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Health insurance in Lugano 2026

21 insurers offer basic cover in Lugano (Ticino). The benefits are identical everywhere — only the price differs.

The lowest premium

CHF 583.90 per month

Agrisano — AGRIsmart

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 2'911 per year.

21

active insurers

Region 1

Compare my exact premiums

Insurers available in Lugano

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1AgrisanoCheapestCHF 583.90
2sana24CHF 593.80
3AquilanaCHF 607.00
4KPTCHF 613.30
5CONCORDIACHF 613.40
6Assura-BasisCHF 617.80
7CSSCHF 621.20
8SanitasCHF 624.80
9HelsanaCHF 629.10
10GalenosCHF 630.00
11EGKCHF 632.90
12ÖKKCHF 637.80
13AtupriCHF 640.90
14Vivao SympanyCHF 659.50
15PhilosCHF 660.50
16SWICACHF 669.50
17MutuelCHF 683.60
18VisanaCHF 683.80
19AvenirCHF 684.40
20vita surselvaCHF 717.00
21rhenusanaCHF 761.60

Where the municipality sits

Lugano sits in the most expensive of Ticino’s 2 premium regions. The table below shows what the others cost.

These amounts apply to all 70 municipalities in the same premium region: a premium is set per zone, never per municipality.

The postcodes of Lugano

A postcode can straddle two municipalities in different regions. The municipality determines the premium, not the postcode — hence the list below.

  • 6823 Pugerna
  • 6900 Lugano
  • 6900 Paradiso
  • 6912 Pazzallo
  • 6913 Carabbia
  • 6914 Carona
  • 6915 Pambio-Noranco
  • 6917 Barbengo
  • 6918 Figino
  • 6924 Sorengo
  • 6932 Breganzona
  • 6951 Bogno
  • 6951 Colla
  • 6951 Cozzo
  • 6951 Insone
  • 6951 Scareglia
  • 6951 Signôra
  • 6959 Certara
  • 6959 Cimadera
  • 6959 Curtina
  • 6959 Maglio di Colla
  • 6959 Piandera Paese
  • 6962 Viganello
  • 6963 Cureggia
  • 6963 Pregassona
  • 6964 Davesco-Soragno
  • 6965 Cadro
  • 6966 Villa Luganese
  • 6967 Dino
  • 6968 Sonvico
  • 6974 Aldesago
  • 6976 Castagnola
  • 6977 Ruvigliana
  • 6978 Gandria
  • 6979 Brè sopra Lugano

How the premium has moved

The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.

That is +92.3 % over 11 years, or CHF 3'362 more per year.

YearLowest premiumChange
2015CHF 303.70—
2016CHF 348.30+14.7 %
2017CHF 368.60+5.8 %
2018CHF 397.80+7.9 %
2019CHF 417.70+5.0 %
2020CHF 427.20+2.3 %
2021CHF 427.00−0.0 %
2022CHF 442.30+3.6 %
2023CHF 452.40+2.3 %
2024CHF 506.70+12.0 %
2025CHF 536.90+6.0 %
2026CHF 583.90+8.8 %

Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.

The 12 postcodes of this municipality

One postcode can cover several municipalities, and sometimes several premium regions. Each page says so.

6823 Pugerna6900 Lugano6912 Pazzallo6913 Carabbia6914 Carona6915 Pambio-Noranco6917 Barbengo6918 Figino6924 Sorengo6932 Breganzona6951 Bogno6959 Certara

Elsewhere in Ticino

At strictly identical cover, changing premium region changes the price. Here is what the lowest premium costs in the canton’s other regions.

RegionLowest premiumGap over the yearFor example
Region 1 (here)CHF 583.90—Lugano
Region 2CHF 539.00CHF 539 lessAcquarossa, Airolo, Avegno Gordevio

This table is not moving advice: it only says what geography costs, at benefits the law makes identical.

The municipalities of the Lugano district

They do not necessarily belong to the same premium region — check yours.

MunicipalityRegionLowest premiumGap versus here
Lugano (here)Region 1CHF 583.90—
AgnoRegion 1CHF 583.90same zone
Alto MalcantoneRegion 1CHF 583.90same zone
ArannoRegion 1CHF 583.90same zone
ArognoRegion 1CHF 583.90same zone
BedanoRegion 1CHF 583.90same zone
BioggioRegion 1CHF 583.90same zone
BissoneRegion 1CHF 583.90same zone
Brusino ArsizioRegion 1CHF 583.90same zone
CademarioRegion 1CHF 583.90same zone
CadempinoRegion 1CHF 583.90same zone
CanobbioRegion 1CHF 583.90same zone
CapriascaRegion 1CHF 583.90same zone
CaslanoRegion 1CHF 583.90same zone
Collina d'OroRegion 1CHF 583.90same zone
ComanoRegion 1CHF 583.90same zone
CuregliaRegion 1CHF 583.90same zone
GranciaRegion 1CHF 583.90same zone
GravesanoRegion 1CHF 583.90same zone
LamoneRegion 1CHF 583.90same zone
LemaRegion 1CHF 583.90same zone
MagliasoRegion 1CHF 583.90same zone
MannoRegion 1CHF 583.90same zone
MassagnoRegion 1CHF 583.90same zone
MelideRegion 1CHF 583.90same zone
Mezzovico-ViraRegion 1CHF 583.90same zone
MonteceneriRegion 1CHF 583.90same zone
MorcoteRegion 1CHF 583.90same zone
MuzzanoRegion 1CHF 583.90same zone
NeggioRegion 1CHF 583.90same zone
OriglioRegion 1CHF 583.90same zone
ParadisoRegion 1CHF 583.90same zone
Ponte CapriascaRegion 1CHF 583.90same zone
PorzaRegion 1CHF 583.90same zone
PuraRegion 1CHF 583.90same zone
SavosaRegion 1CHF 583.90same zone
SorengoRegion 1CHF 583.90same zone
Torricella-TaverneRegion 1CHF 583.90same zone
TresaRegion 1CHF 583.90same zone
Val MaraRegion 1CHF 583.90same zone
VernateRegion 1CHF 583.90same zone
VeziaRegion 1CHF 583.90same zone
Vico MorcoteRegion 1CHF 583.90same zone

Region 1 — Ticino

The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.

See every municipality — Ticino →

district Lugano →