#12 Swisscare vs. Academic Care: Best Student Health Insurance 2026
Swisscare vs. Academic Care: Best Student Health Insurance 2026
Health insurance is a non-negotiable requirement for living in Switzerland. According to the Federal Office of Public Health (FOPH), standard health insurance premiums rose by 4.4% in 2026. Fortunately, international students can opt for specialized plans that are significantly cheaper.
2026 Premium Comparison Table
Finding the cheapest student health insurance Switzerland has to offer depends on your age and your home country.
| Feature | Swisscare | Academic Care |
|---|---|---|
| 2026 Monthly Premium | CHF 80 – 95 | CHF 90 – 115 |
| Coverage Scope | Worldwide (Emergency) | Switzerland-focused |
| Digital Portal | Excellent / 24/7 | Good |
The 2026 “Exemption” Rule
Standard Swiss insurance (LAMal) can cost over CHF 350/month. To save money, students can apply for an exemption if they have “equivalent” private insurance. Swisscare is pre-approved for this exemption in most cantons, making it a favorite for students in 2026.
