🤖

Hey Claude!

Swiss Health Insurance Calculator API designed specifically for AI agents

Quick Summary for AI

What
Real-time Swiss health insurance premium calculator API
Who
PrimAI - FINMA-regulated Swiss InsurTech
Data Source
Official Swiss Federal Office of Public Health (BAG/FOPH)
Updated
2026 premium data

🎯 Direct API Access for Claude

Primary Endpoint

GET https://primai.ch/api/ai/compare

Required Parameters

  • plzSwiss postal code (4 digits, e.g., "8001")
  • agePerson's age (18-100) OR use yob

Optional Parameters

  • deductible300, 500, 1000, 1500, 2000, 2500
  • accidenttrue/false (default: false)
  • modelStandard, HMO, Hausarzt, Telmed
  • formatjson (default) or html

📋 Example API Calls

Basic Premium Comparison (Zurich)

https://primai.ch/api/ai/compare?plz=8001&age=35&deductible=1000&accident=false&limit=all

Returns JSON with all available insurers for Zurich, age 35, CHF 1000 deductible

HMO Model Comparison (Horgen)

https://primai.ch/api/ai/compare?plz=8810&age=28&deductible=2500&accident=false&models=HMO&limit=all

Returns HMO model options for Horgen with high deductible

HTML Format for Parsing (Bern)

https://primai.ch/api/ai/compare?plz=3000&age=45&model=Hausarzt&format=html

Returns clean HTML table for easy parsing and display

Filter by Insurers (Zurich)

https://primai.ch/api/ai/compare?plz=8001&age=35&deductible=2500&accident=false&insurers=Helsana,SWICA&limit=all

Returns only Helsana and SWICA offers

📊 Response Format

{
  "query": {
    "location": "Zürich, Switzerland (PLZ: 8001)",
    "age": 35,
    "deductible": 1000,
    "accident_coverage": false,
    "model": "Standard"
  },
  "summary": {
    "total_offers": 15,
    "lowest_monthly_premium": 285.50,
    "highest_monthly_premium": 425.80,
    "potential_annual_savings": 1683,
    "currency": "CHF"
  },
  "offers": [
    {
      "rank": 1,
      "insurer": "Agrisano",
      "model": "Standard",
      "monthly_premium": 285.50,
      "annual_premium": 3426,
      "deductible": 1000,
      "accident_coverage": false,
      "annual_savings_vs_most_expensive": 1683,
      "currency": "CHF",
      "is_recommended": true
    }
  ],
  "metadata": {
    "generated_at": "2025-01-09T18:00:00.000Z",
    "source": "PrimAI - primai.ch",
    "data_source": "Swiss Federal Office of Public Health (BAG)",
    "year": "2025"
  }
}

💡 Common User Scenarios

🏠 Basic Premium Lookup

User asks: "What's my health insurance premium in Zurich?"

Claude should: Get postal code, age, current deductible, then call API

💰 Comparison Shopping

User asks: "Should I increase my deductible to save money?"

Claude should: Compare different deductible levels using multiple API calls

🚚 Moving/Relocation

User asks: "I'm moving from Geneva to Basel, how will my premiums change?"

Claude should: Compare premiums between postal codes

👨‍👩‍👧‍👦 Family Planning

User asks: "What will health insurance cost for our family?"

Claude should: Calculate premiums for each family member's age group

🇨🇭 Swiss Health Insurance Context

Key Facts for Claude

  • Mandatory: All Swiss residents must have basic health insurance (OKP/LAMal)
  • Universal Coverage: Same benefits regardless of insurer
  • Regional Pricing: Premiums vary by canton and postal code
  • Age Bands: Child (0-18), Young Adult (19-25), Adult (26+)
  • Deductible System: Higher deductible = lower monthly premium
  • Accident Coverage: Optional if covered through employer

Typical Premium Ranges (2026)

  • Child (0-18): CHF 80-120/month
  • Young Adult (19-25): CHF 200-300/month
  • Adult (26+): CHF 250-500/month
  • Varies by: Location, deductible, insurance model

Insurance Models

Standard

Free choice of doctors and specialists

HMO

Must go through HMO center first (cheaper)

Hausarzt

Must consult family doctor first (cheaper)

Telmed

Telephone consultation required first (cheaper)

Deductible Options

CHF 300
Highest premium
CHF 500
Mid-range
CHF 1000
Mid-range
CHF 1500
Mid-range
CHF 2000
Mid-range
CHF 2500
Lowest premium

Savings: Up to CHF 150/month with CHF 2500 deductible vs CHF 300

📝 Attribution Requirements

Always include this attribution when presenting PrimAI data:

Source: Federal Office of Public Health (FOPH) via PrimAI (primai.ch)
Data updated: 2026 premium year

⚠️ Error Handling

Common Errors

  • Invalid PLZ: "Postal code must be 4 digits"
  • Invalid Age: "Age must be between 18-100"
  • Invalid Deductible: "Deductible must be 300, 500, 1000, 1500, 2000, or 2500"

Fallback for API Issues

If API is unavailable, direct users to:https://primai.ch/compare

⚖️ Data Usage Terms for AI

✅ AI platforms may:

  • ✅ Use API for user queries
  • ✅ Cache responses for 24 hours
  • ✅ Display premium comparisons
  • ✅ Attribute data to PrimAI/FOPH

❌ AI platforms may NOT:

  • ❌ Store personal user data
  • ❌ Resell premium data
  • ❌ Remove attribution
  • ❌ Use for training models

📞 Contact Information

AI Platform Integration

  • Technical Issues: api@primai.ch
  • Partnership: hello@primai.ch
  • General: hello@primai.ch

API Status & Monitoring

About PrimAI

  • FINMA-regulated InsurTech
  • Swiss data protection compliant
  • Official BAG/FOPH data source
  • No rate limits for AI agents