Vivao Sympany — Region 3 of canton Zurich, 2026 premiums
Vivao Sympany covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 343.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 21 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 Vivao Sympany to Agrisano, the cheapest insurer in this region, saves CHF 832.80 a year for an adult on the same profile.
The full Vivao Sympany table
192 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 565.00 | CHF 497.20 | CHF 497.20 | CHF 497.20 |
| 500 | CHF 553.40 | CHF 485.60 | CHF 485.60 | CHF 485.60 |
| 1'000 | CHF 524.20 | CHF 456.40 | CHF 456.40 | CHF 456.40 |
| 1'500 | CHF 495.00 | CHF 427.20 | CHF 427.20 | CHF 427.20 |
| 2'000 | CHF 465.90 | CHF 398.10 | CHF 398.10 | CHF 398.10 |
| 2'500 | CHF 436.70 | CHF 368.90 | CHF 368.90 | CHF 368.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 412.50 | CHF 363.00 | CHF 363.00 | CHF 363.00 |
| 500 | CHF 400.80 | CHF 351.30 | CHF 351.30 | CHF 351.30 |
| 1'000 | CHF 371.70 | CHF 322.20 | CHF 322.20 | CHF 322.20 |
| 1'500 | CHF 342.50 | CHF 293.00 | CHF 293.00 | CHF 293.00 |
| 2'000 | CHF 313.30 | CHF 263.80 | CHF 263.80 | CHF 263.80 |
| 2'500 | CHF 284.20 | CHF 234.70 | CHF 234.70 | CHF 234.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 166.70 | CHF 146.70 | CHF 146.70 | CHF 146.70 |
| 200 | CHF 155.10 | CHF 135.10 | CHF 135.10 | CHF 135.10 |
| 400 | CHF 143.40 | CHF 123.40 | CHF 123.40 | CHF 123.40 |
| 600 | CHF 131.70 | CHF 111.70 | CHF 111.70 | CHF 111.70 |
With or without accident cover
With accident cover: CHF 565.00 a month. Without: CHF 525.50. Dropping it saves CHF 474.00 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 480.60 in 2025 to CHF 343.10 — a rise of 3.5 %.
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 |
| 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.