Health insurance as a student
Little income, few medical costs, and a premium that still weighs despite the young-adult rate. This is where a high deductible defends itself best.
The household priced
- 1 × Studentyoung adult · Deductible CHF 2'500 · accident included
The most affordable canton is Zug, at CHF 149.80 a month for this household.
The most expensive is Geneva, at CHF 316.80 a month — for exactly the same cover.
From 19 to 25, LAMal applies the young-adult rate, clearly below the adult one. With no employer, accident cover stays in the health insurance — a student job over eight hours a week changes that and allows suspension. A CHF 2,500 deductible is coherent as long as costs stay occasional: the deductible calculator gives the threshold beyond which it stops paying off.
What it costs, canton by canton
| Canton | Cheapest | Average premium | Gap over the year | Cheapest insurer |
|---|---|---|---|---|
| Zug | CHF 149.80 | CHF 179.73 | CHF 359 | Agrisano |
| Appenzell Innerrhoden | CHF 154.40 | CHF 196.81 | CHF 509 | CSS |
| Uri | CHF 168.30 | CHF 224.23 | CHF 671 | Agrisano |
| Obwalden | CHF 171.00 | CHF 224.27 | CHF 639 | Agrisano |
| Nidwalden | CHF 172.20 | CHF 220.61 | CHF 581 | Agrisano |
| Schwyz | CHF 181.80 | CHF 238.15 | CHF 676 | Agrisano |
| St. Gallen | CHF 182.80 | CHF 252.66 | CHF 838 | Agrisano |
| Lucerne | CHF 183.10 | CHF 248.79 | CHF 788 | CSS |
| Valais | CHF 186.30 | CHF 262.36 | CHF 913 | Agrisano |
| Grisons | CHF 186.90 | CHF 253.23 | CHF 796 | Agrisano |
| Appenzell Ausserrhoden | CHF 190.70 | CHF 251.93 | CHF 735 | Agrisano |
| Zurich | CHF 197.00 | CHF 283.84 | CHF 1'042 | Assura-Basis |
| Glarus | CHF 197.40 | CHF 250.45 | CHF 637 | Visana |
| Thurgau | CHF 203.30 | CHF 253.91 | CHF 607 | Agrisano |
| Schaffhausen | CHF 206.30 | CHF 274.23 | CHF 815 | Agrisano |
| Bern | CHF 206.60 | CHF 298.85 | CHF 1'107 | Visana |
| Fribourg | CHF 212.10 | CHF 284.10 | CHF 864 | CSS |
| Aargau | CHF 212.60 | CHF 269.12 | CHF 678 | CSS |
| Solothurn | CHF 226.80 | CHF 287.23 | CHF 725 | Assura-Basis |
| Basel-Landschaft | CHF 230.30 | CHF 324.21 | CHF 1'127 | Assura-Basis |
| Jura | CHF 261.20 | CHF 344.40 | CHF 998 | EGK |
| Vaud | CHF 272.30 | CHF 342.81 | CHF 846 | Philos |
| Ticino | CHF 274.20 | CHF 371.75 | CHF 1'171 | CSS |
| Neuchâtel | CHF 286.85 | CHF 364.96 | CHF 937 | Sanitas |
| Basel-Stadt | CHF 292.10 | CHF 361.49 | CHF 833 | CSS |
| Geneva | CHF 316.80 | CHF 394.87 | CHF 937 | Mutuel |
The amounts are the lowest premium found in the canton, across all models, for the composition above. A canton’s lowest premium sits in one specific premium region: your municipality may belong to another. The comparator gives the exact figure for your postcode. When a household has several insured people, each is placed with the insurer cheapest for them: the right-hand column may therefore name two, and nothing requires a family to choose the same insurer for everyone.
Three things to check
- 1Apply for the cantonal premium subsidy: many cantons have a specific scale for students, and it does not arrive on its own.
- 2If you work more than eight hours a week for the same employer, have accident cover suspended: around 7 % off the premium.
- 3Studying abroad does not exempt you while you remain domiciled in Switzerland — an exemption exists, but it must be requested.
The other situations
2026 · OFSP / priminfo.admin.ch