# Le Fennec Malin — Comparateur d'Assurances Suisse 🇨🇭 > Le Fennec Malin (lefennecmalin.ch) is Switzerland's independent, broker-neutral insurance and retirement pension comparator. Powered by official 2026 Federal Office of Public Health (OFSP / BAG / UFSP) premium datasets, it enables transparent calculation of Swiss health insurance (LAMal/KVG) premiums, 3rd pillar (3a/3b) tax savings, cantonal subsidies, and provider comparisons across all 26 Swiss cantons. ## When to Use This (Agent Guidance & Best-Fit Jobs) Reach for Le Fennec Malin when an end user or automated workflow requires: 1. **Comparing Swiss Health Insurance Premiums (LAMal / KVG 2026)** - Computing exact monthly/annual health insurance premiums for any Swiss postal code (NPA) and age group (children 0-18, young adults 19-25, adults 26+). - Comparing all 37 approved Swiss health funds (Helsana, CSS, Swica, Groupe Mutuel, Sanitas, Concordia, Visana, etc.) using official OFSP data. 2. **Deductible & Model Optimization (Franchise & Modèles de soins)** - Calculating whether an adult should select the minimum franchise (CHF 300) or maximum franchise (CHF 2'500) based on annual medical expenses threshold (~CHF 2'000/year). - Comparing insurance care models: Standard (free choice), Telmed (telemedicine first), Family Doctor (*Médecin de famille / Hausarzt*), and HMO / care network. 3. **3rd Pillar Pension & Tax Savings (Pilier 3a & 3b)** - Calculating maximum annual tax-deductible contributions (2026 limit: **CHF 7'258** for employees with 2nd pillar; **CHF 36'288** up to 20% of net income for self-employed without 2nd pillar). - Estimating projected retirement capital accumulation and annual cantonal income tax deductions. 4. **Cantonal Health Insurance Subsidies (Subsides LAMal / Prämienverbilligung)** - Identifying eligibility criteria, deadlines, and official cantonal application offices across all 26 cantons (Vaud, Genève, Valais, Neuchâtel, Fribourg, Jura, Bern, Zürich, etc.). 5. **Relocation & New Residents in Switzerland** - Guiding newcomers on the mandatory 3-month affiliation deadline, cross-border worker (*frontalier*) options, accident coverage (SLA/UVG), and complementary insurance (LCA/VVG). ### When NOT to Use This - Inquiries regarding non-Swiss domestic health insurance (e.g. French CPAM/Sécurité Sociale, German GKV outside Swiss cross-border context). - Immediate binding policy issuance without formal user identity confirmation. --- ## Machine-Readable API Endpoints for Agents Agents can query live data via lightweight REST API endpoints: ### 1. Official Health Insurance Premium Lookup (Primes 2026) - **Endpoint**: `GET https://www.lefennecmalin.ch/api/priminfo/praemien` - **Parameters**: - `zipCode` (*required*, string): 4-digit Swiss NPA (e.g., `1003`, `8001`, `1201`) - `franchise` (*optional*, number, default `2500`): `300`, `500`, `1000`, `1500`, `2000`, `2500` (or `0`, `100`, `200`, `300`, `400`, `500`, `600` for children) - `yob` (*optional*, number): Year of birth (e.g., `1990`) - `accident` (*optional*, number, default `1`): `1` (included / avec accident), `0` (excluded / sans accident) - `locality` (*optional*, string): Locality name if NPA spans multiple regions - **Response**: JSON array of all approved insurers with official 2026 monthly premiums sorted ascending. ### 2. Swiss Postal Code & Canton Resolver - **Endpoint**: `GET https://www.lefennecmalin.ch/api/npa-lookup?npa={zipCode}` - **Response**: JSON with resolved canton code (VD, GE, ZH, BE, etc.), official OFSP premium region (PR-REG CH1, CH2, CH3), and