CSS's 2027 premiums in every canton
CSS (CSS Kranken-Versicherung AG) 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 457.00 (Zug) to CHF 797.00 (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 +7.1% on average. Models offered: Free choice of doctor, Family doctor or HMO, Telemedicine, Combined model.
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 614.00 | 19/27 | Agrisano CHF 548.80 | CHF 782 | CHF 387.50 | CHF 135.10 | +9.1% |
| Appenzell Innerrhoden | – | CHF 466.00 | 11/23 | ÖKK CHF 436.00 | CHF 360 | CHF 267.80 | CHF 102.50 | +7.1% |
| Appenzell Ausserrhoden | – | CHF 582.00 | 16/23 | Agrisano CHF 501.00 | CHF 972 | CHF 366.40 | CHF 128.00 | +4.1% |
| Bern | 1 | CHF 718.00 | 20/26 | Sanitas CHF 653.70 | CHF 772 | CHF 446.10 | CHF 158.00 | +5.1% |
| Bern | 2 | CHF 649.00 | 21/26 | ÖKK CHF 590.00 | CHF 708 | CHF 420.10 | CHF 142.80 | +6.7% |
| Bern | 3 | CHF 605.00 | 18/26 | Agrisano CHF 541.20 | CHF 766 | CHF 398.10 | CHF 133.10 | +6.1% |
| Basel-Landschaft | 1 | CHF 712.00 | 16/23 | ÖKK CHF 650.00 | CHF 744 | CHF 469.80 | CHF 156.60 | +7.2% |
| Basel-Landschaft | 2 | CHF 666.00 | 14/23 | ÖKK CHF 606.00 | CHF 720 | CHF 431.10 | CHF 146.50 | +7.2% |
| Basel-Stadt | – | CHF 733.00 | 11/23 | SLKK CHF 690.40 | CHF 511 | CHF 480.10 | CHF 161.30 | +7.2% |
| Fribourg | 1 | CHF 651.00 | 17/23 | Atupri CHF 593.30 | CHF 692 | CHF 431.60 | CHF 143.20 | +7.2% |
| Fribourg | 2 | CHF 590.00 | 13/23 | ÖKK CHF 551.00 | CHF 468 | CHF 385.00 | CHF 129.80 | +7.1% |
| Geneva | – | CHF 791.00 | 15/21 | Assura CHF 711.20 | CHF 958 | CHF 512.40 | CHF 174.00 | +6.5% |
| Glarus | – | CHF 583.00 | 20/26 | Agrisano CHF 523.80 | CHF 710 | CHF 390.60 | CHF 128.30 | +3.6% |
| Graubünden | 1 | CHF 586.00 | 12/24 | Cassa da malsauns Lumneziana CHF 525.20 | CHF 730 | CHF 369.80 | CHF 128.90 | +6.4% |
| Graubünden | 2 | CHF 564.00 | 15/24 | Cassa da malsauns Lumneziana CHF 489.50 | CHF 894 | CHF 337.00 | CHF 124.10 | +6.6% |
| Graubünden | 3 | CHF 535.00 | 12/24 | Cassa da malsauns Lumneziana CHF 450.80 | CHF 1'010 | CHF 321.10 | CHF 117.70 | +6.4% |
| Jura | – | CHF 726.00 | 15/21 | Atupri CHF 655.80 | CHF 842 | CHF 474.30 | CHF 159.70 | +8.4% |
| Lucerne | 1 | CHF 602.00 | 18/25 | Krankenkasse Luzerner Hinterland CHF 527.65 | CHF 892 | CHF 374.40 | CHF 132.40 | +6.7% |
| Lucerne | 2 | CHF 564.00 | 19/25 | Krankenkasse Luzerner Hinterland CHF 489.65 | CHF 892 | CHF 342.60 | CHF 124.10 | +6.6% |
| Lucerne | 3 | CHF 547.00 | 18/25 | Krankenkasse Luzerner Hinterland CHF 468.65 | CHF 940 | CHF 336.70 | CHF 120.30 | +7.9% |
| Neuchâtel | – | CHF 741.00 | 13/21 | Atupri CHF 675.60 | CHF 785 | CHF 490.40 | CHF 163.00 | +6.0% |
| Nidwalden | – | CHF 540.00 | 21/26 | Agrisano CHF 461.50 | CHF 942 | CHF 344.20 | CHF 118.80 | +6.5% |
| Obwalden | – | CHF 531.00 | 16/26 | Agrisano CHF 474.00 | CHF 684 | CHF 323.10 | CHF 116.80 | +7.1% |
| St. Gallen | 1 | CHF 615.00 | 20/25 | Agrisano CHF 560.50 | CHF 654 | CHF 394.50 | CHF 135.30 | +7.5% |
