Key facts
- Average adult premium 2027 in Vaud (Lausanne): CHF 543.50 per month (+3.2%, FOPH).
- Cheapest insurer in region 1 (adult, CHF 300 deductible): Galenos at CHF 661.40 per month; up to CHF 1,433 a year cheaper than the most expensive.
- Cheapest insurer in region 2 (adult, CHF 300 deductible): Galenos at CHF 614.40 per month; up to CHF 1,622 a year cheaper than the most expensive.
- Deadline to switch for 2027: letter received by 30 November 2026.
Vaud (Lausanne) has two premium regions. Region 1 includes Lausanne, Montreux, Vevey, Nyon, Morges, Renens; region 2 includes Yverdon-les-Bains, Aigle, Payerne, Bex, Échallens, Moudon.
Adults, CHF 300 deductible, standard model – region 1
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Galenos | CHF 661.40 | CHF 7,937 | — |
| 2 | Atupri | CHF 665.50 | CHF 7,986 | +CHF 4.10 |
| 3 | ÖKK | CHF 678.00 | CHF 8,136 | +CHF 16.60 |
| 4 | Sympany | CHF 691.00 | CHF 8,292 | +CHF 29.60 |
| 5 | Sanitas | CHF 696.00 | CHF 8,352 | +CHF 34.60 |
| 6 | Assura | CHF 699.20 | CHF 8,390 | +CHF 37.80 |
| 7 | Concordia | CHF 703.50 | CHF 8,442 | +CHF 42.10 |
| 8 | Aquilana | CHF 709.50 | CHF 8,514 | +CHF 48.10 |
| 9 | Agrisano | CHF 711.60 | CHF 8,539 | +CHF 50.20 |
| 10 | sana24 | CHF 718.00 | CHF 8,616 | +CHF 56.60 |
| 11 | EGK | CHF 720.80 | CHF 8,650 | +CHF 59.40 |
| 12 | Mutuel Assurance (Groupe Mutuel) | CHF 721.60 | CHF 8,659 | +CHF 60.20 |
| 13 | Helsana | CHF 726.00 | CHF 8,712 | +CHF 64.60 |
| 14 | Avenir (Groupe Mutuel) | CHF 728.60 | CHF 8,743 | +CHF 67.20 |
| 15 | Visana | CHF 729.10 | CHF 8,749 | +CHF 67.70 |
| 16 | SWICA | CHF 732.40 | CHF 8,789 | +CHF 71.00 |
| 17 | vita surselva | CHF 736.00 | CHF 8,832 | +CHF 74.60 |
| 18 | KPT | CHF 745.50 | CHF 8,946 | +CHF 84.10 |
| 19 | CSS | CHF 748.00 | CHF 8,976 | +CHF 86.60 |
| 20 | Philos (Groupe Mutuel) | CHF 779.20 | CHF 9,350 | +CHF 117.80 |
| 21 | rhenusana | CHF 780.80 | CHF 9,370 | +CHF 119.40 |
Lowest possible premium (CHF 2,500, any model) – region 1
| # | Insurer | Model | Per month | Per year | Difference |
|---|---|---|---|---|---|
| 1 | Atupri | HMO | CHF 456.00 | CHF 5,472 | — |
| 2 | Assura | MediTel | CHF 459.10 | CHF 5,509 | +CHF 3.10 |
| 3 | Sanitas | TelMed Basic | CHF 459.80 | CHF 5,518 | +CHF 3.80 |
| 4 | Sympany | flexhelp24 | CHF 462.50 | CHF 5,550 | +CHF 6.50 |
| 5 | SWICA | Favorit Santé | CHF 472.30 | CHF 5,668 | +CHF 16.30 |
Young adults (19-25) and children – region 1
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Sanitas | CHF 442.65 | CHF 5,312 | — |
| 2 | Atupri | CHF 487.10 | CHF 5,845 | +CHF 44.45 |
| 3 | Sympany | CHF 504.50 | CHF 6,054 | +CHF 61.85 |
| 4 | EGK | CHF 504.60 | CHF 6,055 | +CHF 61.95 |
| 5 | Visana | CHF 510.50 | CHF 6,126 | +CHF 67.85 |
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Agrisano | CHF 156.60 | CHF 1,879 | — |
| 2 | Aquilana | CHF 163.20 | CHF 1,958 | +CHF 6.60 |
| 3 | CSS | CHF 164.60 | CHF 1,975 | +CHF 8.00 |
| 4 | Helsana | CHF 166.90 | CHF 2,003 | +CHF 10.30 |