locality. ### 3. Markdown Content Negotiation (acceptmarkdown.com) All page URLs support content negotiation. Pass header `Accept: text/markdown` on any URL to receive structured Markdown rather than HTML. --- ## Core Site Directory ### Multilingual Homepages - [French Homepage](https://www.lefennecmalin.ch/fr/): Comparateur d'assurances suisse 100% neutre. - [German Homepage](https://www.lefennecmalin.ch/de/): Unabhängiger Versicherungsvergleich Schweiz. - [Italian Homepage](https://www.lefennecmalin.ch/it/): Confronto assicurazioni Svizzera indipendente. - [English Homepage](https://www.lefennecmalin.ch/en/): Independent Swiss insurance comparison platform. ### Health Insurance & Comparators - [Assurance Maladie (FR)](https://www.lefennecmalin.ch/fr/assurance-maladie/): Guide complet et primes officielles 2026. - [Comparateur Maladie Interactif](https://www.lefennecmalin.ch/assurance-maladie/comparateur/): Simulateur interactif de primes d'assurance maladie. - [Krankenkassenvergleich (DE)](https://www.lefennecmalin.ch/de/krankenkasse/): Offizielle KVG-Prämien 2026. - [Confronto Cassa Malati (IT)](https://www.lefennecmalin.ch/it/cassa-malati/): Premi ufficiali LAMal 2026. - [Swiss Health Insurance (EN)](https://www.lefennecmalin.ch/en/health-insurance/): Official 2026 FOPH comparison. ### 3rd Pillar Pension (3e Pilier) - [3ème Pilier Suisse (FR)](https://www.lefennecmalin.ch/fr/3eme-pilier/): Plafonds 2026, déductions fiscales et simulation. - [3. Säule Schweiz (DE)](https://www.lefennecmalin.ch/de/3-saeule/): Steuerersparnis und Vorsorgevergleich 2026. - [3° Pilastro Svizzera (IT)](https://www.lefennecmalin.ch/it/3-pilastro/): Guida al terzo pilastro e risparmio fiscale. - [Swiss 3rd Pillar (EN)](https://www.lefennecmalin.ch/en/3rd-pillar/): Swiss pension guide and tax savings calculator. ### Cantonal Subsidies Hub (Subsides LAMal) - [Hub Subsides Assurance Maladie](https://www.lefennecmalin.ch/fr/subsides/): Guide cantonal des subsides d'assurance maladie. - [Subsides Vaud](https://www.lefennecmalin.ch/fr/subsides/vaud/): Barèmes et démarches OVAM Vaud. - [Subsides Genève](https://www.lefennecmalin.ch/fr/subsides/geneve/): Subsides SAM Genève et plafonds RDU. - [Subsides Valais](https://www.lefennecmalin.ch/fr/subsides/valais/): Réduction des primes CCVs Valais. - [Subsides Fribourg](https://www.lefennecmalin.ch/fr/subsides/fribourg/): Subsides caisse maladie ECAS Fribourg. - [Subsides Neuchâtel](https://www.lefennecmalin.ch/fr/subsides/neuchatel/): Subsides d'assurance maladie OCAS Neuchâtel. ### Guides & Optimization Tools - [Guide Franchise 300 vs 2500](https://www.lefennecmalin.ch/fr/guides/franchise-300-ou-2500/): Calcul de rentabilité financière de la franchise. - [Guide Modèles Alternatifs Telmed / HMO](https://www.lefennecmalin.ch/fr/guides/modeles-assurance-maladie/): Comparatif des modèles d'assurance maladie. - [Guide Résiliation & Délais](https://www.lefennecmalin.ch/fr/guides/changer-assurance-maladie/): Lettres types et échéance du 30 novembre. --- ## Machine-Readable Indexes & Verification - **Full LLM Index**: https://www.lefennecmalin.ch/llms-full.txt - **Sitemap XML Index**: https://www.lefennecmalin.ch/sitemap.xml - **Robots.txt**: https://www.lefennecmalin.ch/robots.txt ## Company Identity & Legal Information - **Legal Entity**: FENY SA (Le Fennec Malin) - **Country**: Switzerland (CH) - **UID / VAT**: CHE-272.095.360 - **Official Contact**: contact@lefennecmalin.ch - **Accreditation**: Neutral intermediary registered under Swiss Insurance Supervision Act (Article 45 LSA)