Adults · CHF 300 deductible · with accident cover · 2027
Premiums by canton and model
| Canton | Standard | GP/HMO | Flex | Telemedicine and other |
|---|---|---|---|---|
| Aargau | CHF 570.30 | CHF 496.15up to CHF 530.40 | CHF 518.95 | CHF 513.25up to CHF 530.40 |
| Appenzell Inner Rhodes | CHF 463.40 | CHF 403.15up to CHF 430.95 | CHF 421.70 | CHF 417.05up to CHF 430.95 |
| Appenzell Outer Rhodes | CHF 534.30 | CHF 464.85up to CHF 496.90 | CHF 486.20 | CHF 480.85up to CHF 496.90 |
| Basel-City | CHF 719.20 | CHF 625.70up to CHF 668.85 | CHF 654.45 | CHF 611.30up to CHF 668.85 |
| Basel-Country2 premium regions | CHF 656.40up to CHF 674.20 | CHF 571.05up to CHF 627.00 | CHF 597.30up to CHF 613.50 | CHF 573.05up to CHF 627.00 |
| Bern3 premium regions | CHF 586.50up to CHF 653.70 | CHF 510.25up to CHF 607.95 | CHF 533.70up to CHF 594.85 | CHF 527.85up to CHF 600.30 |
| Fribourg2 premium regions | CHF 597.70up to CHF 600.70 | CHF 520.00up to CHF 558.65 | CHF 543.90up to CHF 546.65 | CHF 516.60up to CHF 558.65 |
| Geneva | CHF 748.90 | CHF 651.55up to CHF 696.50 | CHF 681.50 | CHF 629.10up to CHF 696.50 |
| Glarus | CHF 532.70 | CHF 463.45up to CHF 495.40 | CHF 484.75 | CHF 458.10up to CHF 495.40 |
| Graubünden3 premium regions | CHF 525.60up to CHF 568.00 | CHF 457.25up to CHF 528.25 | CHF 478.30up to CHF 516.90 | CHF 452.00up to CHF 528.25 |
| Jura | CHF 679.40 | CHF 591.10up to CHF 631.85 | CHF 618.25 | CHF 584.30up to CHF 631.85 |
| Lucerne3 premium regions | CHF 516.40up to CHF 549.40 | CHF 449.25up to CHF 510.95 | CHF 469.90up to CHF 499.95 | CHF 444.10up to CHF 510.95 |
| Neuchâtel | CHF 698.50 | CHF 607.70up to CHF 649.60 | CHF 635.65 | CHF 593.70up to CHF 649.60 |
| Nidwalden | CHF 482.60 | CHF 419.85up to CHF 448.80 | CHF 439.15 | CHF 415.05up to CHF 448.80 |
| Obwalden | CHF 498.40 | CHF 433.60up to CHF 463.50 | CHF 453.55 | CHF 428.60up to CHF 463.50 |
| Schaffhausen2 premium regions | CHF 578.90up to CHF 618.40 | CHF 503.65up to CHF 575.10 | CHF 526.80up to CHF 562.75 | CHF 497.85up to CHF 575.10 |
| Schwyz | CHF 532.70 | CHF 463.45up to CHF 495.40 | CHF 484.75 | CHF 479.45up to CHF 495.40 |
| Solothurn | CHF 613.90 | CHF 534.10up to CHF 570.95 | CHF 558.65 | CHF 552.50up to CHF 570.95 |
| St. Gallen3 premium regions | CHF 534.20up to CHF 574.70 | CHF 464.75up to CHF 534.45 | CHF 486.10up to CHF 523.00 | CHF 459.40up to CHF 534.45 |
| Thurgau | CHF 544.90 | CHF 474.05up to CHF 506.75 | CHF 495.85 | CHF 490.40up to CHF 506.75 |
| Ticino2 premium regions | CHF 673.60up to CHF 752.20 | CHF 586.05up to CHF 699.55 | CHF 613.00up to CHF 684.50 | CHF 606.25up to CHF 699.55 |
| Uri | CHF 487.50 | CHF 424.10up to CHF 453.35 | CHF 443.60 | CHF 438.75up to CHF 453.35 |
| Valais2 premium regions | CHF 566.00up to CHF 593.90 | CHF 492.40up to CHF 552.35 | CHF 515.05up to CHF 540.45 | CHF 486.75up to CHF 552.35 |
| Vaud2 premium regions | CHF 688.50up to CHF 696.00 | CHF 599.00up to CHF 647.30 | CHF 626.55up to CHF 633.35 | CHF 578.35up to CHF 647.30 |
| Zug | CHF 422.40 | CHF 367.50up to CHF 392.85 | CHF 384.40 | CHF 363.25up to CHF 392.85 |
| Zurich3 premium regions | CHF 545.50up to CHF 643.80 | CHF 474.60up to CHF 598.75 | CHF 496.40up to CHF 585.85 | CHF 469.15up to CHF 585.85 |
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 Sanitas 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 Sanitas standard model in the same region.