| 5 | Assura | CHF 169.30 | CHF 2,032 | +CHF 12.70 |
Adults, CHF 300 deductible, standard model – region 2
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Galenos | CHF 614.40 | CHF 7,373 | — |
| 2 | Atupri | CHF 636.60 | CHF 7,639 | +CHF 22.20 |
| 3 | ÖKK | CHF 645.00 | CHF 7,740 | +CHF 30.60 |
| 4 | Assura | CHF 648.90 | CHF 7,787 | +CHF 34.50 |
| 5 | Agrisano | CHF 652.20 | CHF 7,826 | +CHF 37.80 |
| 6 | EGK | CHF 659.60 | CHF 7,915 | +CHF 45.20 |
| 7 | Sympany | CHF 667.00 | CHF 8,004 | +CHF 52.60 |
| 8 | Concordia | CHF 667.80 | CHF 8,014 | +CHF 53.40 |
| 9 | KPT | CHF 671.10 | CHF 8,053 | +CHF 56.70 |
| 10 | Aquilana | CHF 675.50 | CHF 8,106 | +CHF 61.10 |
| 11 | Avenir (Groupe Mutuel) | CHF 677.60 | CHF 8,131 | +CHF 63.20 |
| 12 | vita surselva | CHF 678.00 | CHF 8,136 | +CHF 63.60 |
| 13 | Mutuel Assurance (Groupe Mutuel) | CHF 678.40 | CHF 8,141 | +CHF 64.00 |
| 14 | Philos (Groupe Mutuel) | CHF 681.80 | CHF 8,182 | +CHF 67.40 |
| 15 | sana24 | CHF 684.00 | CHF 8,208 | +CHF 69.60 |
| 16 | Helsana | CHF 685.00 | CHF 8,220 | +CHF 70.60 |
| 17 | Sanitas | CHF 688.50 | CHF 8,262 | +CHF 74.10 |
| 18 | Visana | CHF 699.80 | CHF 8,398 | +CHF 85.40 |
| 19 | SWICA | CHF 703.60 | CHF 8,443 | +CHF 89.20 |
| 20 | CSS | CHF 710.00 | CHF 8,520 | +CHF 95.60 |
| 21 | rhenusana | CHF 749.60 | CHF 8,995 | +CHF 135.20 |
Lowest possible premium (CHF 2,500, any model) – region 2
| # | Insurer | Model | Per month | Per year | Difference |
|---|---|---|---|---|---|
| 1 | Philos (Groupe Mutuel) | SanaTel (Télémédecine) | CHF 431.10 | CHF 5,173 | — |
| 2 | Assura | PharMed | CHF 433.00 | CHF 5,196 | +CHF 1.90 |
| 3 | KPT | KPTwin.smart - Médecin de famille avec app | CHF 434.20 | CHF 5,210 | +CHF 3.10 |
| 4 | Atupri | TelFirst | CHF 437.00 | CHF 5,244 | +CHF 5.90 |
| 5 | Sympany | flexhelp24 | CHF 438.70 | CHF 5,264 | +CHF 7.60 |
Young adults (19-25) and children – region 2
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Sanitas | CHF 437.90 | CHF 5,255 | — |
| 2 | EGK | CHF 461.80 | CHF 5,542 | +CHF 23.90 |
| 3 | Agrisano | CHF 476.10 | CHF 5,713 | +CHF 38.20 |
| 4 | Atupri | CHF 476.20 | CHF 5,714 | +CHF 38.30 |
| 5 | Avenir (Groupe Mutuel) | CHF 477.50 | CHF 5,730 | +CHF 39.60 |
| # | Insurer | Per month | Per year | Difference |
|---|---|---|---|---|
| 1 | Agrisano | CHF 143.50 | CHF 1,722 | — |
| 2 | Aquilana | CHF 155.40 | CHF 1,865 | +CHF 11.90 |
| 3 | CSS | CHF 156.20 | CHF 1,874 | +CHF 12.70 |
| 4 | Assura | CHF 157.20 | CHF 1,886 | +CHF 13.70 |
| 5 | Helsana | CHF 157.50 | CHF 1,890 | +CHF 14.00 |
FAQ
What is the cheapest health insurance in Vaud (Lausanne) in 2027?
Region 1: Galenos at CHF 661.40 per month (adult, CHF 300 deductible, standard model). Region 2: Galenos at CHF 614.40 per month (adult, CHF 300 deductible, standard model).
How much are health insurance premiums rising in Vaud (Lausanne) in 2027?
According to the FOPH, the average adult premium rises by 3.2% to CHF 543.50 per month.
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