Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 626.80 | CHF 551.60up to CHF 570.40 | CHF 539.10 | CHF 532.80 |
| Appenzell Inner Rhodes | CHF 482.50 | CHF 424.60up to CHF 439.10 | CHF 425.90 | CHF 422.20 |
| Appenzell Outer Rhodes | CHF 663.20 | CHF 583.70up to CHF 603.60 | CHF 585.30 | CHF 593.60 |
| Basel-City | CHF 715.10 | CHF 629.30up to CHF 650.80 | CHF 622.20 | CHF 600.70 |
| Basel-Country2 premium regions | CHF 677.50up to CHF 720.70 | CHF 603.00up to CHF 655.90 | CHF 610.10up to CHF 649.00 | CHF 555.60up to CHF 591.00 |
| Bern3 premium regions | CHF 609.80up to CHF 692.90 | CHF 542.70up to CHF 630.60 | CHF 549.10up to CHF 624.00 | CHF 545.80up to CHF 620.20 |
| Fribourg2 premium regions | CHF 609.90up to CHF 645.30 | CHF 533.60up to CHF 587.30 | CHF 527.50up to CHF 558.20 | CHF 545.80up to CHF 577.60 |
| Geneva | CHF 779.30 | CHF 643.00up to CHF 709.20 | CHF 686.20 | CHF 678.00 |
| Glarus | CHF 564.20 | CHF 513.50 | CHF 498.00 | CHF 505.00 |
| Graubünden3 premium regions | CHF 539.30up to CHF 579.80 | CHF 474.60up to CHF 527.70 | CHF 475.90up to CHF 511.70 | CHF 471.90up to CHF 507.40 |
| Jura | CHF 698.10 | CHF 614.40up to CHF 642.30 | CHF 628.70 | CHF 614.40 |
| Lucerne3 premium regions | CHF 636.60up to CHF 677.20 | CHF 560.20up to CHF 616.30 | CHF 561.80up to CHF 597.70 | CHF 557.00up to CHF 592.60 |
| Neuchâtel | CHF 730.20 | CHF 642.60up to CHF 664.50 | CHF 644.50 | CHF 624.40 |
| Nidwalden | CHF 607.30 | CHF 534.50up to CHF 552.70 | CHF 536.00 | CHF 543.60 |
| Obwalden | CHF 511.50 | CHF 465.50 | CHF 460.70 | CHF 457.80 |
| Schaffhausen2 premium regions | CHF 650.40up to CHF 684.60 | CHF 572.40up to CHF 623.00 | CHF 574.00up to CHF 604.20 | CHF 582.10up to CHF 612.80 |
| Schwyz | CHF 578.10 | CHF 508.80up to CHF 526.10 | CHF 510.20 | CHF 517.40 |
| Solothurn | CHF 656.10 | CHF 584.00up to CHF 603.70 | CHF 584.00 | CHF 531.50 |
| St. Gallen3 premium regions | CHF 533.60up to CHF 606.30 | CHF 469.60up to CHF 551.80 | CHF 470.90up to CHF 535.10 | CHF 466.90up to CHF 530.60 |
| Thurgau | CHF 600.10 | CHF 534.10up to CHF 546.10 | CHF 540.40 | CHF 537.10 |
| Ticino2 premium regions | CHF 763.20up to CHF 803.30 | CHF 694.50up to CHF 731.10 | CHF 681.10up to CHF 717.00 | CHF 675.40up to CHF 711.00 |
| Uri | CHF 576.10 | CHF 507.00up to CHF 524.30 | CHF 508.50 | CHF 504.10 |
| Valais2 premium regions | CHF 585.60up to CHF 616.40 | CHF 521.20up to CHF 548.60 | CHF 527.40up to CHF 555.10 | CHF 491.90up to CHF 517.80 |
| Vaud2 premium regions | CHF 678.40up to CHF 721.60 | CHF 597.00up to CHF 656.70 | CHF 610.90up to CHF 649.90 | CHF 590.20up to CHF 627.80 |
| Zug | CHF 431.40 | CHF 379.70up to CHF 392.60 | CHF 380.80 | CHF 377.50 |
| Zurich3 premium regions | CHF 615.30up to CHF 661.60 | CHF 547.70up to CHF 608.70 | CHF 554.10up to CHF 595.80 | CHF 544.60up to CHF 585.60 |
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 Mutuel 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 Mutuel standard model in the same region.
