Avenir's 2027 premiums in every canton
Avenir (Avenir Assurance Maladie SA) offers basic insurance in all 26 cantons. In 2027, its standard monthly premium for an adult (26 and over, with accident cover, CHF 300 deductible) ranges from CHF 437.80 (Zug) to CHF 826.00 (Ticino, region 1). It is not the cheapest standard insurer in any of the 42 premium regions where it operates. Compared with 2026, its standard premiums change by +5.2% on average. Models offered: Free choice of doctor, Family doctor or HMO, Combined model, Telemedicine.
Official 2027 FOPH premiums, published on . Page updated on .
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2027 premiums by canton and region
| Canton | Region | Standard, CHF 300 | Rank | Cheapest in the region | Gap per year | All models, CHF 2,500 | Child, standard | Vs 2026 |
|---|---|---|---|---|---|---|---|---|
| Aargau | – | CHF 622.10 | 23/27 | Agrisano CHF 548.80 | CHF 880 | CHF 372.80 | CHF 144.90 | +7.4% |
| Appenzell Innerrhoden | – | CHF 567.50 | 23/23 | ÖKK CHF 436.00 | CHF 1'578 | CHF 368.60 | CHF 146.40 | +4.5% |
| Appenzell Ausserrhoden | – | CHF 625.90 | 19/23 | Agrisano CHF 501.00 | CHF 1'499 | CHF 419.70 | CHF 148.60 | +9.9% |
| Bern | 1 | CHF 724.50 | 21/26 | Sanitas CHF 653.70 | CHF 850 | CHF 480.60 | CHF 154.80 | +4.5% |
| Bern | 2 | CHF 652.10 | 22/26 | ÖKK CHF 590.00 | CHF 745 | CHF 419.80 | CHF 139.40 | +4.5% |
| Bern | 3 | CHF 608.60 | 20/26 | Agrisano CHF 541.20 | CHF 809 | CHF 383.30 | CHF 130.10 | +4.5% |
| Basel-Landschaft | 1 | CHF 701.50 | 12/23 | ÖKK CHF 650.00 | CHF 618 | CHF 485.90 | CHF 169.60 | +1.0% |
| Basel-Landschaft | 2 | CHF 666.50 | 15/23 | ÖKK CHF 606.00 | CHF 726 | CHF 455.20 | CHF 161.20 | +1.0% |
| Basel-Stadt | – | CHF 706.00 | 5/23 | SLKK CHF 690.40 | CHF 187 | CHF 489.80 | CHF 183.50 | +2.6% |
| Fribourg | 1 | CHF 672.60 | 21/23 | Atupri CHF 593.30 | CHF 952 | CHF 406.80 | CHF 164.50 | +5.6% |
| Fribourg | 2 | CHF 625.60 | 22/23 | ÖKK CHF 551.00 | CHF 895 | CHF 369.30 | CHF 153.00 | +5.6% |
| Geneva | – | CHF 774.30 | 12/21 | Assura CHF 711.20 | CHF 757 | CHF 522.50 | CHF 198.20 | -0.4% |
| Glarus | – | CHF 563.10 | 16/26 | Agrisano CHF 523.80 | CHF 472 | CHF 374.00 | CHF 135.70 | +3.8% |
| Graubünden | 1 | CHF 628.10 | 21/24 | Cassa da malsauns Lumneziana CHF 525.20 | CHF 1'235 | CHF 421.60 | CHF 175.90 | +8.1% |
| Graubünden | 2 | CHF 618.70 | 23/24 | Cassa da malsauns Lumneziana CHF 489.50 | CHF 1'550 | CHF 413.40 | CHF 173.30 | +8.1% |
| Graubünden | 3 | CHF 596.70 | 24/24 | Cassa da malsauns Lumneziana CHF 450.80 | CHF 1'751 | CHF 394.20 | CHF 167.20 | +8.1% |
| Jura | – | CHF 793.90 | 20/21 | Atupri CHF 655.80 | CHF 1'657 | CHF 566.70 | CHF 173.00 | +9.3% |
| Lucerne | 1 | CHF 582.70 | 14/25 | Krankenkasse Luzerner Hinterland CHF 527.65 | CHF 661 | CHF 367.30 | CHF 142.20 | +4.2% |
| Lucerne | 2 | CHF 559.40 | 16/25 | Krankenkasse Luzerner Hinterland CHF 489.65 | CHF 837 | CHF 347.50 | CHF 136.60 | +4.2% |
| Lucerne | 3 | CHF 547.80 | 19/25 | Krankenkasse Luzerner Hinterland CHF 468.65 | CHF 950 | CHF 337.60 | CHF 133.70 | +4.2% |
| Neuchâtel | – | CHF 704.50 | 5/21 | Atupri CHF 675.60 | CHF 347 | CHF 470.90 | CHF 166.40 | +1.0% |
| Nidwalden | – | CHF 549.50 | 24/26 | Agrisano CHF 461.50 | CHF 1'056 | CHF 352.90 | CHF 121.90 | +5.1% |
| Obwalden | – | CHF 599.80 | 26/26 | Agrisano CHF 474.00 | CHF 1'510 | CHF 402.90 | CHF 145.70 | +4.5% |
| St. Gallen | 1 | CHF 610.70 | 19/25 | Agrisano CHF 560.50 | CHF 602 | CHF 406.40 | CHF 158.50 | +6.6% |
| St. Gallen | 2 | CHF 592.40 | 21/25 | Agrisano CHF 509.90 | CHF 990 | CHF 390.40 | CHF 153.80 | +6.5% |
| St. Gallen | 3 | CHF 574.10 | 23/25 | Agrisano CHF 488.00 | CHF 1'033 | CHF 374.40 | CHF 149.00 | +6.6% |
| Schaffhausen | 1 | CHF 707.40 | 23/23 | Agrisano CHF 568.30 | CHF 1'669 | CHF 491.00 | CHF 165.20 | +8.8% |
| Schaffhausen | 2 | CHF 665.00 | 23/23 | Agrisano CHF 514.50 | CHF 1'806 | CHF 453.90 | CHF 155.30 | +8.8% |
