Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 622.10 | CHF 500.80up to CHF 556.80 | CHF 553.70 | CHF 556.80 |
| Appenzell Inner Rhodes | CHF 567.50 | CHF 496.60up to CHF 508.00 | CHF 499.40 | CHF 508.00 |
| Appenzell Outer Rhodes | CHF 625.90 | CHF 547.70up to CHF 554.00 | CHF 550.80 | CHF 560.20 |
| Basel-City | CHF 706.00 | CHF 617.80up to CHF 631.90 | CHF 621.30 | CHF 631.90 |
| Basel-Country2 premium regions | CHF 666.50up to CHF 701.50 | CHF 583.20up to CHF 620.90 | CHF 586.50up to CHF 617.40 | CHF 596.50up to CHF 627.90 |
| Bern3 premium regions | CHF 608.60up to CHF 724.50 | CHF 511.30up to CHF 648.50 | CHF 541.70up to CHF 644.90 | CHF 544.70up to CHF 648.50 |
| Fribourg2 premium regions | CHF 625.60up to CHF 672.60 | CHF 497.30up to CHF 602.00 | CHF 538.00up to CHF 578.50 | CHF 559.90up to CHF 602.00 |
| Geneva | CHF 774.30 | CHF 650.50up to CHF 677.60 | CHF 673.70 | CHF 693.00 |
| Glarus | CHF 563.10 | CHF 504.00 | CHF 495.60 | CHF 504.00 |
| Graubünden3 premium regions | CHF 596.70up to CHF 628.10 | CHF 522.20up to CHF 562.20 | CHF 531.10up to CHF 559.10 | CHF 534.10up to CHF 562.20 |
| Jura | CHF 793.90 | CHF 694.70up to CHF 702.70 | CHF 706.60 | CHF 710.60 |
| Lucerne3 premium regions | CHF 547.80up to CHF 582.70 | CHF 479.30up to CHF 521.60 | CHF 484.80up to CHF 515.70 | CHF 465.60up to CHF 495.30 |
| Neuchâtel | CHF 704.50 | CHF 616.50up to CHF 623.50 | CHF 620.00 | CHF 598.90 |
| Nidwalden | CHF 549.50 | CHF 480.90up to CHF 491.90 | CHF 483.60 | CHF 491.90 |
| Obwalden | CHF 599.80 | CHF 530.90 | CHF 527.90 | CHF 536.90 |
| Schaffhausen2 premium regions | CHF 665.00up to CHF 707.40 | CHF 581.90up to CHF 633.20 | CHF 585.20up to CHF 622.60 | CHF 595.20up to CHF 633.20 |
| Schwyz | CHF 553.40 | CHF 484.30up to CHF 489.80 | CHF 487.00 | CHF 495.30 |
| Solothurn | CHF 709.10 | CHF 620.50up to CHF 627.60 | CHF 624.10 | CHF 634.70 |
| St. Gallen3 premium regions | CHF 574.10up to CHF 610.70 | CHF 502.40up to CHF 546.60 | CHF 505.20up to CHF 537.50 | CHF 513.80up to CHF 546.60 |
| Thurgau | CHF 570.20 | CHF 499.00up to CHF 510.40 | CHF 501.80 | CHF 479.00 |
| Ticino2 premium regions | CHF 760.00up to CHF 826.00 | CHF 672.60up to CHF 731.10 | CHF 668.80up to CHF 726.90 | CHF 680.20up to CHF 739.30 |
| Uri | CHF 543.30 | CHF 475.40up to CHF 486.30 | CHF 478.20 | CHF 486.30 |
| Valais2 premium regions | CHF 616.60up to CHF 642.20 | CHF 539.50up to CHF 568.40 | CHF 542.60up to CHF 565.20 | CHF 551.80up to CHF 574.80 |
| Vaud2 premium regions | CHF 677.60up to CHF 728.60 | CHF 592.90up to CHF 644.90 | CHF 565.80up to CHF 608.40 | CHF 603.10up to CHF 648.50 |
| Zug | CHF 437.80 | CHF 383.10up to CHF 391.90 | CHF 385.30 | CHF 391.90 |
| Zurich3 premium regions | CHF 634.20up to CHF 681.90 | CHF 554.90up to CHF 610.40 | CHF 558.10up to CHF 600.10 | CHF 513.70up to CHF 552.40 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2027, opendata.swiss; localities © swisstopo; as of 15.10.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the Avenir tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the Avenir standard model in the same region.
