Good	CHF 597.10Good	CHF 652.10Good	CHF 689.70Good	CHF 697.50OK	CHF 724.10OK	CHF 823.10OK
Premium vs lowest adult offer	Lowest premiumExcellent	+CHF 46.30	+CHF 148.80	+CHF 188.80	+CHF 239.90	+CHF 274.90	+CHF 289.30	+CHF 397.10	+CHF 452.10	+CHF 489.70	+CHF 497.50	+CHF 524.10	+CHF 623.10
Coverage
Basic insurance scope	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame	Same statutory OKP scopeSame
France-resident eligibility	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified	AvailableVerified
Family
Third-child note	—	—	—	—	—	—	—	—	—	—	—	CHF 75.20 from the third child	—
Evidence
BAG insurer number	1562	1384	1479	0509	1542	1509	1560	0455	0290	1555	0008	0032	0376
Source status	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified	BAG / Priminfo 2026 · checked 3 August 2026Verified

How we score

Ranks combine the selected adult monthly premium with independent customer-satisfaction data.

Premium = 70 points · Comparis customer satisfaction = 30 points, rule premium-satisfaction-v1. Across the current insurers satisfaction spans 2.4 points against the premium part's 53, so it does not change the order today. Basic statutory cover is identical by law and France eligibility is required — both are verified requirements, not insurer-quality claims.

Checked 3 August 2026Read methodology

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Official 2026 BAG / Priminfo premium snapshot. Monthly CHF values are profile-specific and do not replace individual advice.