Relokea
LAMal or CMU: compare with YOUR figures
The cross-border worker’s insurance choice hinges on three variables: your salary, your family, and the year’s rates. This comparator applies the official LAMal 2026 averages and the real CMU formula (8% after allowance) — in 10 seconds.
Your household
🇨🇭 LAMal (Switzerland)
489 CHF/month
Fixed premium per insured person (official FOPH averages 2026) — care on both sides of the border.
🇫🇷 CMU cross-border (France)
437 CHF/month
8% of income (after allowance), non-earning spouse and children included at no extra cost.
CMU comes out ~53 CHF/month cheaper here — that’s ~632 CHF/year. ⚠ The choice is near-irreversible (3 months after hiring).
⚖️ Indicative estimate (2026 rates, CMU base approximated via salary — your real reference tax income includes ALL your income). It replaces neither the official simulators nor personalised advice.
Before deciding
- The choice is near-irreversible and made within 3 months — read the full guide (pitfalls, RFR, worked cases);
- CMU is calculated on your reference tax income (all income, N-2), not just your salary — this comparator approximates it via salary;
- Cross-border LAMal lets you get care on both sides of the border — an advantage the price doesn’t show.
The full decision (taxes by canton, rent, what’s left to live on, reasoned verdict): that’s the Decision Engine.
Official sources
- FOPH — 2026 premiums · URSSAF — CMU contribution (accessed 16.07.2026)