Aargau
GP model 1
Premium / month
496.15
CHF
Total / year
CHF 6,274
Saving
−890
CHF / year
Appenzell Inner Rhodes
GP model 1
Premium / month
403.15
CHF
Total / year
CHF 5,158
Saving
−723
CHF / year
Appenzell Outer Rhodes
GP model 1
Premium / month
464.85
CHF
Total / year
CHF 5,898
Saving
−833
CHF / year
Basel-City
TelMed Basic
Premium / month
611.30
CHF
Total / year
CHF 7,656
Saving
−1,295
CHF / year
Basel-Country
GP model 1 · region 2
Premium / month
571.05
CHF
Total / year
CHF 7,173
Saving
−1,024
CHF / year
Bern
GP model 1 · region 3
Premium / month
510.25
CHF
Total / year
CHF 6,443
Saving
−915
CHF / year
Fribourg
TelMed Basic · region 1
Premium / month
516.60
CHF
Total / year
CHF 6,519
Saving
−1,009
CHF / year
Geneva
TelMed Basic
Premium / month
629.10
CHF
Total / year
CHF 7,869
Saving
−1,438
CHF / year
Glarus
TelMed Basic
Premium / month
458.10
CHF
Total / year
CHF 5,817
Saving
−895
CHF / year
Graubünden
TelMed Basic · region 3
Premium / month
452.00
CHF
Total / year
CHF 5,744
Saving
−883
CHF / year
Jura
TelMed Basic
Premium / month
584.30
CHF
Total / year
CHF 7,332
Saving
−1,141
CHF / year
Lucerne
TelMed Basic · region 3
Premium / month
444.10
CHF
Total / year
CHF 5,649
Saving
−868
CHF / year
Neuchâtel
TelMed Basic
Premium / month
593.70
CHF
Total / year
CHF 7,444
Saving
−1,258
CHF / year
Nidwalden
TelMed Basic
Premium / month
415.05
CHF
Total / year
CHF 5,301
Saving
−811
CHF / year
Obwalden
TelMed Basic
Premium / month
428.60
CHF
Total / year
CHF 5,463
Saving
−838
CHF / year
Schaffhausen
TelMed Basic · region 2
Premium / month
497.85
CHF
Total / year
CHF 6,294
Saving
−973
CHF / year
Schwyz
GP model 1
Premium / month
463.45
CHF
Total / year
CHF 5,881
Saving
−831
CHF / year
Solothurn
GP model 1
Premium / month
534.10
CHF
Total / year
CHF 6,729
Saving
−958
CHF / year
St. Gallen
TelMed Basic · region 3
Premium / month
459.40
CHF
Total / year
CHF 5,833
Saving
−898
CHF / year
Thurgau
GP model 1
Premium / month
474.05
CHF
Total / year
CHF 6,009
Saving
−850
CHF / year
Ticino
GP model 1 · region 2
Premium / month
586.05
CHF
Total / year
CHF 7,353
Saving
−1,051
CHF / year
Uri
GP model 1
Premium / month
424.10
CHF
Total / year
CHF 5,409
Saving
−761
CHF / year
Valais
TelMed Basic · region 2
Premium / month
486.75
CHF
Total / year
CHF 6,161
Saving
−951
CHF / year
Vaud
TelMed Basic · region 2
Premium / month
578.35
CHF
Total / year
CHF 7,260
Saving
−1,322
CHF / year
Zug
TelMed Basic
Premium / month
363.25
CHF
Total / year
CHF 4,679
