The cheapest compulsory basic insurance for adults in Valais costs CHF 289.95 a month in 2026 at Sodalis – CHF 2,500 deductible, Other saver models, in the premium region Valais 2. Compared with 2025 insurers here changed their premiums by +6.7 %.
Before you compare: what you are actually choosing
Basic health insurance (Grundversicherung, KVG/LAMal) is compulsory for everyone living in Switzerland, and what it covers is written into federal law. Every insurer must offer exactly the same medical cover and must accept you regardless of your health. So a cheaper premium does not buy you less treatment – it buys the same treatment from a different company.
What you actually choose is three things: the insurer, the deductible (Franchise, CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor, or agree to call a family doctor, an HMO practice or a telemedicine line first. Restricting your first point of contact is what makes the saver models cheaper.
Two things are not your choice: the canton and municipality you live in, which set the premium region, and your age group. Supplementary insurance (Zusatzversicherung) is a separate, voluntary product with its own rules – insurers may reject you there.
In Valais the premium does not depend on the canton but on the premium region. Enter where you live and you will see which table applies to you.
Within Valais the cheapest offer differs by up to CHF 694 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Valais 1 in 2026?
In premium region 1 of the canton of Valais – which covers Sion, Martigny, Monthey – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 347.75 per month in 2026, offered by Atupri (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Valais 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Atupri
HMO model
CHF 347.75
CHF 476.05
+11.8 %
Sanitas
Family doctor model
CHF 353.65
CHF 481.95
+6.4 %
Visana
Other saver models
CHF 354.85
CHF 483.15
+2.7 %
Atupri
Family doctor model
CHF 355.45
CHF 483.75
+7.7 %
Atupri
Other saver models
CHF 358.15
CHF 486.45
+12.0 %
SWICA
Family doctor model
CHF 360.35
CHF 488.65
+1.2 %
sana24
Other saver models
CHF 363.35
CHF 491.75
+7.7 %
CONCORDIA
HMO model
CHF 364.55
CHF 492.85
+11.4 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Valais 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Groupe Mutuel
Other saver models
CHF 212.55
CHF 335.35
+0.8 %
CSS
Family doctor model
CHF 216.35
CHF 344.65
−9.4 %
Sanitas
Family doctor model
CHF 221.30
CHF 349.60
+7.4 %
Groupe Mutuel
HMO model
CHF 221.45
CHF 349.45
−1.6 %
Sanitas
Other saver models
CHF 221.45
CHF 349.75
+7.5 %
Sanitas
HMO model
CHF 225.15
CHF 353.45
+9.3 %
Atupri
HMO model
CHF 227.45
CHF 355.75
+13.7 %
Atupri
Family doctor model
CHF 233.25
CHF 361.55
+8.9 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,474 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,940 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Valais 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Sodalis
Family doctor model
CHF 25.45
CHF 50.35
+4.1 %
Agrisano
Standard (free choice of doctor)
CHF 26.45
CHF 50.25
−2.8 %
GALENOS
HMO model
CHF 26.55
CHF 48.55
−6.2 %
GALENOS
Family doctor model
CHF 26.55
CHF 48.55
−6.2 %
GALENOS
Other saver models
CHF 26.55
CHF 47.05
no prior-year figure
SWICA
Family doctor model
CHF 26.85
CHF 47.85
+0.6 %
SWICA
Other saver models
CHF 26.85
CHF 54.35
+0.6 %
SWICA
Standard (free choice of doctor)
CHF 26.85
CHF 54.35
+0.6 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 299 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 330 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Valais 1? (53 municipalities, 258,778 residents)
What does health insurance cost in premium region Valais 2 in 2026?
