Insurance Calculator


Useful information about the insurance calculator:

  • The insurance calculator makes finding the cheapest insurance model easy. The calculation accounts for total costs including premiums, deductibles, coinsurance and costs in excess of the sum insured.
  • You can calculate the costs of a single insurance model or compare the costs of two insurance models.
  • Insured losses: You can enter your anticipated losses for up to 15 years individually for each year. In health insurance, insured losses are normally referred to as insured healthcare costs.
  • Premiums charged can vary significantly between insurance models (different deductibles or sums insured, for example). You can find more information about individual insurance policies in the insurance comparisons.
  • Deductible: A portion of costs which you must pay out of your own pocket.
  • Coinsurance: Enter the rate at which you pay coinsurance when you make a claim. Coinsurance is an out-of-pocket cost which you pay in addition to your deductible. It is calculated as a percentage of a benefit paid out by the insurance company.
  • Sum insured: This is the maximum amount of money which the insurance company will pay towards a covered loss.
  • The deductible and coinsurance as well as the sum insured as used by the calculator always apply to one year.
  • Results are calculated exactly for each year and then rounded to the second decimal. Results for multiple years are added after rounding.
  • You can find more insurance calculators here.
  • You can find all financial calculators listed here.

About is Switzerland’s independent online comparison service covering banking, insurance and telecom. More than 100 unbiased comparison tools and calculators are available on, along with useful financial guides and timely news. The comprehensive comparison tools help you to find the right insurance policies, bank accounts, credit and prepaid cards, loans, mortgages, trading accounts and telecom products for your needs.