| St. Gallen | 2 | CHF 569.00 | 17/25 | Agrisano CHF 509.90 | CHF 709 | CHF 349.70 | CHF 125.20 | +7.6% |
| St. Gallen | 3 | CHF 558.00 | 21/25 | Agrisano CHF 488.00 | CHF 840 | CHF 346.00 | CHF 122.80 | +8.1% |
| Schaffhausen | 1 | CHF 648.00 | 19/23 | Agrisano CHF 568.30 | CHF 956 | CHF 435.50 | CHF 142.60 | +5.4% |
| Schaffhausen | 2 | CHF 620.00 | 20/23 | Agrisano CHF 514.50 | CHF 1'266 | CHF 414.20 | CHF 136.40 | +5.4% |
| Solothurn | – | CHF 654.00 | 19/25 | Agrisano CHF 582.40 | CHF 859 | CHF 427.60 | CHF 143.90 | +7.9% |
| Schwyz | – | CHF 556.00 | 18/28 | Einsiedler Krankenkasse CHF 454.70 | CHF 1'216 | CHF 352.60 | CHF 122.30 | +8.0% |
| Thurgau | – | CHF 573.00 | 14/23 | Agrisano CHF 524.60 | CHF 581 | CHF 358.80 | CHF 126.10 | +5.9% |
| Ticino | 1 | CHF 797.00 | 14/21 | Agrisano CHF 713.00 | CHF 1'008 | CHF 525.20 | CHF 175.30 | +7.1% |
| Ticino | 2 | CHF 754.00 | 14/21 | Agrisano CHF 658.00 | CHF 1'152 | CHF 478.70 | CHF 165.90 | +7.0% |
| Uri | – | CHF 516.00 | 14/26 | Atupri CHF 463.90 | CHF 625 | CHF 294.80 | CHF 113.50 | +7.5% |
| Vaud | 1 | CHF 748.00 | 19/21 | Galenos CHF 661.40 | CHF 1'039 | CHF 481.30 | CHF 164.60 | +7.2% |
| Vaud | 2 | CHF 710.00 | 20/21 | Galenos CHF 614.40 | CHF 1'147 | CHF 464.60 | CHF 156.20 | +7.6% |
| Valais | 1 | CHF 624.00 | 18/24 | Atupri CHF 574.20 | CHF 598 | CHF 408.30 | CHF 137.30 | +7.4% |
| Valais | 2 | CHF 558.00 | 17/26 | Krankenkasse Visperterminen CHF 494.45 | CHF 763 | CHF 351.60 | CHF 122.80 | +7.3% |
| Zug | – | CHF 457.00 | 22/27 | Agrisano CHF 405.30 | CHF 620 | CHF 253.30 | CHF 100.50 | +6.8% |
| Zurich | 1 | CHF 718.00 | 25/27 | SLKK CHF 633.00 | CHF 1'020 | CHF 442.50 | CHF 158.00 | +10.3% |
| Zurich | 2 | CHF 652.00 | 24/27 | Krankenkasse Wädenswil CHF 557.10 | CHF 1'139 | CHF 393.30 | CHF 143.40 | +10.3% |
| Zurich | 3 | CHF 617.00 | 24/27 | Krankenkasse Wädenswil CHF 508.10 | CHF 1'307 | CHF 359.10 | CHF 135.70 | +10.4% |
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.
CSS'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.
- Family doctor or HMO: Gesundheitspraxisversicherung, Hausarztversicherung Profit
- Telemedicine: Callmed
- Combined model: Multimed
- Free choice of doctor
Frequently asked questions
01Is CSS cheaper in 2027?
In none of the 42 regions where it operates does CSS have the cheapest standard offer. Its lowest standard premium for an adult is CHF 457.00 a month (Zug). The ranking depends on your region, age, deductible and model: type your postcode above to see CSS against the other insurers and your possible saving.
02How do I cancel CSS?
By registered letter, which must reach CSS 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 CSS offer?
Free choice of doctor, Family doctor or HMO, Telemedicine, Combined model. Basic insurance benefits are identical in every model and with every insurer; only the price and the first point of contact change.
04Can CSS 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
- Avenir
- Cassa da malsauns Lumneziana
- Concordia
- 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