The cheapest compulsory basic insurance for adults in Zurich costs CHF 312.25 a month in 2026 at Agrisano – CHF 2,500 deductible, Other saver models, in the premium region Zurich 3. Compared with 2025 insurers here changed their premiums by +5.7 %.
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 Zurich 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 Zurich the cheapest offer differs by up to CHF 864 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Zurich 1 in 2026?
In premium region 1 of the canton of Zurich – which covers Zürich – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 384.25 per month in 2026, offered by Atupri (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is Helsana (17.7% of the insured). Its cheapest offer costs CHF 400.15 a month – CHF 191 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 Zurich 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 384.25
CHF 512.55
+5.8 %
Assura
Family doctor model
CHF 389.35
CHF 517.65
+6.7 %
Sympany
HMO model
CHF 394.45
CHF 522.75
+6.8 %
Sympany
Other saver models
CHF 394.45
CHF 522.75
+7.7 %
CSS
Family doctor model
CHF 397.15
CHF 525.45
−0.2 %
Sanitas
Other saver models
CHF 399.25
CHF 527.55
−1.0 %
Helsana
Family doctor model
CHF 400.15
CHF 528.45
+7.1 %
Sanitas
Family doctor model
CHF 405.45
CHF 533.75
+5.9 %
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 Zurich 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Assura
Family doctor model
CHF 237.75
CHF 366.05
+3.4 %
CSS
Family doctor model
CHF 243.25
CHF 371.55
−8.1 %
Sympany
HMO model
CHF 251.85
CHF 380.25
+3.4 %
Sympany
Other saver models
CHF 251.85
CHF 380.25
+4.3 %
Sanitas
Family doctor model
CHF 253.05
CHF 381.35
+6.8 %
Sanitas
Other saver models
CHF 253.15
CHF 381.45
+6.8 %
Atupri
HMO model
CHF 254.85
CHF 383.15
+6.6 %
Avenir
Other saver models
CHF 255.05
CHF 383.05
−0.2 %
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
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Zurich 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 28.55
CHF 52.75
+6.0 %
Agrisano
HMO model
CHF 28.65
CHF 53.75
+6.0 %
SWICA
HMO model
CHF 30.05
CHF 57.55
+5.4 %
SWICA
Family doctor model
CHF 30.05
CHF 53.55
+5.4 %
SWICA
Other saver models
CHF 30.05
CHF 60.25
+5.4 %
SWICA
Standard (free choice of doctor)
CHF 30.05
CHF 60.25
+5.4 %
Agrisano
Standard (free choice of doctor)
CHF 31.35
CHF 58.85
+6.1 %
sana24
HMO model
CHF 31.85
CHF 57.45
+3.6 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 290 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 320 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 Zurich 1? (1 municipalities, 423,193 residents)
Zürich
What does health insurance cost in premium region Zurich 2 in 2026?
