Health insurance premiums Zug 2027
In the canton of Zug, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 447.70 per month, +2.8% compared with 2026. This is the average of all 27 insurers (unweighted). The cheapest premium is CHF 350.60 (“Telemedicine and others” model, Agrisano). A single premium region applies to the whole canton.
Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate
Premiums in the canton of Zug 2027 in figures
- Average standard model
- Unweighted average of the monthly premiums of all insurers in the standard model (free choice of physicians), adults aged 26 and over, CHF 300 deductible, with accident cover; for each insurer, its cheapest standard tariff. Not an FOPH average (the FOPH weights by number of insured people).
- Change from previous year
- Change in the standard model average compared with the previous year, in per cent (same definition in both years).
- Cheapest premium
- Lowest monthly premium of all insurers across all models (standard, GP/HMO, telemedicine and others), adults aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities.
- Young adults and children
- Calculated in the same way as the standard model average: young adults aged 19 to 25, CHF 300 deductible, with accident cover; children up to 18, CHF 0 deductible, with accident cover. The average of all insurers is unweighted and is not an FOPH “average premium”.
Source: FOPH, health insurance premiums 2027, opendata.swiss, retrieved on 15.10.2026; our own calculation.
One region for the whole canton
A single premium region applies in the canton of Zug: an insurer’s premium is the same in all 11 municipalities. Differences only arise between insurers, models, deductibles and age groups.
Cheapest offers by model and age group
Lowest monthly premium in the canton of Zug in 2027 by model type, with accident cover. Children: up to 18, CHF 0 deductible, with accident cover; young adults: aged 19 to 25, CHF 300 deductible, with accident cover; adults: aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities; the premium calculator shows whether an offer applies where you live. Models: Standard (free choice of physicians), GP/HMO (GP practice or HMO first), Flex (several first points of contact to choose from), Telemedicine and others (advice by phone or online first (FOPH: “other models”)).
| Age group | Model | Cheapest premium | Insurer | Ø of all insurers |
|---|---|---|---|---|
| Children | Standard | CHF 89.20 | AgrisanoTariff BASE | CHF 109.23 |
| GP/HMO | CHF 82.10 | AgrisanoTariff AGRIeco | CHF 97.62 | |
| Flex | CHF 84.10 | HelsanaTariff Helsana BeneFit PLUS Flexmed | CHF 99.81 | |
| Telemedicine and others | CHF 77.20 | AgrisanoTariff AGRIsmart | CHF 97.60 | |
| Young adults | Standard | CHF 295.90 | AgrisanoTariff BASE | CHF 335.46 |
| GP/HMO | CHF 263.30 | CONCORDIATariff HMO | CHF 297.97 | |
| Flex | CHF 265.70 | MutuelTariff PrimaFlex (flexibles Modell) | CHF 294.43 | |
| Telemedicine and others | CHF 256.00 | AgrisanoTariff AGRIsmart | CHF 299.62 | |
| Adults | Standard | CHF 405.30 | AgrisanoTariff BASE | CHF 447.70 |
| GP/HMO | CHF 355.80 | CONCORDIATariff HMO | CHF 393.70 | |
| Flex | CHF 365.70 | HelsanaTariff Helsana BeneFit PLUS Flexmed | CHF 386.00 | |
| Telemedicine and others | CHF 350.60 | AgrisanoTariff AGRIsmart | CHF 395.41 |
Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.
Development since 2011
From 2011 to 2027 the standard model average in the canton of Zug rose by 49.2%, from CHF 300.05 to CHF 447.70 per month (+147.65 CHF). Across Switzerland the change was +77.1%. Reference: adults aged 26 and over, CHF 300 deductible, with accident cover.
