Cheapest health insurer 2027 in every premium region
The cheapest basic health insurance for adults in 2027 (standard model with free choice of doctor, CHF 300 deductible, with accident cover) costs CHF 405.30 a month: Agrisano in the premium region Zug. Even the cheapest insurer costs CHF 713.00 a month in Ticino, region 1. Across the 42 premium regions, 12 different insurers are the cheapest, most often Agrisano (16 regions). With an alternative model (family doctor, HMO, telemedicine) and the highest deductible, premiums start at CHF 227.50 a month (CONCORDIA, Zug).
Standard = adults 26+, free choice of doctor, CHF 300 deductible, with accident cover. Lowest possible premium = cheapest model and highest deductible (CHF 2,500), with accident cover. FOPH-approved premiums for 2027.
Which insurer is cheapest, and how often?
Number of premium regions where the insurer has the lowest standard premium in 2027.
It depends on where you live, because every premium region has its own premiums. Across Switzerland, the cheapest in the standard model with the CHF 300 deductible is Agrisano in the premium region Zug at CHF 405.30 a month. The premium calculator shows the cheapest insurer for your commune.
Is the cheapest health insurer worse?
No. Basic insurance benefits are set by law (Health Insurance Act, KVG) and are the same at every insurer. Insurers must also accept everyone for basic insurance. Differences are in service, models and supplementary insurance.
Why does my premium depend on where I live?
Premiums apply per premium region. Switzerland has 42 premium regions; your commune of residence decides.
Which insurer is cheapest for children?
Across Switzerland, the cheapest for children (standard model, CHF 0 deductible) is Agrisano in the premium region Zug at CHF 89.20 a month.
Until when can I switch?
You can switch basic insurance every year to 1 January. Your notice must reach your current insurer by 30 November.
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