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Health insurance Vaud 2026

The official premiums for canton Vaud: 21 active insurers, 300 municipalities. Pick your municipality to see your exact prices.

The lowest premium

CHF 537.30 per month

Assura-Basis — PharMed

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 2'719 per year.

21

active insurers

Compare my exact premiums

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 +63.9 % over 11 years, or CHF 2'514 more per year.

YearLowest premiumChange
2015CHF 327.80—
2016CHF 340.00+3.7 %
2017CHF 364.30+7.1 %
2018CHF 391.80+7.5 %
2019CHF 422.60+7.9 %
2020CHF 415.00−1.8 %
2021CHF 406.50−2.0 %
2022CHF 407.00+0.1 %
2023CHF 424.20+4.2 %
2024CHF 488.50+15.2 %
2025CHF 501.60+2.7 %
2026CHF 537.30+7.1 %

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

Insurers available in VaudRegion 1

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

#InsurerFrom
1AtupriCheapestCHF 570.10
2SanitasCHF 571.00
3CSSCHF 575.90
4Assura-BasisCHF 578.90
5Vivao SympanyCHF 579.70
6HelsanaCHF 580.10
7SWICACHF 581.60
8GalenosCHF 583.10
9sana24CHF 586.40
10AquilanaCHF 590.70
11ÖKKCHF 594.00
12CONCORDIACHF 596.70
13AvenirCHF 598.80
14VisanaCHF 605.20
15MutuelCHF 617.50
16KPTCHF 622.10
17EGKCHF 626.40
18PhilosCHF 626.40
19AgrisanoCHF 687.50
20vita surselvaCHF 722.00
21rhenusanaCHF 750.70

Insurers available in VaudRegion 2

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

#InsurerFrom
1Assura-BasisCheapestCHF 537.30
2AtupriCHF 539.50
3PhilosCHF 548.10
4sana24CHF 550.70
5GalenosCHF 553.60
6EGKCHF 554.30
7CSSCHF 554.40
8AvenirCHF 556.90
9SWICACHF 558.80
10HelsanaCHF 560.10
11SanitasCHF 561.60
12AquilanaCHF 562.40
13KPTCHF 562.50
14Vivao SympanyCHF 564.40
15CONCORDIACHF 566.50
16ÖKKCHF 567.00
17MutuelCHF 580.50
18VisanaCHF 580.90
19AgrisanoCHF 630.10
20vita surselvaCHF 668.00
21rhenusanaCHF 720.70

Premium regions

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.

Every municipality in Vaud

300 municipalities, each with its official premiums.

The other cantons

Why the premium is what it is here

Care reimbursed by basic insurance costs CHF 5'270 per insured person per year in Vaud.

The Swiss average is CHF 4'834.

Vaud is the 7th most expensive canton for healthcare costs out of 26. The premium follows from that: no insurer can durably charge less than it reimburses.

These costs have changed by +27.0 % since 2016 in this canton, against +28.4 % for the Swiss average.

Across the 26 cantons, the cost of care explains 88.5 % of the premium gap. In other words: much of the difference with the neighbouring canton cannot be recovered by switching insurer.

Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE).

The other years

The archive goes back to 2015, year by year.

201520162017201820192020202120222023202420252026