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The cheapest health insurer

There is an answer, but it only holds in 26 cases out of 42. Here is who is cheapest, where, and what the law guarantees you before you even ask.

The short answer, and why it is not enough

Agrisano has the lowest premium in 26 of Switzerland's 42 tariff zones — 61.9 % of the country.

But 9 different insurers are cheapest in at least one zone. Put another way: for one person in three the answer above is wrong — their commune decides, not the Swiss average.

No insurer may turn you down

  • « Within the limits of their operating area, insurers must accept any person required to take out compulsory health insurance (basic insurance). »
  • « They may not impose any reservation or waiting period, regardless of the age and state of health of the person to be insured. »
  • « Insured persons may choose freely among the insurers active in their place of residence. »

Those are the FOPH's words. The only limit is the operating area: an insurer need not operate everywhere, but where it does, it accepts you — whatever your age or state of health. Which ones operate in YOUR commune is exactly what the comparator at the foot of this page answers. One caveat: this guarantee covers basic insurance only. Supplementary policies may refuse, and some insurers reserve theirs for a particular public.

The cheapest in each canton

CantonCheapestPremiumZonesDifferent answers
ZugAgrisanoCHF 335.1011
Appenzell InnerrhodenAgrisanoCHF 353.5011
UriAgrisanoCHF 376.6011
ObwaldenAgrisanoCHF 382.8011
NidwaldenAgrisanoCHF 385.4011
SchwyzAgrisanoCHF 400.2011
St. GallenAgrisanoCHF 401.6032
Grisonsvita surselvaCHF 404.7033
ValaisAgrisanoCHF 406.3022
Appenzell AusserrhodenAgrisanoCHF 412.3011
LucerneAgrisanoCHF 414.3032
ZurichAgrisanoCHF 427.8032
ThurgauAgrisanoCHF 429.7011
GlarusAgrisanoCHF 433.2011
SchaffhausenAgrisanoCHF 433.8022
BernAgrisanoCHF 447.5032
FribourgAgrisanoCHF 450.0022
AargauAgrisanoCHF 453.8011
SolothurnAgrisanoCHF 486.2011
Basel-LandschaftAgrisanoCHF 494.8022
VaudAssura-BasisCHF 537.3022
TicinoAgrisanoCHF 539.0021
JuraAgrisanoCHF 543.1011
NeuchâtelVisanaCHF 554.2011
Basel-StadtCSSCHF 575.9011
GenevaAssura-BasisCHF 604.3011

The insurers that win at least one zone

A tariff zone is a canton + premium region pair: the unit at which a premium actually exists. The number of communes shows the real weight of each win.

CheapestZones wonCommunes coveredIts lowest premium
Agrisano261345CHF 335.10
Atupri4176CHF 451.60
Sanitas344CHF 453.60
Visana3251CHF 493.60
Assura-Basis2228CHF 537.30
vita surselva140CHF 404.70
ÖKK12CHF 480.30
Vivao Sympany125CHF 501.10
CSS13CHF 575.90

The insurers present across most of the country

Ranking every insurer by average premium would push up regional funds present in a single canton — their average is not about the same Switzerland. This table keeps only those present in 20 cantons or more.

CheapestCantonsAverage premiumIts lowest premium
Agrisano26CHF 498.71CHF 335.10
Sumiswalder21CHF 507.77CHF 408.10
ÖKK26CHF 517.46CHF 367.20
Helsana26CHF 519.28CHF 365.50
Atupri26CHF 521.02CHF 367.40
CONCORDIA26CHF 521.24CHF 335.70
Vivao Sympany26CHF 521.81CHF 345.00
CSS26CHF 525.42CHF 361.70
Sanitas26CHF 526.54CHF 354.20
SLKK21CHF 527.23CHF 343.20
Assura-Basis26CHF 532.26CHF 371.70
KPT26CHF 532.49CHF 346.50
SWICA26CHF 535.70CHF 361.60
Aquilana26CHF 540.41CHF 378.00
EGK26CHF 546.44CHF 395.80
Galenos26CHF 548.26CHF 360.70
Visana26CHF 549.20CHF 340.70
Avenir26CHF 549.92CHF 360.40
Mutuel26CHF 552.61CHF 364.00
Philos26CHF 559.12CHF 385.70
sana2426CHF 563.42CHF 370.30
vita surselva26CHF 564.41CHF 404.70
rhenusana26CHF 564.60CHF 429.30

What this ranking does not say

Every figure on this page covers one profile: adult, CHF 300 deductible, accident included, cheapest model available. Change the deductible or the age and the order changes. That is why the page ends with a comparator rather than a final ranking.

Compare for my commune

Sources

Official FOPH premiums, reproduced unchanged. Quotations: FOPH, "Premiums and costs: answers to frequently asked questions", accessed 25 August 2026. 2026