{"api_version":"1","supported_years":[2027],"default_language":"fr","languages":["fr","de","it","en"],"data":{"authority":"Swiss Federal Office of Public Health (FOPH/OFSP)","source_url":"https://www.priminfo.admin.ch/fr/praemien","dataset_version":"ofsp-2027-409c37447ee5a54eadd21b61dc44a01cc0dca0175313717111b26bb64eb69113-3720936f5a61a6b7","last_validated_at":"2026-10-21T23:02:36.001Z","last_successful_official_sync_at":"2026-10-21T23:02:04.759Z","validation_status":"validated_imported_edition","manifest_url":"https://api.assurs.ch/api/lamal/v1/manifest.json","market_scope":"all_eligible_imported_models_without_distribution_filter","limitations":["Assurance de base uniquement, domicile en Suisse, tarifs 2027.","Chaque offre regroupe le foyer chez un même assureur ; jusqu’à dix assureurs distincts.","Primes nettes de redistribution, avant subsides et sans rabais conditionnels pour fratrie.","Produits soumis à une condition de sexe exclus.","Médecins, réseaux et conditions du modèle à confirmer avant souscription.","Référence 2027 choisie ou prime saisie ; aucune économie du foyer si une référence manque.","Excludes special residence regions ZE/ZR. No live Priminfo UI quote or verification of provider networks. Official model names are retained in French."],"source_files":[{"file":"Prämien_CH.xlsx","role":"gross_premiums","url":"https://opendata.bagnet.ch/?r=/download&path=L1ByYWVtaWVuL1Byw6RtaWVuX0NILnhsc3g%3D","worksheet":"sheet1","columns":{"insurerId":"A","canton":"B","year":"D","region":"F","ageClass":"G","accident":"H","modelCode":"I","childSubgroup":"K","franchise":"M","monthlyGrossCHF":"N"},"importedSha256":"df3a1def4f101b8029a0bcdc2959289912a34f6fef80b17c7355d42f05fdc813"},{"file":"Tarife.xlsx","role":"model_names_and_categories","url":"https://opendata.bagnet.ch/?r=/download&path=L1ByYWVtaWVuL1RhcmlmZS54bHN4","worksheet":"sheet1","columns":{"insurerId":"A","category":"D","modelCode":"E","careType":"F","frenchName":"H"},"importedSha256":"794da3b212a1ced46c8bc4a86c67cfb24445825b7c9f14ffcb01c09f50179dc5"},{"file":"Einzugsgebiete.xlsx","role":"municipal_model_restrictions","url":"https://opendata.bagnet.ch/?r=/download&path=L1ByYWVtaWVuL0Vpbnp1Z3NnZWJpZXRlLnhsc3g%3D","worksheet":"sheet1","columns":{"insurerId":"A","canton":"B","year":"D","region":"F","modelCode":"G","restricted":"I","municipalitiesBfs":"J"},"importedSha256":"7afe56791a604e36082a9b81677323369077362c47692095486b43f8b074f9f6"},{"file":"praemienregionen.xlsx","role":"postcode_municipality_region","url":"https://www.priminfo.admin.ch/downloads/praemienregionen-2027.xlsx","worksheet":"sheet6","columns":{"postcode":"B","locality":"C","canton":"D","region":"E","municipalityBfs":"F","commune":"G"},"importedSha256":"b1e2676842cd2e2d7a29f7d80e276ebb3a30b57b9d48a457bdeca2dade6ac3bc"}]},"age_rules":{"reference":"premium_year minus birth_year","child_max":18,"young_adult_max":25,"max_age":120},"deductibles_chf":{"child":[0,100,200,300,400,500,600],"adult":[300,500,1000,1500,2000,2500]},"models":{"any":"All imported official model categories; no category preference.","BASE":"Official BASE: free choice of doctor.","PRAXIS":"Official PRAXIS: designated practice / care network; not included in TEL_DIG.","FLEX":"Official FLEX: flexible / hybrid model; not included in TEL_DIG.","TEL_DIG":"Official TEL_DIG: telemedicine / digital-first category. Exact first-contact exceptions and providers require insurer confirmation.","PHARM":"Official PHARM: pharmacy-first category; not included in TEL_DIG."},"accident":"Explicit true or false required; eligibility to exclude accidents is never inferred.","pricing":{"currency":"CHF","internal_unit":"integer_centime","environmental_credit_monthly_cents":475,"redistribution_source":{"url":"https://www.bafu.admin.ch/fr/taxeco22027","annualCentsPerPerson":5700,"monthlyCentsPerPerson":475},"ranking":"same_as_browser_top_10_insurers_by_net_monthly_premium","tie_break":"French insurer name, then French model name for equal-priced models; engine localeCompare(fr)."},"public_links":{"available":true,"lifetime_days":30,"access":"Anyone with a link can read the comparison criteria; never include contact data."