Günstigste Krankenkasse 2027

Independent premium comparison for Swiss basic health insurance — entirely on your device

Terms of use (EULA)

Last updated: 5 September 2026

These terms govern the agreement between you and Babala Özdemir (“we”) regarding your use of the Günstigste Krankenkasse 2027 app. By installing or using the app you accept these terms. If you do not agree, please do not use the app and remove it from your device.

1. What the app does

Cheapest Health Insurance 2027 is an independent premium comparison for Swiss compulsory basic health insurance (KVG/LAMal) on iPhone: you enter your place of residence and household, the app lists all insurers approved for your premium region by monthly total, shows tariff, model and franchise per person, the possible saving compared with your current premium and, in the franchise check, the total cost per franchise for the medical costs you expect. It is based on the 2027 premiums published by the Swiss Federal Office of Public Health (FOPH). Supplementary insurance is not included.

2. Licence

We grant you a non-exclusive, non-transferable, non-sublicensable and revocable right to use the app on devices you own or control, for private purposes, subject to these terms and the usage rules of the respective app store. All rights in the app, its content, text, images, illustrations, voices and source code remain with us or our licensors.

3. What is not permitted

• Reverse engineering, decompiling, disassembling or circumventing technical protection measures, except where mandatory law permits it
• Redistribution, rental, lending or transfer of the app or its content
• Automated extraction of content, or using the app to build a competing product
• Any unlawful use, and any attempt to disrupt operation, security or data integrity
• Presenting the app or its results to third parties as official information from the FOPH or an insurer, or as a binding offer
• Extracting the included data automatically or reusing the app commercially as your own comparison or brokerage service

4. Your content

Your entries belong to you and stay on your device. We never receive them, claim no rights to them and can neither view nor restore them.

5. Price

The app is a paid app that you buy once in Apple’s App Store; the price is shown in the App Store before you buy. There are no in-app purchases, no subscription and no advertising. The app contains the premiums of the year named in its title; whether and when data for later years is released as an update is not guaranteed. With the same Apple ID you can download the app again after reinstalling without paying again. We receive no payment data. Refunds are governed by Apple’s terms (reportaproblem.apple.com).

6. Availability and changes

We continue to develop the app and may change, add or discontinue features. We cannot guarantee uninterrupted availability; maintenance, third-party outages or force majeure may cause interruptions. If a change permanently removes a core feature you paid for, we will inform you and seek an appropriate solution.

7. Warranty and liability

The app is developed with due care and provided “as is”. We are fully liable for damage caused intentionally or by gross negligence, and for injury to life, body or health. For slight negligence we are liable only for breach of essential contractual duties, limited to foreseeable damage typical for this type of contract. Liability for lost profit, data loss or consequential damage is excluded to the extent permitted by law. Mandatory claims under product liability law and mandatory consumer protection law remain reserved.

Please back up important data yourself. We recommend not relying solely on the app where an outage would have significant consequences.

8. Data protection

The data processed by the app is described in the Privacy policy. How to delete your data is described under Delete data.

9. Termination

You may terminate this agreement at any time by deleting the app and, where applicable, removing your account. We may suspend or terminate access if you materially or repeatedly breach these terms. In that case we refund unused prepaid amounts pro rata, unless the suspension results from a serious violation.

10. Governing law and jurisdiction

Swiss law applies, excluding the CISG and conflict-of-law rules. Place of jurisdiction is — to the extent legally permissible — our registered seat in 4414 Füllinsdorf. Mandatory places of jurisdiction for consumers at their domicile remain reserved.

11. Final provisions

If a provision of these terms is invalid, the remaining provisions stay in force. We may amend these terms when the app, the legal framework or store requirements change; material changes are announced in the app. Continued use after a change constitutes acceptance of the new version.

12. Contact