Health insurance Zurich 2026
The official premiums for canton Zurich: 27 active insurers, 160 municipalities. Pick your municipality to see your exact prices.
The lowest premium
CHF 427.80 per month
Agrisano — AGRIsmart
Adult, CHF 300 deductible, accident cover included.
Gap to the most expensive insurer: CHF 3'554 per year.
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 +78.3 % over 11 years, or CHF 2'254 more per year.
| Year | Lowest premium | Change |
|---|---|---|
| 2015 | CHF 240.00 | — |
| 2016 | CHF 250.00 | +4.2 % |
| 2017 | CHF 255.00 | +2.0 % |
| 2018 | CHF 260.00 | +2.0 % |
| 2019 | CHF 346.00 | +33.1 % |
| 2020 | CHF 343.30 | −0.8 % |
| 2021 | CHF 347.20 | +1.1 % |
| 2022 | CHF 343.90 | −1.0 % |
| 2023 | CHF 358.60 | +4.3 % |
| 2024 | CHF 379.90 | +5.9 % |
| 2025 | CHF 398.80 | +5.0 % |
| 2026 | CHF 427.80 | +7.3 % |
Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.
Insurers available in ZurichRegion 1
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AtupriCheapest | CHF 517.70 |
| 2 | Assura-Basis | CHF 522.80 |
| 3 | Vivao Sympany | CHF 527.90 |
| 4 | CSS | CHF 530.60 |
| 5 | SLKK | CHF 532.60 |
| 6 | Sanitas | CHF 532.70 |
| 7 | Helsana | CHF 533.60 |
| 8 | Avenir | CHF 540.20 |
| 9 | KPT | CHF 543.80 |
| 10 | CONCORDIA | CHF 544.00 |
| 11 | Mutuel | CHF 553.50 |
| 12 | SWICA | CHF 553.70 |
| 13 | ÖKK | CHF 556.30 |
| 14 | sana24 | CHF 561.10 |
| 15 | Sumiswalder | CHF 561.50 |
| 16 | EGK | CHF 571.30 |
| 17 | Aquilana | CHF 572.00 |
| 18 | Luzerner Hinterland | CHF 573.95 |
| 19 | Wädenswil | CHF 578.50 |
| 20 | Agrisano | CHF 579.00 |
| 21 | Visana | CHF 580.90 |
| 22 | Steffisburg | CHF 582.20 |
| 23 | Philos | CHF 593.50 |
| 24 | rhenusana | CHF 600.00 |
| 25 | Galenos | CHF 628.50 |
| 26 | vita surselva | CHF 633.65 |
| 27 | Einsiedler | CHF 682.75 |
Insurers available in ZurichRegion 2
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AgrisanoCheapest | CHF 467.90 |
| 2 | Atupri | CHF 475.60 |
| 3 | SLKK | CHF 479.30 |
| 4 | KPT | CHF 483.30 |
| 5 | CSS | CHF 484.60 |
| 6 | Sanitas | CHF 488.40 |
| 7 | CONCORDIA | CHF 492.30 |
| 8 | Helsana | CHF 493.80 |
| 9 | Visana | CHF 495.50 |
| 10 | Wädenswil | CHF 496.40 |
| 11 | ÖKK | CHF 496.70 |
| 12 | SWICA | CHF 497.10 |
| 13 | Assura-Basis | CHF 498.90 |
| 14 | rhenusana | CHF 499.80 |
| 15 | sana24 | CHF 501.30 |
| 16 | Aquilana | CHF 502.20 |
| 17 | Vivao Sympany | CHF 506.90 |
| 18 | Luzerner Hinterland | CHF 509.80 |
| 19 | Sumiswalder | CHF 511.60 |
| 20 | EGK | CHF 517.10 |
| 21 | Avenir | CHF 521.30 |
| 22 | Philos | CHF 528.20 |
| 23 | Mutuel | CHF 531.30 |
| 24 | Galenos | CHF 539.60 |
| 25 | Steffisburg | CHF 548.00 |
| 26 | vita surselva | CHF 572.85 |
| 27 | Einsiedler | CHF 599.60 |
Insurers available in ZurichRegion 3
Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.