Show as table
| Year | Zug | Switzerland | Change Zug |
|---|---|---|---|
| 2011 | CHF 300.05 | CHF 342.47 | – |
| 2012 | CHF 320.49 | CHF 361.85 | +6.8 % |
| 2013 | CHF 327.83 | CHF 370.76 | +2.3 % |
| 2014 | CHF 336.61 | CHF 381.38 | +2.7 % |
| 2015 | CHF 349.32 | CHF 398.72 | +3.8 % |
| 2016 | CHF 362.95 | CHF 415.71 | +3.9 % |
| 2017 | CHF 383.26 | CHF 438.67 | +5.6 % |
| 2018 | CHF 398.74 | CHF 456.18 | +4.0 % |
| 2019 | CHF 409.47 | CHF 470.78 | +2.7 % |
| 2020 | CHF 410.85 | CHF 476.43 | +0.3 % |
| 2021 | CHF 412.35 | CHF 480.47 | +0.4 % |
| 2022 | CHF 411.08 | CHF 480.30 | −0.3 % |
| 2023 | CHF 428.08 | CHF 501.47 | +4.1 % |
| 2024 | CHF 461.25 | CHF 537.46 | +7.7 % |
| 2025 | CHF 478.55 | CHF 565.47 | +3.8 % |
| 2026 | CHF 435.56 | CHF 583.29 | −9.0 % |
| 2027 | CHF 447.70 | CHF 606.62 | +2.8 % |
Our own calculation, unweighted (not based on the number of insured people), from FOPH, health insurance premiums 2011–2027, opendata.swiss. Not an FOPH “average premium” (which is weighted). Methodology: How we calculate.
Saving in the canton of Zug
These deadlines count now
- 330 days leftSupplementary insurance (Insurance Contract Act)
Often the notice deadline for supplementary insurance for the end of the year, but only if the general terms and conditions of your product say so. Check your policy.
Source: Insurance Contract Act; general terms and conditions of the product
- 26 days leftBasic health insurance at the end of the year
Notice of cancellation of basic health insurance must reach the insurer by 30.11.; the postmark does not count. Applies to all deductibles and models; the switch takes effect on 01.01.
Source: Art. 7 para. 2 KVG
- 147 days leftBasic health insurance for 30.06.
Only with the standard deductible (CHF 300, children CHF 0) in the standard model: notice must reach the insurer by 31.03., the switch takes effect on 01.07. With an optional deductible or an alternative model, you can only switch at the end of the year.
Source: Art. 7 para. 1 KVG; Art. 94 para. 2 and Art. 100 para. 3 KVV
Frequently asked questions
How high are health insurance premiums in the canton of Zug in 2027?
In the canton of Zug, basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 447.70 per month, +2.8% compared with 2026. This is the average of all 27 insurers (unweighted). The cheapest premium is CHF 350.60 (“Telemedicine and others” model, Agrisano). A single premium region applies to the whole canton. In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 335.46 and children (up to 18, CHF 0 deductible, with accident cover) CHF 109.23 per month on average.
Which health insurer is cheapest in the canton of Zug?
Across all models, Agrisano is cheapest at CHF 350.60 per month (“Telemedicine and others” model; adults aged 26 and over, CHF 300 deductible, with accident cover). In the standard model with free choice of physicians, Agrisano is cheapest at CHF 405.30. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.
Does the canton of Zug have several premium regions?
No. A single premium region applies in the canton of Zug: an insurer’s premium is the same in all 11 municipalities. Differences only arise between insurers, models, deductibles and age groups.
How have premiums in the canton of Zug developed since 2011?
From 2011 to 2027 the standard model average (adults aged 26 and over, CHF 300 deductible, with accident cover) rose by 49.2% or CHF 147.65 per month, from CHF 300.05 to CHF 447.70. Across Switzerland the change was +77.1%. Our own calculation from FOPH premium data, unweighted.
Are there premium subsidies in the canton of Zug?
Yes. The cantons reduce the premiums of insured people of modest means (Art. 65 KVG). Who is eligible, how much is paid and the deadline for applying are set by the canton of Zug itself. The cantonal office responsible for premium subsidies can give you information.
How do I switch health insurer in the canton of Zug?
Cancel your basic health insurance in writing with your insurer: your notice must arrive by 30.11.2026; the postmark does not count. The switch takes effect on 01.01.2027. Every insurer must accept you for basic health insurance, regardless of age and health (Art. 4 para. 2 KVG). Supplementary insurance has its own deadlines under the general terms and conditions.
Sources
- FOPH, health insurance premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026opendata.swiss
- FOPH, priminfo.admin.ch, premium regions 2027, as at 15.10.2026priminfo.admin.ch
- swisstopo, swissBOUNDARIES3D (edition 2026-01) (© swisstopo)swisstopo.admin.ch
- FDHA Ordinance on Premium RegionsSR 832.106fedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 4Art. 4 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 7Art. 7 para. 2 KVGfedlex.admin.ch
- Federal Health Insurance Act (KVG), Art. 65Art. 65 para. 1 KVGfedlex.admin.ch