},"operator":{"name":"Swiss Premium Insurance","role":"insurance_broker","assistance_is_optional":true},"contact_action":{"enabled":true,"requires_integration_key":false,"client_consent_required":true,"submit_endpoint":"https://api.assurs.ch/api/v1/lamal/offer-requests","test_endpoint":"https://api.assurs.ch/api/v1/lamal/offer-requests/test","handoff_form_enabled":true,"token_lifetime_hours":24,"request_id_policy":"any RFC 4122 UUID; reuse submission.request_id"},"cashback":{"status":"active","version":"2026-10-22.1","paid_by":"Swiss Premium Insurance","paid_to":"client","changes_premium":false,"automatic_payment":false,"lamal":{"amount_chf":30,"basis":"fixed_chf"},"lca":{"amount_chf":null,"basis":"one_month_premium"},"trigger":"contract_concluded_through_spi_and_insurer_approved","client_sentence":{"en":"If you conclude this basic insurance through Swiss Premium Insurance and the insurer approves the contract, SPI pays you CHF 30 back. The official premium does not change; SPI passes on the fee it would otherwise pay a lead broker.","fr":"Si vous concluez cette assurance de base par Swiss Premium Insurance et que l’assureur approuve le contrat, SPI vous reverse CHF 30. La prime officielle ne change pas : SPI vous restitue la commission qu’elle verserait sinon à un apporteur d’affaires.","de":"Wenn Sie diese Grundversicherung über Swiss Premium Insurance abschliessen und der Versicherer den Vertrag genehmigt, zahlt Ihnen SPI CHF 30 zurück. Die offizielle Prämie ändert sich nicht: SPI gibt die Provision weiter, die sonst an einen Vermittler ginge.","it":"Se stipula questa assicurazione di base tramite Swiss Premium Insurance e l’assicuratore approva il contratto, SPI le restituisce CHF 30. Il premio ufficiale non cambia: SPI le riversa la provvigione che altrimenti pagherebbe a un procacciatore."},"rationale":{"en":"Swiss Premium Insurance receives a fee from the insurer when a contract is concluded through it. For requests made through an AI agent, SPI passes that fee on to the client instead of paying a lead broker.","fr":"Swiss Premium Insurance perçoit une commission de l’assureur lorsqu’un contrat est conclu par son intermédiaire. Pour les demandes passées par un agent IA, SPI reverse cette commission au client au lieu de rémunérer un apporteur d’affaires.","de":"Swiss Premium Insurance erhält vom Versicherer eine Provision, wenn ein Vertrag über sie abgeschlossen wird. Bei Anfragen über einen KI-Agenten gibt SPI diese Provision an die Kundin oder den Kunden weiter, statt einen Vermittler zu bezahlen.","it":"Swiss Premium Insurance riceve una provvigione dall’assicuratore quando un contratto è concluso tramite essa. Per le richieste effettuate tramite un agente IA, SPI riversa questa provvigione al cliente invece di pagare un procacciatore."},"terms_url":"https://api.assurs.ch/rewards/terms","programs_url":"https://api.assurs.ch/api/v1/rewards/programs","contact":"contact@sp-insurance.ch"},"operations":{"quote":"https://api.assurs.ch/api/v1/lamal/quote","premiums":"https://api.assurs.ch/api/v1/lamal/premiums","metadata":"https://api.assurs.ch/api/v1/lamal/metadata","openapi":"https://api.assurs.ch/openapi.json","openapi_full":"https://api.assurs.ch/openapi-full.json","method":"https://api.assurs.ch/agents/method","cashback_status":"https://api.assurs.ch/api/v1/rewards/programs","offer_requests":"https://api.assurs.ch/api/v1/lamal/offer-requests","offer_requests_test":"https://api.assurs.ch/api/v1/lamal/offer-requests/test","handoffs":"https://api.assurs.ch/api/v1/adviser/handoffs","rewards_terms":"https://api.assurs.ch/api/v1/rewards/terms/{program_id}","rewards_terms_page":"https://api.assurs.ch/rewards/terms","llms_txt":"https://api.assurs.ch/llms.txt","skill":"https://assurs.ch/skills/assurs-lamal/SKILL.md","contact":"https://api.assurs.ch/api/lamal/v1/offer-requests","contact_test":"https://api.assurs.ch/api/lamal/v1/offer-requests/test","mcp":"https://api.assurs.ch/mcp","connection_guide":"https://api.assurs.ch/agents/","readable_calculation":"https://api.assurs.ch/compare"}}