Health insurance in Binningen: what you need to know
Binningen sits directly south of Basel and is one of the larger municipalities in canton Basel-Landschaft. The town is known for its historic moated castle, which today stands in the middle of a small park.
Switzerland divides every canton into price zones — based on how high an area's healthcare costs are. Binningen (ZIP 4102) is in zone 1 of the Canton of Basel-Country. Zone 1 is mostly the cities and the most expensive; zones 2 and 3 are cheaper. Your insurer may charge different premiums depending on the zone.
The Canton of Basel-Country is divided into 2 price zones. The gap between the most expensive and cheapest zone can reach CHF 30–80 per month — worth keeping in mind when you compare.
How much does health insurance cost in Binningen?
Current mandatory health insurance (KVG) premiums for Binningen (2026), based on the federal government's official rates. For identical benefits, the gap between cheapest and most expensive provider is substantial:
Cheapest premium
CHF 558 /month
Sanitas
Most expensive premium
CHF 769 /month
23 insurers compared
Savings potential per year
CHF 2'526 /year
Binningen is among the most expensive areas in Switzerland — around 16% more than the Swiss average. That is exactly why switching providers can save you the most here.
Premium by age group
Children and young adults pay significantly less. Cheapest monthly premium per age group (children without deductible, otherwise CHF 300 deductible):
| Age group | from CHF/month | Insurer |
|---|---|---|
| Kind (0–18) | CHF 129 | CSS |
| Junge Erwachsene (19–25) | CHF 390 | Assura-Basis SA |
| Erwachsene (ab 26) | CHF 558 | Sanitas |
Premium by deductible
The higher the deductible (your annual excess), the lower the premium. Cheapest monthly premium per level for adults:
| Deductible | from CHF/month |
|---|---|
| CHF 300 | CHF 558 |
| CHF 500 | CHF 547 |
| CHF 1'000 | CHF 518 |
| CHF 1'500 | CHF 488 |
| CHF 2'000 | CHF 459 |
| CHF 2'500 | CHF 430 |
Premium by insurance model
Alternative models lower the premium: with the family-doctor model you see your GP first, with Telmed you call first, with HMO you go to a health centre. Typical yearly saving versus free choice of doctor:
| Model | from CHF/month | typically saves |
|---|---|---|
| Standard (Freie Arztwahl) | CHF 630 | — |
| Hausarztmodell | CHF 559 | CHF 1'042/year |
| HMO | CHF 559 | CHF 1'110/year |
| Telmed | CHF 558 | CHF 980/year |
The cheapest health insurers
The five cheapest providers for the standard profile — benefits are legally identical everywhere:
| # | Insurer | Model | from CHF/month |
|---|---|---|---|
| 1 | Sanitas | Telmed | CHF 558 |
| 2 | Atupri Gesundheitsversicherung AG | Hausarztmodell | CHF 559 |
| 3 | CSS | Hausarztmodell | CHF 559 |
| 4 | ÖKK | HMO | CHF 561 |
| 5 | SWICA | Telmed | CHF 570 |
Note: An environmental levy refund (CO₂ and VOC redistribution) of CHF 5.15 per month is credited on every premium — so the effective cost is around CHF 62 per year lower. It applies equally to all insurers and does not change the comparison.
Profile: adult, CHF 300 deductible, with accident coverage, standard models. KVG benefits are legally identical across all providers — only the price differs.
Data source: FOPH / priminfo.admin.ch 2026
Hospital coverage in Binningen
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Binningen have access to the following hospitals:
- Kantonsspital Baselland (Liestal, Bruderholz)
- Hirslanden Klinik Birshof
If you want free hospital choice or a private/semi-private room, you need a supplementary hospital insurance (VVG/LCA). In our VVG comparison.
How to switch health insurance in Binningen
- Start the comparison in the Findbetter wizard — enter ZIP 4102, age, and preferred model.
- Review the top offers and pick the best insurer.
- We auto-generate the application form. You sign digitally and we forward it FINMA-compliant via our partner Northlake Partners.
- If needed: we cancel your old insurer via registered letter — in time before November 30.
- From January 1, 2027, everything runs with your new insurer. You'll receive your new insurance card by post in December.
Full step-by-step guide → KVG switch 2027 guide
Frequently asked questions from Binningen
Which health insurance is cheapest in Binningen?+
Which price zone is Binningen in?+
By when do I need to cancel my health insurance in Binningen?+
How much can I save in Binningen?+
Sources & legal basis
The information on this page is based on official Swiss sources. Premium data comes from the federal government's official premium calculator.
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