Key facts
- Average premium 2027 in Switzerland: CHF 412.00 per month (+5.0%), adults CHF 487.60.
- Basic health insurance (LAMal/KVG) is compulsory and identical with every insurer: only the price changes.
- To switch on 1 January 2027, your cancellation letter must be received by 30 November 2026.
- No insurer can refuse you for basic insurance, and there is no health questionnaire.
Cheapest insurer by region in 2027 (adult, CHF 300 deductible)
| Region | Standard model | Lowest possible (CHF 2,500, any model) | Max. saving per year |
|---|---|---|---|
| Valais, region 1 Sion, Martigny, Monthey… | Atupri CHF 574.20 | Atupri CHF 379.30 | CHF 944 |
| Valais, region 2 Brig-Glis, Visp, Naters… | Agrisano CHF 496.00 | sodalis CHF 317.90 | CHF 1,447 |
| Vaud, region 1 Lausanne, Montreux, Vevey… | Galenos CHF 661.40 | Atupri CHF 456.00 | CHF 1,433 |
| Vaud, region 2 Yverdon-les-Bains, Aigle, Payerne… | Galenos CHF 614.40 | Philos (Groupe Mutuel) CHF 431.10 | CHF 1,622 |
| Geneva | Assura CHF 711.20 | Assura CHF 483.40 | CHF 2,454 |
| Fribourg, region 1 Fribourg, Villars-sur-Glâne, Marly… | Atupri CHF 593.30 | Atupri CHF 384.90 | CHF 1,277 |
| Fribourg, region 2 Bulle, Estavayer, Châtel-Saint-Denis… | ÖKK CHF 551.00 | KPT CHF 353.80 | CHF 1,096 |
| Neuchâtel | Atupri CHF 675.60 | Sanitas CHF 465.40 | CHF 1,913 |
| Jura | Atupri CHF 655.80 | Sanitas CHF 456.00 | CHF 1,858 |
Full rankings: Geneva · Lausanne & Vaud · Valais · Fribourg · Neuchâtel · Jura (in French). Interactive tool: comparateur LAMal 2027.
Three ways to pay less
- Switch insurer: same cover, often more than CHF 1,000 cheaper per year.
- Alternative model (family doctor, HMO, telemedicine): around 11 to 14% cheaper on average.
- Higher deductible: CHF 2,500 instead of CHF 300 saves about CHF 1,500 a year if your medical costs stay below roughly CHF 2,000.
FAQ
What is the cheapest health insurance in Switzerland in 2027?
It depends on where you live. For an adult with a CHF 300 deductible: Valais, region 1: Atupri (CHF 574.20); Valais, region 2: Agrisano (CHF 496.00); Vaud, region 1: Galenos (CHF 661.40); Vaud, region 2: Galenos (CHF 614.40); Geneva: Assura (CHF 711.20); Fribourg, region 1: Atupri (CHF 593.30); Fribourg, region 2: ÖKK (CHF 551.00); Neuchâtel: Atupri (CHF 675.60); Jura: Atupri (CHF 655.80).
When is the deadline to change health insurance for 2027?
Your cancellation letter must be received by your insurer by 30 November 2026.
Do I get less cover with a cheaper insurer?
No. Basic health insurance benefits are set by law and identical with every insurer.
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