Avenir — Region 3 of canton Zurich, 2026 premiums
Avenir covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 348.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 23 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from Avenir to Agrisano, the cheapest insurer in this region, saves CHF 895.20 a year for an adult on the same profile.
The full Avenir table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 591.10 | CHF 517.20 | CHF 517.20 | CHF 502.40 |
| 500 | CHF 579.60 | CHF 505.70 | CHF 505.70 | CHF 490.90 |
| 1'000 | CHF 550.60 | CHF 476.70 | CHF 476.70 | CHF 461.90 |
| 1'500 | CHF 521.10 | CHF 447.20 | CHF 447.20 | CHF 432.40 |
| 2'000 | CHF 492.10 | CHF 418.20 | CHF 418.20 | CHF 403.40 |
| 2'500 | CHF 463.10 | CHF 389.20 | CHF 389.20 | CHF 374.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 414.90 | CHF 371.40 | CHF 363.10 | CHF 361.00 |
| 500 | CHF 403.40 | CHF 359.90 | CHF 351.60 | CHF 349.50 |
| 1'000 | CHF 374.40 | CHF 330.90 | CHF 322.60 | CHF 320.50 |
| 1'500 | CHF 344.90 | CHF 301.40 | CHF 293.10 | CHF 291.00 |
| 2'000 | CHF 315.90 | CHF 272.40 | CHF 264.10 | CHF 262.00 |
| 2'500 | CHF 286.90 | CHF 243.40 | CHF 235.10 | CHF 233.00 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 108.00 | CHF 99.90 | CHF 96.70 | CHF 96.70 |
| 100 | CHF 103.70 | CHF 95.60 | CHF 92.30 | CHF 92.30 |
| 200 | CHF 99.30 | CHF 91.20 | CHF 88.00 | CHF 88.00 |
| 300 | CHF 94.90 | CHF 86.80 | CHF 83.60 | CHF 83.60 |
| 400 | CHF 90.50 | CHF 82.50 | CHF 79.20 | CHF 79.20 |
| 500 | CHF 86.20 | CHF 78.10 | CHF 74.90 | CHF 74.90 |
| 600 | CHF 81.80 | CHF 73.70 | CHF 70.40 | CHF 70.40 |
With or without accident cover
With accident cover: CHF 591.10 a month. Without: CHF 549.70. Dropping it saves CHF 496.80 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 488.70 in 2025 to CHF 348.20 — a rise of 2.8 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
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 · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| ÖKK | CHF 453.10 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| SWICA | CHF 463.40 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Luzerner Hinterland | CHF 469.25 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Mutuel | CHF 492.60 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| vita surselva | CHF 525.35 | View |
| Philos | CHF 528.20 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.