In premium region 2 of the canton of Valais – which covers Brig-Glis, Naters, Visp – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 289.95 per month in 2026, offered by Sodalis (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is CSS (19.8% of the insured). Its cheapest offer costs CHF 313.75 a month – CHF 286 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Valais 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Sodalis
Other saver models
CHF 289.95
CHF 418.25
+10.3 %
Agrisano
Other saver models
CHF 290.75
CHF 401.15
−3.0 %
Atupri
Other saver models
CHF 296.65
CHF 424.95
+7.0 %
ÖKK
Family doctor model
CHF 298.55
CHF 426.85
+5.3 %
ÖKK
Other saver models
CHF 298.55
CHF 426.85
+5.3 %
Sympany
Other saver models
CHF 300.75
CHF 429.15
+6.5 %
Sympany
HMO model
CHF 303.35
CHF 431.65
+7.5 %
Helsana
Family doctor model
CHF 306.85
CHF 435.15
−2.9 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,540 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,010 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Valais 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 181.15
CHF 291.45
−3.5 %
CSS
Family doctor model
CHF 188.55
CHF 316.85
−8.2 %
Atupri
Other saver models
CHF 189.35
CHF 317.45
+4.5 %
Sympany
HMO model
CHF 191.95
CHF 313.75
+1.2 %
Sympany
Family doctor model
CHF 191.95
CHF 317.35
+1.2 %
Sympany
Other saver models
CHF 191.95
CHF 311.85
+1.2 %
Agrisano
HMO model
CHF 194.15
CHF 312.15
−4.6 %
Sodalis
Other saver models
CHF 196.85
CHF 325.15
+15.6 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Valais 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 19.65
CHF 35.45
−3.5 %
Agrisano
HMO model
CHF 19.85
CHF 38.25
−3.5 %
Agrisano
Standard (free choice of doctor)
CHF 21.75
CHF 42.05
−3.2 %
SWICA
Family doctor model
CHF 22.65
CHF 42.35
+1.1 %
SWICA
Other saver models
CHF 22.65
CHF 46.45
+1.1 %
SWICA
Standard (free choice of doctor)
CHF 22.65
CHF 46.45
+1.1 %
Sodalis
Family doctor model
CHF 23.25
CHF 44.85
+6.8 %
Sodalis
Other saver models
CHF 23.25
CHF 42.65
+6.8 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 190 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 210 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Valais 2? (69 municipalities, 94,431 residents)
The tables above show the cheapest offers for your region. What you pay today is on your policy – and at identical legal cover, the difference is pure price.
Children are insured cheaply – from CHF 19.65 a month. That ends on 1 January following the 18th birthday: the same person then counts as a young adult and pays at least CHF 181.15, roughly 9.2 times as much and CHF 1,938 more a year. The jump comes with the change of age group, not with the birthday itself.
No compulsory deductible. For children the deductible is voluntary and the lowest tier is zero. Because the break-even point is low, zero is the cheaper choice for most children.
Half the co-payment cap. Above the deductible children pay at most CHF 350 a year themselves, against CHF 700 for adults. If several children of one family are insured with the same insurer, together they pay at most the cost-sharing of one adult – so at most CHF 300 deductible and CHF 700 co-payment (Art. 64 para. 4 KVG). With different insurers this cap does not apply.
Premium reductions for children are mandatory. Cantons must reduce the premiums of children in lower and middle income households by at least 80%, and those of young adults in education by at least 50% (Art. 65 para. 1bis KVG). You apply to your canton of residence, not to the insurer.
Register before the birth. Registering a child only after birth risks rejection or a lifelong exclusion in supplementary insurance. It does not affect basic insurance – there, insurers must accept every applicant.
Why is the premium not the same everywhere in Valais?
Premiums are not approved per canton but per premium region. Valais is divided into 2 of them, because health costs differ noticeably between areas. What counts is your political municipality, not the postcode alone – moving to the next municipality can change your premium, moving within the region cannot.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice. To switch for the 2026 premium year you therefore had to cancel in the previous year: the letter had to arrive at your previous insurer by 30 November 2025 – sending it in time is not enough, so send it by registered post.
The cancellation only takes effect once the new insurer confirms cover, so never cancel before you have that confirmation. Supplementary insurance has its own, usually earlier deadlines – by the end of November it is normally too late for those.
There is a second date almost nobody uses: if you have the ordinary CHF 300 deductible and free choice of doctor, you may also switch at the end of June, with three months' notice – so by the end of March (Art. 7 KVG). With a saver model or a higher deductible that route is closed and the year end is your only option.
