What are the LAMal deductibles for adults in 2026?

For adults, the minimum deductible is CHF 300, the maximum is CHF 2500. Choosing a higher deductible reduces your monthly premium, but increases your medical expenses. The choice depends on the state of health and the ability to bear unforeseen expenses.

Do frontier workers with a G permit have the right of option for sick pay?

Yes, border workers with a G permit have the right of option, that is, they can choose whether to insure in Switzerland or in their country of residence. This choice must be carefully evaluated, considering premiums, coverage and tax implications, such as the tax credit recognized by Italy.

How does the border tax at source work?

The income tax at source is only withheld in Switzerland, never in both countries. Italy avoids double taxation by recognizing a tax credit, to be indicated in the EC framework of model 730. This procedure applies to all frontier workers, old and new.

What are the rates of Swiss social contributions for employees?

Employee contributions are: AVS/AI/IPG 5.3%, unemployment insurance (AD/AC) 1.1% up to a salary of CHF 148,200, LAINF 0.7-1.5% and LPP 7–18% based on age (from 25 years). These values are set at the federal level and can affect net income.

When does the deadline expire to change sick pay for 2026?

Generally, the cancellation must be sent by 30 November of the previous year. For 2026, therefore, the deadline is 30 November 2025. It is advisable to compare the offers and send the cancellation in advance, so as to have time to subscribe to a new policy without interruptions in coverage.

LAMal 2026 awards in Geneva: deductible, cash changeover and subsidies (cross-border guide)

Di Redazione Frontaliere Ticino · Published on 7 August 2026

View of Lake Geneva with the Jet d'Eau against the Alps backdrop

Guide to sick pay premiums 2026 in the canton of Geneva: deductibles CHF 300–2500, right of option for border workers, national comparison and steps to change insurance.

Context

In a nutshell

LAMal 2026 Awards: focus canton Geneva, national comparison
Adult deductibles: from CHF 300 to CHF 2500
Frontier G: right of option and tax at source only in Switzerland
Cash change possible within annual deadlines

Key facts

What: Guide to Compulsory Health Insurance (LAMal) premiums
When: by 2026, with valid and stable data
Where: canton Geneva, compared to the rest of Switzerland
Who: resident and border adults with G permit
Amount: deductibles from CHF 300 to CHF 2500

The Swiss health system is based on compulsory health insurance, the so-called LAMal, which every person residing in Switzerland must take out. For 2026, those who live or work in the canton of Geneva must deal with premiums that vary according to deductible, supplier and insurance model. Choosing the deductible is one of the main tools to contain the monthly cost: for adults the minimum deductible is CHF 300, the maximum one is CHF 2500. The higher the deductible, the lower the monthly premium, but in return you pay the first medical expenses of the year out of your own pocket.

For border workers with a G permit, the situation has a specific element: the right of option. In practice, they can choose whether to insure in Switzerland or in their country of residence, under certain conditions. This choice must be carefully evaluated, because the premiums and coverages vary significantly between the two systems. On the front

Operational details

Practical analysis: how to choose the right deductible

The choice of the deductible is the main lever to reduce the monthly premium. Those who are young and healthy can opt for the maximum deductible of CHF 2500, agreeing to pay the first medical expenses of the year out of their own pocket. In return, the monthly premium drops significantly. On the other hand, those who need frequent care, for example for chronic diseases, may prefer the minimum deductible of CHF 300, so as to have immediate coverage without having to advance large sums.

A concrete, purely hypothetical example: a 35-year-old adult, residing in Geneva, without health problems, could choose a CHF 2500 deductible and an insurance model with a family doctor or telemedicine. This will result in a lower monthly premium compared to a CHF 300 deductible. Conversely, a 60-year-old with ongoing therapies will likely find the minimum deductible more convenient, because medical expenses will still exceed the deductible over the course of the year.

Comparison of insurance models

In addition to the deductible, the insurance model affects the premium. Alternative models (GP, HMO, telemedicine) offer reduced premiums compared to standard insurance with free choice of doctor. This choice should be made based on your habits and trust in your doctor. For frontier workers, the right of option between Swiss and Italian insurance

Useful tools to protect your net income

To reduce FX leakage, compare CHF-EUR exchange options and banks for cross-border workers.

Key points

What to do: practical steps for 2026

Here is a step-by-step procedure for managing LAMal awards in 2026, with a focus on the canton of Geneva.

1. Rate your profile: age, health, income. If you are cross-border, check the right of option and decide whether to insure in Switzerland or Italy. 2. Choose your deductible: If you are healthy and can afford to pay your first expenses out of pocket, opt for a high deductible (up to CHF 2500). If you need regular care, choose the minimum deductible (CHF 300). 3. Compare Models: View premiums for Standard Model, Family Doctor, HMO, and Telemedicine. Use an online comparator to get an idea of prices. 4. Check subsidies: If your income is low, inquire with the canton of Geneva about individual premium reductions. The application must be submitted within the established deadlines, usually by the end of the year. 5. Change cashier if needed: If you find a better deal, send the cancellation to your current cashier within the deadline (usually by November 30 for the following year). Take out the new policy before it expires. 6. Check the coverage: make sure that the new fund covers the services you need, such as specialist visits, physiotherapy, and that it has a good network of affiliated doctors. 7. Track documents: Keep policies, premium receipts, and medical certificates for your tax return. In Italy, the prizes

Frequently Asked Questions

What are the LAMal deductibles for adults in 2026?: For adults, the minimum deductible is CHF 300, the maximum is CHF 2500. Choosing a higher deductible reduces your monthly premium, but increases your medical expenses. The choice depends on the state of health and the ability to bear unforeseen expenses.
Do frontier workers with a G permit have the right of option for sick pay?: Yes, border workers with a G permit have the right of option, that is, they can choose whether to insure in Switzerland or in their country of residence. This choice must be carefully evaluated, considering premiums, coverage and tax implications, such as the tax credit recognized by Italy.
How does the border tax at source work?: The income tax at source is only withheld in Switzerland, never in both countries. Italy avoids double taxation by recognizing a tax credit, to be indicated in the EC framework of model 730. This procedure applies to all frontier workers, old and new.
What are the rates of Swiss social contributions for employees?: Employee contributions are: AVS/AI/IPG 5.3%, unemployment insurance (AD/AC) 1.1% up to a salary of CHF 148,200, LAINF 0.7-1.5% and LPP 7–18% based on age (from 25 years). These values are set at the federal level and can affect net income.
When does the deadline expire to change sick pay for 2026?: Generally, the cancellation must be sent by 30 November of the previous year. For 2026, therefore, the deadline is 30 November 2025. It is advisable to compare the offers and send the cancellation in advance, so as to have time to subscribe to a new policy without interruptions in coverage.