Sanitas — Region 3 of canton Zurich, 2026 premiums
Sanitas covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 300.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 4 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 Sanitas to Agrisano, the cheapest insurer in this region, saves CHF 283.20 a year for an adult on the same profile.
The full Sanitas table
304 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 524.80 | CHF 456.60 | CHF 477.60 | CHF 451.40 |
| 500 | CHF 513.20 | CHF 445.00 | CHF 466.00 | CHF 439.80 |
| 1'000 | CHF 484.00 | CHF 415.80 | CHF 436.80 | CHF 410.60 |
| 1'500 | CHF 454.80 | CHF 386.60 | CHF 407.60 | CHF 381.40 |
| 2'000 | CHF 425.70 | CHF 357.50 | CHF 378.50 | CHF 352.30 |
| 2'500 | CHF 396.50 | CHF 328.30 | CHF 349.30 | CHF 323.10 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 341.20 | CHF 327.45 | CHF 331.00 | CHF 327.60 |
| 500 | CHF 329.60 | CHF 315.85 | CHF 319.40 | CHF 316.00 |
| 1'000 | CHF 300.40 | CHF 286.65 | CHF 290.20 | CHF 286.80 |
| 1'500 | CHF 271.20 | CHF 257.45 | CHF 261.00 | CHF 257.60 |
| 2'000 | CHF 242.10 | CHF 228.35 | CHF 231.90 | CHF 228.50 |
| 2'500 | CHF 212.90 | CHF 199.15 | CHF 202.70 | CHF 199.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 133.30 | CHF 129.30 | CHF 130.70 | CHF 128.00 |
| 100 | CHF 127.50 | CHF 123.50 | CHF 124.90 | CHF 122.20 |
| 200 | CHF 121.70 | CHF 117.70 | CHF 119.10 | CHF 116.40 |
| 300 | CHF 115.80 | CHF 111.80 | CHF 113.20 | CHF 110.50 |
| 400 | CHF 110.00 | CHF 106.00 | CHF 107.40 | CHF 104.70 |
| 500 | CHF 104.20 | CHF 100.20 | CHF 101.60 | CHF 98.90 |
| 600 | CHF 98.30 | CHF 94.30 | CHF 95.70 | CHF 93.00 |
With or without accident cover
With accident cover: CHF 524.80 a month. Without: CHF 488.60. Dropping it saves CHF 434.40 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 432.70 in 2025 to CHF 300.90 — a rise of 4.3 %.
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 |
| 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 |
| Avenir | CHF 502.40 | 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.