| # | Insurer | From |
|---|---|---|
| 1 | AgrisanoCheapest | CHF 427.80 |
| 2 | SLKK | CHF 439.40 |
| 3 | rhenusana | CHF 447.90 |
| 4 | Sanitas | CHF 451.40 |
| 5 | Wädenswil | CHF 452.80 |
| 6 | ÖKK | CHF 453.10 |
| 7 | Assura-Basis | CHF 454.00 |
| 8 | CONCORDIA | CHF 461.20 |
| 9 | Visana | CHF 462.70 |
| 10 | Aquilana | CHF 463.20 |
| 11 | SWICA | CHF 463.40 |
| 12 | Helsana | CHF 464.80 |
| 13 | Sumiswalder | CHF 465.60 |
| 14 | EGK | CHF 466.50 |
| 15 | Atupri | CHF 469.00 |
| 16 | Luzerner Hinterland | CHF 469.25 |
| 17 | Galenos | CHF 471.70 |
| 18 | CSS | CHF 472.40 |
| 19 | KPT | CHF 476.80 |
| 20 | Mutuel | CHF 492.60 |
| 21 | Vivao Sympany | CHF 497.20 |
| 22 | sana24 | CHF 497.70 |
| 23 | Avenir | CHF 502.40 |
| 24 | vita surselva | CHF 525.35 |
| 25 | Philos | CHF 528.20 |
| 26 | Steffisburg | CHF 528.80 |
| 27 | Einsiedler | CHF 558.00 |
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 Zurich
160 municipalities, each with its official premiums.
- Adliswil
- Aesch (ZH)
- Aeugst am Albis
- Affoltern am Albis
- Altikon
- Andelfingen
- Bachenbülach
- Bachs
- Bassersdorf
- Bauma
- Benken (ZH)
- Berg am Irchel
- Birmensdorf (ZH)
- Bonstetten
- Boppelsen
- Brütten
- Bubikon
- Buch am Irchel
- Buchs (ZH)
- Bäretswil
- Bülach
- Dachsen
- Dielsdorf
- Dietikon
- Dietlikon
- Dinhard
- Dorf
- Dägerlen
- Dällikon
- Dänikon
- Dättlikon
- Dübendorf
- Dürnten
- Egg
- Eglisau
- Elgg
- Ellikon an der Thur
- Elsau
- Embrach
- Erlenbach (ZH)
- Fehraltorf
- Feuerthalen
- Fischenthal
- Flaach
- Flurlingen
- Freienstein-Teufen
- Fällanden
- Geroldswil
- Glattfelden
- Gossau (ZH)
- Greifensee
- Grüningen
- Hagenbuch
- Hausen am Albis
- Hedingen
- Henggart
- Herrliberg
- Hettlingen
- Hinwil
- Hittnau
- Hochfelden
- Hombrechtikon
- Horgen
- Höri
- Hüntwangen
- Hüttikon
- Illnau-Effretikon
- Kappel am Albis
- Kilchberg (ZH)
- Kleinandelfingen
- Kloten
- Knonau
- Küsnacht (ZH)
- Langnau am Albis
- Laufen-Uhwiesen
- Lindau
- Lufingen
- Marthalen
- Maschwanden
- Maur
- Meilen
- Mettmenstetten
- Männedorf
- Mönchaltorf
- Neerach
- Neftenbach
- Niederglatt
- Niederhasli
- Niederweningen
- Nürensdorf
- Oberembrach
- Oberengstringen
- Oberglatt
- Oberrieden
- Oberweningen
- Obfelden
- Oetwil am See
- Oetwil an der Limmat
- Opfikon
- Ossingen
- Otelfingen
- Ottenbach
- Pfungen
- Pfäffikon
- Rafz
- Regensberg
- Regensdorf
- Rheinau
- Richterswil
- Rickenbach (ZH)
- Rifferswil
- Rorbas
- Russikon
- Rümlang
- Rüschlikon
- Rüti (ZH)
- Schlatt (ZH)
- Schleinikon
- Schlieren
- Schwerzenbach
- Schöfflisdorf
- Seegräben
- Seuzach
- Stadel
- Stallikon
- Stammheim
- Steinmaur
- Stäfa
- Thalheim an der Thur
- Thalwil
- Truttikon
- Trüllikon
- Turbenthal
- Uetikon am See
- Uitikon
- Unterengstringen
- Urdorf
- Uster
- Volken
- Volketswil
- Wald (ZH)
- Wallisellen
- Wangen-Brüttisellen
- Wasterkingen
- Weiach
- Weiningen (ZH)
- Weisslingen
- Wettswil am Albis
- Wetzikon (ZH)
- Wiesendangen
- Wil (ZH)
- Wila
- Wildberg
- Winkel
- Winterthur
- Wädenswil
- Zell (ZH)
- Zollikon
- Zumikon
- Zürich
The other cantons
Why the premium is what it is here
Care reimbursed by basic insurance costs CHF 4'842 per insured person per year in Zurich.
The Swiss average is CHF 4'834.
Zurich is the 10th 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 +29.2 % 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.