Aargau
SanaTel (Telemedizin)
Premium / month
532.80
CHF
Total / year
CHF 6,714
Saving
−1,128
CHF / year
Appenzell Inner Rhodes
SanaTel (Telemedizin)
Premium / month
422.20
CHF
Total / year
CHF 5,386
Saving
−724
CHF / year
Appenzell Outer Rhodes
OptiMed (Ärztenetz)
Premium / month
583.70
CHF
Total / year
CHF 7,324
Saving
−954
CHF / year
Basel-City
SanaTel (Telemedizin)
Premium / month
600.70
CHF
Total / year
CHF 7,528
Saving
−1,373
CHF / year
Basel-Country
SanaTel (Telemedizin) · region 2
Premium / month
555.60
CHF
Total / year
CHF 6,987
Saving
−1,463
CHF / year
Bern
OptiMed (Ärztenetz) · region 3
Premium / month
542.70
CHF
Total / year
CHF 6,832
Saving
−805
CHF / year
Fribourg
PrimaFlex (flexibles Modell) · region 2
Premium / month
527.50
CHF
Total / year
CHF 6,650
Saving
−989
CHF / year
Geneva
OptiMed (Ärztenetz)
Premium / month
643.00
CHF
Total / year
CHF 8,036
Saving
−1,636
CHF / year
Glarus
PrimaFlex (flexibles Modell)
Premium / month
498.00
CHF
Total / year
CHF 6,296
Saving
−794
CHF / year
Graubünden
SanaTel (Telemedizin) · region 3
Premium / month
471.90
CHF
Total / year
CHF 5,983
Saving
−809
CHF / year
Jura
OptiMed (Ärztenetz)
Premium / month
614.40
CHF
Total / year
CHF 7,693
Saving
−1,004
CHF / year
Lucerne
SanaTel (Telemedizin) · region 3
Premium / month
557.00
CHF
Total / year
CHF 7,004
Saving
−955
CHF / year
Neuchâtel
SanaTel (Telemedizin)
Premium / month
624.40
CHF
Total / year
CHF 7,813
Saving
−1,270
CHF / year
Nidwalden
OptiMed (Ärztenetz)
Premium / month
534.50
CHF
Total / year
CHF 6,734
Saving
−874
CHF / year
Obwalden
SanaTel (Telemedizin)
Premium / month
457.80
CHF
Total / year
CHF 5,814
Saving
−644
CHF / year
Schaffhausen
OptiMed (Ärztenetz) · region 2
Premium / month
572.40
CHF
Total / year
CHF 7,189
Saving
−936
CHF / year
Schwyz
OptiMed (Ärztenetz)
Premium / month
508.80
CHF
Total / year
CHF 6,426
Saving
−832
CHF / year
Solothurn
SanaTel (Telemedizin)
Premium / month
531.50
CHF
Total / year
CHF 6,698
Saving
−1,495
CHF / year
St. Gallen
SanaTel (Telemedizin) · region 3
Premium / month
466.90
CHF
Total / year
CHF 5,923
Saving
−800
CHF / year
Thurgau
OptiMed (Ärztenetz)
Premium / month
534.10
CHF
Total / year
CHF 6,729
Saving
−792
CHF / year
Ticino
SanaTel (Telemedizin) · region 2
Premium / month
675.40
CHF
Total / year
CHF 8,425
Saving
−1,054
CHF / year
Uri
SanaTel (Telemedizin)
Premium / month
504.10
CHF
Total / year
CHF 6,369
Saving
−864
CHF / year
Valais
SanaTel (Telemedizin) · region 2
Premium / month
491.90
CHF
Total / year
CHF 6,223
Saving
−1,124
CHF / year
Vaud
SanaTel (Telemedizin) · region 2
Premium / month
590.20
CHF
Total / year
CHF 7,402
Saving
−1,058
CHF / year
Zug
SanaTel (Telemedizin)
Premium / month
377.50
CHF
Total / year
CHF 4,850
Saving
−647
CHF / year
Zurich
SanaTel (Telemedizin) · region 3
Premium / month
544.60
CHF
Total / year
CHF 6,855
Saving
−848
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 602.60 | CHF 626.80 | +4.0% | +4.8% |
| Appenzell Inner Rhodes | CHF 482.50 | CHF 482.50 | +0.0% | +4.4% |
| Appenzell Outer Rhodes | CHF 634.60 | CHF 663.20 | +4.5% | +4.7% |
| Basel-City | CHF 694.20 | CHF 715.10 | +3.0% | +3.7% |
| Basel-Country | CHF 649.35 | CHF 699.10 | +7.7% | +4.0% |
| Bern | CHF 641.23 | CHF 646.73 | +0.9% | +3.9% |
| Fribourg | CHF 627.60 | CHF 627.60 | +0.0% | +3.9% |
| Geneva | CHF 752.20 | CHF 779.30 | +3.6% | +1.9% |
| Glarus | CHF 539.90 | CHF 564.20 | +4.5% | +3.9% |
| Graubünden | CHF 534.30 | CHF 556.67 | +4.2% | +3.7% |
| Jura | CHF 672.50 | CHF 698.10 | +3.8% | +4.8% |
| Lucerne | CHF 612.87 | CHF 654.67 | +6.8% | +4.5% |
| Neuchâtel | CHF 729.80 | CHF 730.20 | +0.1% | +3.3% |
| Nidwalden | CHF 581.10 | CHF 607.30 | +4.5% | +4.2% |
| Obwalden | CHF 500.90 | CHF 511.50 | +2.1% | +3.8% |
| Schaffhausen | CHF 615.15 | CHF 667.50 | +8.5% | +4.5% |
| Schwyz | CHF 514.70 | CHF 578.10 | +12.3% | +3.9% |
| Solothurn | CHF 610.00 | CHF 656.10 | +7.6% | +4.8% |
| St. Gallen | CHF 564.73 | CHF 567.93 | +0.6% | +3.9% |
| Thurgau | CHF 555.10 | CHF 600.10 | +8.1% | +4.6% |
| Ticino | CHF 753.10 | CHF 783.25 | +4.0% | +4.0% |
| Uri | CHF 551.20 | CHF 576.10 | +4.5% | +4.1% |
| Valais | CHF 584.05 | CHF 601.00 | +2.9% | +3.6% |
| Vaud | CHF 696.50 | CHF 700.00 | +0.5% | +2.6% |
| Zug | CHF 416.00 | CHF 431.40 | +3.7% | +2.8% |
| Zurich | CHF 607.87 | CHF 637.37 | +4.9% | +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 Mutuel premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Mutuel in 2027 ranges from CHF 431.40 (canton of Zug) to CHF 803.30 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Mutuel offer?
In 2027, Mutuel 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 Mutuel more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 103.8 (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
- Mutuel: website (address), retrieved on 25.09.2026groupemutuel.ch
- Mutuel: website (physician search), retrieved on 25.09.2026groupemutuel.ch