Saving
−710
CHF / year
Zurich
TelMed Basic · region 3
Premium / month
469.15
CHF
Total / year
CHF 5,950
Saving
−916
CHF / year
2026 → 2027
Change from the previous year
| Canton | 2026 | 2027 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 550.30 | CHF 570.30 | +3.6% | +4.8% |
| Appenzell Inner Rhodes | CHF 434.80 | CHF 463.40 | +6.6% | +4.4% |
| Appenzell Outer Rhodes | CHF 515.70 | CHF 534.30 | +3.6% | +4.7% |
| Basel-City | CHF 703.90 | CHF 719.20 | +2.2% | +3.7% |
| Basel-Country | CHF 648.10 | CHF 665.30 | +2.7% | +4.0% |
| Bern | CHF 610.37 | CHF 628.57 | +3.0% | +3.9% |
| Fribourg | CHF 577.50 | CHF 599.20 | +3.8% | +3.9% |
| Geneva | CHF 743.00 | CHF 748.90 | +0.8% | +1.9% |
| Glarus | CHF 523.70 | CHF 532.70 | +1.7% | +3.9% |
| Graubünden | CHF 518.30 | CHF 545.23 | +5.2% | +3.7% |
| Jura | CHF 655.70 | CHF 679.40 | +3.6% | +4.8% |
| Lucerne | CHF 511.40 | CHF 533.03 | +4.2% | +4.5% |
| Neuchâtel | CHF 686.40 | CHF 698.50 | +1.8% | +3.3% |
| Nidwalden | CHF 475.50 | CHF 482.60 | +1.5% | +4.2% |
| Obwalden | CHF 480.70 | CHF 498.40 | +3.7% | +3.8% |
| Schaffhausen | CHF 578.75 | CHF 598.65 | +3.4% | +4.5% |
| Schwyz | CHF 525.00 | CHF 532.70 | +1.5% | +3.9% |
| Solothurn | CHF 595.60 | CHF 613.90 | +3.1% | +4.8% |
| St. Gallen | CHF 533.87 | CHF 556.53 | +4.2% | +3.9% |
| Thurgau | CHF 532.40 | CHF 544.90 | +2.3% | +4.6% |
| Ticino | CHF 700.00 | CHF 712.90 | +1.8% | +4.0% |
| Uri | CHF 464.50 | CHF 487.50 | +5.0% | +4.1% |
| Valais | CHF 562.95 | CHF 579.95 | +3.0% | +3.6% |
| Vaud | CHF 672.10 | CHF 692.25 | +3.0% | +2.6% |
| Zug | CHF 407.10 | CHF 422.40 | +3.8% | +2.8% |
| Zurich | CHF 570.67 | CHF 593.17 | +3.9% | +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 Sanitas premiums in 2027?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Sanitas in 2027 ranges from CHF 422.40 (canton of Zug) to CHF 752.20 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Sanitas offer?
In 2027, Sanitas has premiums for 4 model types: 1 tariff of the Standard type, 4 tariffs of the GP/HMO type, 1 tariff of the Flex type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is Sanitas more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2027 index is 96.7 (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
- Sanitas: website (address), retrieved on 25.09.2026sanitas.com
- Sanitas: website (physician search), retrieved on 25.09.2026sanitas.com
- Sanitas: website (contact), retrieved on 25.09.2026sanitas.com