El seguro de enfermedad más barato
Hay una respuesta, pero solo vale en 26 de 42 casos. Aquí está quién es el más barato, dónde, y lo que la ley le garantiza antes incluso de preguntar.
La respuesta corta, y por qué no basta
Agrisano has the lowest premium in 26 of Switzerland's 42 tariff zones — 61,9 % of the country.
But 9 different insurers are cheapest in at least one zone. Put another way: for one person in three the answer above is wrong — their commune decides, not the Swiss average.
Ninguna aseguradora puede rechazarle
« Within the limits of their operating area, insurers must accept any person required to take out compulsory health insurance (basic insurance). »
« They may not impose any reservation or waiting period, regardless of the age and state of health of the person to be insured. »
« Insured persons may choose freely among the insurers active in their place of residence. »
Those are the FOPH's words. The only limit is the operating area: an insurer need not operate everywhere, but where it does, it accepts you — whatever your age or state of health. Which ones operate in YOUR commune is exactly what the comparator at the foot of this page answers. One caveat: this guarantee covers basic insurance only. Supplementary policies may refuse, and some insurers reserve theirs for a particular public.
La más barata de cada cantón
| Cantón | La más barata | Prima | Zonas | Different answers |
|---|---|---|---|---|
| Zug | Agrisano | CHF 335,10 | 1 | 1 |
| Appenzell Innerrhoden | Agrisano | CHF 353,50 | 1 | 1 |
| Uri | Agrisano | CHF 376,60 | 1 | 1 |
| Obwalden | Agrisano | CHF 382,80 | 1 | 1 |
| Nidwalden | Agrisano | CHF 385,40 | 1 | 1 |
| Schwyz | Agrisano | CHF 400,20 | 1 | 1 |
| St. Gallen | Agrisano | CHF 401,60 | 3 | 2 |
| Graubünden | vita surselva | CHF 404,70 | 3 | 3 |
| Valais | Agrisano | CHF 406,30 | 2 | 2 |
| Appenzell Ausserrhoden | Agrisano | CHF 412,30 | 1 | 1 |
| Luzern | Agrisano | CHF 414,30 | 3 | 2 |
| Zürich | Agrisano | CHF 427,80 | 3 | 2 |
| Thurgau | Agrisano | CHF 429,70 | 1 | 1 |
| Glarus | Agrisano | CHF 433,20 | 1 | 1 |
| Schaffhausen | Agrisano | CHF 433,80 | 2 | 2 |
| Bern | Agrisano | CHF 447,50 | 3 | 2 |
| Fribourg | Agrisano | CHF 450,00 | 2 | 2 |
| Aargau | Agrisano | CHF 453,80 | 1 | 1 |
| Solothurn | Agrisano | CHF 486,20 | 1 | 1 |
| Basel-Landschaft | Agrisano | CHF 494,80 | 2 | 2 |
| Vaud | Assura-Basis | CHF 537,30 | 2 | 2 |
| Ticino | Agrisano | CHF 539,00 | 2 | 1 |
| Jura | Agrisano | CHF 543,10 | 1 | 1 |
| Neuchâtel | Visana | CHF 554,20 | 1 | 1 |
| Basel-Stadt | CSS | CHF 575,90 | 1 | 1 |
| Genève | Assura-Basis | CHF 604,30 | 1 | 1 |
Las aseguradoras que ganan al menos una zona
A tariff zone is a canton + premium region pair: the unit at which a premium actually exists. The number of communes shows the real weight of each win.
| La más barata | Zones won | Communes covered | Its lowest premium |
|---|---|---|---|
| Agrisano | 26 | 1345 | CHF 335,10 |
| Atupri | 4 | 176 | CHF 451,60 |
| Sanitas | 3 | 44 | CHF 453,60 |
| Visana | 3 | 251 | CHF 493,60 |
| Assura-Basis | 2 | 228 | CHF 537,30 |
| vita surselva | 1 | 40 | CHF 404,70 |
| ÖKK | 1 | 2 | CHF 480,30 |
| Vivao Sympany | 1 | 25 | CHF 501,10 |
| CSS | 1 | 3 | CHF 575,90 |
The insurers present across most of the country
Ranking every insurer by average premium would push up regional funds present in a single canton — their average is not about the same Switzerland. This table keeps only those present in 20 cantons or more.
| La más barata | Cantons | Average premium | Its lowest premium |
|---|---|---|---|
| Agrisano | 26 | CHF 498,71 | CHF 335,10 |
| Sumiswalder | 21 | CHF 507,77 | CHF 408,10 |
| ÖKK | 26 | CHF 517,46 | CHF 367,20 |
| Helsana | 26 | CHF 519,28 | CHF 365,50 |
| Atupri | 26 | CHF 521,02 | CHF 367,40 |
| CONCORDIA | 26 | CHF 521,24 | CHF 335,70 |
| Vivao Sympany | 26 | CHF 521,81 | CHF 345,00 |
| CSS | 26 | CHF 525,42 | CHF 361,70 |
| Sanitas | 26 | CHF 526,54 | CHF 354,20 |
| SLKK | 21 | CHF 527,23 | CHF 343,20 |
| Assura-Basis | 26 | CHF 532,26 | CHF 371,70 |
| KPT | 26 | CHF 532,49 | CHF 346,50 |
| SWICA | 26 | CHF 535,70 | CHF 361,60 |
| Aquilana | 26 | CHF 540,41 | CHF 378,00 |
| EGK | 26 | CHF 546,44 | CHF 395,80 |
| Galenos | 26 | CHF 548,26 | CHF 360,70 |
| Visana | 26 | CHF 549,20 | CHF 340,70 |
| Avenir | 26 | CHF 549,92 | CHF 360,40 |
| Mutuel | 26 | CHF 552,61 | CHF 364,00 |
| Philos | 26 | CHF 559,12 | CHF 385,70 |
| sana24 | 26 | CHF 563,42 | CHF 370,30 |
| vita surselva | 26 | CHF 564,41 | CHF 404,70 |
| rhenusana | 26 | CHF 564,60 | CHF 429,30 |
Lo que esta clasificación no dice
Every figure on this page covers one profile: adult, CHF 300 deductible, accident included, cheapest model available. Change the deductible or the age and the order changes. That is why the page ends with a comparator rather than a final ranking.
Fuentes
- OFSP — Primes et coûts : réponses aux questions fréquentes
- Priminfo — primes officielles de l’assurance obligatoire des soins
Official FOPH premiums, reproduced unchanged. Quotations: FOPH, "Premiums and costs: answers to frequently asked questions", accessed 25 August 2026. 2026