| Solothurn | – | CHF 709.10 | 24/25 | Agrisano CHF 582.40 | CHF 1'520 | CHF 492.50 | CHF 151.40 | +10.3% |
| Schwyz | – | CHF 553.40 | 17/28 | Einsiedler Krankenkasse CHF 454.70 | CHF 1'184 | CHF 356.30 | CHF 126.30 | +4.0% |
| Thurgau | – | CHF 570.20 | 13/23 | Agrisano CHF 524.60 | CHF 547 | CHF 351.00 | CHF 141.80 | +2.3% |
| Ticino | 1 | CHF 826.00 | 19/21 | Agrisano CHF 713.00 | CHF 1'356 | CHF 603.10 | CHF 198.70 | +6.2% |
| Ticino | 2 | CHF 760.00 | 18/21 | Agrisano CHF 658.00 | CHF 1'224 | CHF 544.60 | CHF 182.90 | +6.2% |
| Uri | – | CHF 543.30 | 21/26 | Atupri CHF 463.90 | CHF 953 | CHF 347.40 | CHF 130.30 | +1.1% |
| Vaud | 1 | CHF 728.60 | 14/21 | Galenos CHF 661.40 | CHF 806 | CHF 486.80 | CHF 196.80 | +1.6% |
| Vaud | 2 | CHF 677.60 | 11/21 | Galenos CHF 614.40 | CHF 758 | CHF 444.20 | CHF 183.10 | +1.6% |
| Valais | 1 | CHF 642.20 | 22/24 | Atupri CHF 574.20 | CHF 816 | CHF 434.00 | CHF 150.40 | +3.1% |
| Valais | 2 | CHF 616.60 | 26/26 | Krankenkasse Visperterminen CHF 494.45 | CHF 1'466 | CHF 411.50 | CHF 144.40 | +3.1% |
| Zug | – | CHF 437.80 | 12/27 | Agrisano CHF 405.30 | CHF 390 | CHF 255.10 | CHF 104.20 | +6.3% |
| Zurich | 1 | CHF 681.90 | 17/27 | SLKK CHF 633.00 | CHF 587 | CHF 424.40 | CHF 157.00 | +7.3% |
| Zurich | 2 | CHF 658.10 | 26/27 | Krankenkasse Wädenswil CHF 557.10 | CHF 1'212 | CHF 405.10 | CHF 151.60 | +7.3% |
| Zurich | 3 | CHF 634.20 | 26/27 | Krankenkasse Wädenswil CHF 508.10 | CHF 1'513 | CHF 385.70 | CHF 146.10 | +7.3% |
Rank: position of the insurer's standard premium among all standard offers of the region (1 = the cheapest). Gap per year: what the insurer costs over 12 months beyond the cheapest standard offer of the region. "All models": the insurer's lowest premium with the CHF 2,500 deductible, across all models.
Avenir's insurance models
For basic insurance, the benefits reimbursed are the same in every model. An alternative model restricts your first point of contact in exchange for a lower premium.
- Free choice of doctor
- Family doctor or HMO: OptiMed (Ärztenetz), PrimaCare (Hausarzt)
- Combined model: PrimaFlex (flexibles Modell)
- Telemedicine: SanaTel (Telemedizin)
Frequently asked questions
01Is Avenir cheaper in 2027?
In none of the 42 regions where it operates does Avenir have the cheapest standard offer. Its lowest standard premium for an adult is CHF 437.80 a month (Zug). The ranking depends on your region, age, deductible and model: type your postcode above to see Avenir against the other insurers and your possible saving.
02How do I cancel Avenir?
By registered letter, which must reach Avenir by 30 November 2026 at the latest for a switch on 1 January 2027. Cancel basic insurance only, and only once the new insurer has made its offer. The 5 steps and the letter template.
03Which insurance models does Avenir offer?
Free choice of doctor, Family doctor or HMO, Combined model, Telemedicine. Basic insurance benefits are identical in every model and with every insurer; only the price and the first point of contact change.
04Can Avenir refuse to insure me?
No. For basic insurance (KVG/LAMal), every insurer must accept anyone living in a canton where it operates, whatever their age or health, with no medical questionnaire. This is not the case for supplementary insurance.
The other health insurers in 2027
- Agrisano
- Aquilana
- Assura
- Atupri
- Cassa da malsauns Lumneziana
- Concordia
- CSS
- EGK
- Einsiedler Krankenkasse
- Galenos
- Glarner Krankenversicherung
- Helsana
- KPT
- Krankenkasse Birchmeier
- Krankenkasse Luzerner Hinterland
- Krankenkasse Steffisburg
- Krankenkasse Visperterminen
- Krankenkasse Wädenswil
- Mutuel Assurance
- ÖKK
- Philos
- rhenusana
- sana24
- Sanitas
- SLKK
- sodalis
- Sumiswalder Krankenkasse
- SWICA
- Sympany
- Visana
- vita surselva
Comparison of the 26 cantons · Understand Swiss health insurance · Switch insurer · About and method