Aargau
OptiMed (Ärztenetz)
Premium / month
500.80
CHF
Total / year
CHF 6,330
Saving
−1,456
CHF / year
Appenzell Inner Rhodes
OptiMed (Ärztenetz)
Premium / month
496.60
CHF
Total / year
CHF 6,279
Saving
−851
CHF / year
Appenzell Outer Rhodes
OptiMed (Ärztenetz)
Premium / month
547.70
CHF
Total / year
CHF 6,892
Saving
−938
CHF / year
Basel-City
OptiMed (Ärztenetz)
Premium / month
617.80
CHF
Total / year
CHF 7,734
Saving
−1,058
CHF / year
Basel-Country
OptiMed (Ärztenetz) · region 2
Premium / month
583.20
CHF
Total / year
CHF 7,318
Saving
−1,000
CHF / year
Bern
OptiMed (Ärztenetz) · region 3
Premium / month
511.30
CHF
Total / year
CHF 6,456
Saving
−1,168
CHF / year
Fribourg
OptiMed (Ärztenetz) · region 2
Premium / month
497.30
CHF
Total / year
CHF 6,288
Saving
−1,540
CHF / year
Geneva
OptiMed (Ärztenetz)
Premium / month
650.50
CHF
Total / year
CHF 8,126
Saving
−1,486
CHF / year
Glarus
PrimaFlex (flexibles Modell)
Premium / month
495.60
CHF
Total / year
CHF 6,267
Saving
−810
CHF / year
Graubünden
OptiMed (Ärztenetz) · region 3
Premium / month
522.20
CHF
Total / year
CHF 6,586
Saving
−894
CHF / year
Jura
OptiMed (Ärztenetz)
Premium / month
694.70
CHF
Total / year
CHF 8,656
Saving
−1,190
CHF / year
Lucerne
SanaTel (Telemedizin) · region 3
Premium / month
465.60
CHF
Total / year
CHF 5,907
Saving
−986
CHF / year
Neuchâtel
SanaTel (Telemedizin)
Premium / month
598.90
CHF
Total / year
CHF 7,507
Saving
−1,267
CHF / year
Nidwalden
OptiMed (Ärztenetz)
Premium / month
480.90
CHF
Total / year
CHF 6,091
Saving
−823
CHF / year
Obwalden
PrimaFlex (flexibles Modell)
Premium / month
527.90
CHF
Total / year
CHF 6,655
Saving
−863
CHF / year
Schaffhausen
OptiMed (Ärztenetz) · region 2
Premium / month
581.90
CHF
Total / year
CHF 7,303
Saving
−997
CHF / year
Schwyz
OptiMed (Ärztenetz)
Premium / month
484.30
CHF
Total / year
CHF 6,132
Saving
−829
CHF / year
Solothurn
OptiMed (Ärztenetz)
Premium / month
620.50
CHF
Total / year
CHF 7,766
Saving
−1,063
CHF / year
St. Gallen
OptiMed (Ärztenetz) · region 3
Premium / month
502.40
CHF
Total / year
CHF 6,349
Saving
−860
CHF / year
Thurgau
SanaTel (Telemedizin)
Premium / month
479.00
CHF
Total / year
CHF 6,068
Saving
−1,094
CHF / year
Ticino
PrimaFlex (flexibles Modell) · region 2
Premium / month
668.80
CHF
Total / year
CHF 8,346
Saving
−1,094
CHF / year
Uri
OptiMed (Ärztenetz)
Premium / month
475.40
CHF
Total / year
CHF 6,025
Saving
−815
CHF / year
Valais
OptiMed (Ärztenetz) · region 2
Premium / month
539.50
CHF
Total / year
CHF 6,794
Saving
−925
CHF / year
Vaud
PrimaFlex (flexibles Modell) · region 2
Premium / month
565.80
CHF
Total / year
CHF 7,110
Saving
−1,342
CHF / year
Zug
OptiMed (Ärztenetz)
Premium / month
383.10
CHF
Total / year
CHF 4,917
Saving
−656
CHF / year
Zurich
SanaTel (Telemedizin) · region 3
Premium / month
513.70
CHF
Total / year
CHF 6,484
Saving
−1,446
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 579.50 | CHF 622.10 | +7.4% | +4.8% |
| Appenzell Inner Rhodes | CHF 543.00 | CHF 567.50 | +4.5% | +4.4% |
| Appenzell Outer Rhodes | CHF 569.50 | CHF 625.90 | +9.9% | +4.7% |
| Basel-City | CHF 688.10 | CHF 706.00 | +2.6% | +3.7% |
| Basel-Country | CHF 677.15 | CHF 684.00 | +1.0% | +4.0% |
| Bern | CHF 633.23 | CHF 661.73 | +4.5% | +3.9% |
| Fribourg | CHF 614.65 | CHF 649.10 | +5.6% | +3.9% |
| Geneva | CHF 777.40 | CHF 774.30 | −0.4% | +1.9% |
| Glarus | CHF 542.40 | CHF 563.10 | +3.8% | +3.9% |
| Graubünden | CHF 568.43 | CHF 614.50 | +8.1% | +3.7% |
| Jura | CHF 726.30 | CHF 793.90 | +9.3% | +4.8% |
| Lucerne | CHF 540.60 | CHF 563.30 | +4.2% | +4.5% |
| Neuchâtel | CHF 697.50 | CHF 704.50 | +1.0% | +3.3% |
| Nidwalden | CHF 522.80 | CHF 549.50 | +5.1% | +4.2% |
| Obwalden | CHF 573.90 | CHF 599.80 | +4.5% | +3.8% |
| Schaffhausen | CHF 630.60 | CHF 686.20 | +8.8% | +4.5% |
| Schwyz | CHF 532.10 | CHF 553.40 | +4.0% | +3.9% |
| Solothurn | CHF 642.80 | CHF 709.10 | +10.3% | +4.8% |
| St. Gallen | CHF 555.97 | CHF 592.40 | +6.6% | +3.9% |
| Thurgau | CHF 557.60 | CHF 570.20 | +2.3% | +4.6% |
| Ticino | CHF 746.60 | CHF 793.00 | +6.2% | +4.0% |
| Uri | CHF 537.60 | CHF 543.30 | +1.1% | +4.1% |
| Valais | CHF 610.35 | CHF 629.40 | +3.1% | +3.6% |
| Vaud | CHF 692.05 | CHF 703.10 | +1.6% | +2.6% |
| Zug | CHF 411.80 | CHF 437.80 | +6.3% | +2.8% |
| Zurich | CHF 613.30 | CHF 658.07 | +7.3% | +4.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are Avenir premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Avenir in 2027 ranges from CHF 437.80 (canton of Zug) to CHF 826.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Avenir offer?
In 2027, Avenir has premiums for 4 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type, 1 tariff of the Flex type and 1 tariff of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is Avenir more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 105.1 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2027 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- Avenir: website (address), retrieved on 25.09.2026groupemutuel.ch
- Avenir: website (physician search), retrieved on 25.09.2026groupemutuel.ch