In premium region 2 of the canton of Zurich – which covers Winterthur, Uster, Dübendorf – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 342.15 per month in 2026, offered by Atupri (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is Helsana (17.7% of the insured). Its cheapest offer costs CHF 360.35 a month – CHF 218 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 Zurich 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Atupri
HMO model
CHF 342.15
CHF 470.45
−0.3 %
KPT
Other saver models
CHF 349.85
CHF 478.15
+4.6 %
CSS
Family doctor model
CHF 351.15
CHF 479.45
−1.2 %
Agrisano
Other saver models
CHF 352.45
CHF 462.75
+9.3 %
Sanitas
Other saver models
CHF 354.95
CHF 483.25
−1.1 %
KPT
Family doctor model
CHF 358.65
CHF 486.95
+0.9 %
CONCORDIA
HMO model
CHF 358.85
CHF 487.15
+10.1 %
Helsana
Family doctor model
CHF 360.35
CHF 488.65
+9.3 %
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 Zurich 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
CSS
Family doctor model
CHF 215.45
CHF 343.75
−7.5 %
Assura
Family doctor model
CHF 220.75
CHF 349.05
+3.8 %
Sanitas
Family doctor model
CHF 220.85
CHF 349.15
+8.0 %
Sanitas
Other saver models
CHF 220.95
CHF 349.25
+8.0 %
Atupri
HMO model
CHF 223.25
CHF 351.55
−0.4 %
Visana
HMO model
CHF 224.15
CHF 346.05
+3.8 %
Sanitas
HMO model
CHF 224.65
CHF 352.95
+9.8 %
Agrisano
Other saver models
CHF 226.15
CHF 336.45
+10.5 %
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
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Zurich 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 23.55
CHF 41.75
+6.3 %
Agrisano
HMO model
CHF 23.75
CHF 44.95
+5.5 %
Agrisano
Standard (free choice of doctor)
CHF 25.95
CHF 49.35
+6.1 %
SWICA
HMO model
CHF 26.25
CHF 51.55
+5.4 %
SWICA
Family doctor model
CHF 26.25
CHF 47.65
+5.4 %
SWICA
Other saver models
CHF 26.25
CHF 53.25
+5.4 %
SWICA
Standard (free choice of doctor)
CHF 26.25
CHF 53.25
+5.4 %
Visana
HMO model
CHF 27.95
CHF 45.35
+3.8 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 218 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 240 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 Zurich 2? (37 municipalities, 620,030 residents)
What does health insurance cost in premium region Zurich 3 in 2026?
In premium region 3 of the canton of Zurich – which covers Wetzikon (ZH), Bülach, Illnau-Effretikon – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 312.25 per month in 2026, offered by Agrisano (Other saver models). 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 Zurich 3 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 312.25
CHF 422.65
+9.5 %
Sanitas
Other saver models
CHF 317.95
CHF 446.25
−0.4 %
Rhenusana
Other saver models
CHF 318.55
CHF 442.75
+1.3 %
Rhenusana
Family doctor model
CHF 318.75
CHF 444.75
+1.3 %
Krankenkasse Wädenswil
Family doctor model
CHF 319.35
CHF 447.65
+7.9 %
ÖKK
HMO model
CHF 319.65
CHF 447.95
+9.6 %
Assura
Family doctor model
CHF 320.55
CHF 448.85
+3.4 %
SLKK
Other saver models
CHF 321.35
CHF 434.25
+9.5 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,325 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
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Zurich 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Assura
Family doctor model
CHF 191.85
CHF 317.25
+2.4 %
Sanitas
Family doctor model
CHF 194.00
CHF 322.30
+9.4 %
Sanitas
Other saver models
CHF 194.15
CHF 322.45
+9.4 %
Rhenusana
Other saver models
CHF 196.45
CHF 310.75
+1.5 %
Rhenusana
Family doctor model
CHF 196.55
CHF 318.05
+1.5 %
Agrisano
Other saver models
CHF 196.75
CHF 307.15
+10.9 %
Sanitas
HMO model
CHF 197.55
CHF 325.85
+11.3 %
CSS
Family doctor model
CHF 201.95
CHF 330.25
−6.0 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,505 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,970 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 Zurich 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 21.05
CHF 37.55
+6.1 %
Agrisano
HMO model
CHF 21.25
CHF 40.55
+6.0 %
Agrisano
Standard (free choice of doctor)
CHF 23.15
CHF 44.55
+6.0 %
SWICA
HMO model
CHF 24.15
CHF 47.65
+5.4 %
SWICA
Family doctor model
CHF 24.15
CHF 43.95
+5.4 %
SWICA
Other saver models
CHF 24.15
CHF 49.25
+5.4 %
SWICA
Standard (free choice of doctor)
CHF 24.15
CHF 49.25
+5.4 %
Visana
HMO model
CHF 25.75
CHF 42.05
+3.7 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 198 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 220 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 Zurich 3? (122 municipalities, 521,439 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 21.05 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 191.85, roughly 9.1 times as much and CHF 2,050 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 Zurich?
Premiums are not approved per canton but per premium region. Zurich is divided into 3 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.
