Sanitas's 2027 premiums in every canton
Sanitas (Sanitas Grundversicherungen 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 422.40 (Zug) to CHF 752.20 (Ticino, region 1). It is the cheapest standard insurer in 1 of 42 premium regions. Compared with 2026, its standard premiums change by +3.4% 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 570.30 | 5/27 | Agrisano CHF 548.80 | CHF 258 | CHF 367.85 | CHF 144.30 | +3.6% |
| Appenzell Innerrhoden | – | CHF 463.40 | 9/23 | ÖKK CHF 436.00 | CHF 329 | CHF 274.85 | CHF 116.30 | +6.6% |
| Appenzell Ausserrhoden | – | CHF 534.30 | 4/23 | Agrisano CHF 501.00 | CHF 400 | CHF 336.55 | CHF 127.70 | +3.6% |
| Bern | 1 | CHF 653.70 | 1/26 | the cheapest | – | CHF 440.40 | CHF 134.00 | +3.0% |
| Bern | 2 | CHF 645.50 | 18/26 | ÖKK CHF 590.00 | CHF 666 | CHF 426.85 | CHF 132.35 | +3.0% |
| Bern | 3 | CHF 586.50 | 10/26 | Agrisano CHF 541.20 | CHF 544 | CHF 381.95 | CHF 120.25 | +3.0% |
| Basel-Landschaft | 1 | CHF 674.20 | 4/23 | ÖKK CHF 650.00 | CHF 290 | CHF 444.75 | CHF 159.10 | +2.6% |
| Basel-Landschaft | 2 | CHF 656.40 | 12/23 | ÖKK CHF 606.00 | CHF 605 | CHF 442.75 | CHF 154.90 | +2.7% |
| Basel-Stadt | – | CHF 719.20 | 10/23 | SLKK CHF 690.40 | CHF 346 | CHF 483.00 | CHF 165.40 | +2.2% |
| Fribourg | 1 | CHF 600.70 | 3/23 | Atupri CHF 593.30 | CHF 89 | CHF 388.30 | CHF 151.40 | +3.7% |
| Fribourg | 2 | CHF 597.70 | 17/23 | ÖKK CHF 551.00 | CHF 560 | CHF 391.70 | CHF 150.60 | +3.8% |
| Geneva | – | CHF 748.90 | 7/21 | Assura CHF 711.20 | CHF 452 | CHF 500.80 | CHF 196.20 | +0.8% |
| Glarus | – | CHF 532.70 | 6/26 | Agrisano CHF 523.80 | CHF 107 | CHF 329.80 | CHF 131.60 | +1.7% |
| Graubünden | 1 | CHF 568.00 | 7/24 | Cassa da malsauns Lumneziana CHF 525.20 | CHF 514 | CHF 348.80 | CHF 139.15 | +5.2% |
| Graubünden | 2 | CHF 542.10 | 11/24 | Cassa da malsauns Lumneziana CHF 489.50 | CHF 631 | CHF 337.90 | CHF 132.80 | +5.2% |
| Graubünden | 3 | CHF 525.60 | 10/24 | Cassa da malsauns Lumneziana CHF 450.80 | CHF 898 | CHF 323.70 | CHF 128.75 | +5.2% |
| Jura | – | CHF 679.40 | 3/21 | Atupri CHF 655.80 | CHF 283 | CHF 456.00 | CHF 156.25 | +3.6% |
| Lucerne | 1 | CHF 549.40 | 3/25 | Krankenkasse Luzerner Hinterland CHF 527.65 | CHF 261 | CHF 349.70 | CHF 133.50 | +3.5% |
| Lucerne | 2 | CHF 533.30 | 5/25 | Krankenkasse Luzerner Hinterland CHF 489.65 | CHF 524 | CHF 330.35 | CHF 129.60 | +4.6% |
| Lucerne | 3 | CHF 516.40 | 6/25 | Krankenkasse Luzerner Hinterland CHF 468.65 | CHF 573 | CHF 315.80 | CHF 125.50 | +4.6% |
| Neuchâtel | – | CHF 698.50 | 4/21 | Atupri CHF 675.60 | CHF 275 | CHF 465.40 | CHF 166.25 | +1.8% |
| Nidwalden | – | CHF 482.60 | 2/26 | Agrisano CHF 461.50 | CHF 253 | CHF 286.75 | CHF 110.50 | +1.5% |
| Obwalden | – | CHF 498.40 | 7/26 | Agrisano CHF 474.00 | CHF 293 | CHF 300.30 | CHF 112.65 | +3.7% |
| St. Gallen | 1 | CHF 574.70 | 5/25 | Agrisano CHF 560.50 | CHF 170 | CHF 371.70 | CHF 136.20 | +4.2% |
| St. Gallen | 2 | CHF 560.70 | 15/25 | Agrisano CHF 509.90 | CHF 610 | CHF 348.30 | CHF 132.90 | +4.2% |
| St. Gallen | 3 | CHF 534.20 | 15/25 | Agrisano CHF 488.00 | CHF 554 | CHF 331.10 | CHF 126.60 | +4.3% |
| Schaffhausen | 1 | CHF 618.40 | 14/23 | Agrisano CHF 568.30 | CHF 601 | CHF 403.50 | CHF 144.10 | +2.9% |
| Schaffhausen | 2 | CHF 578.90 | 13/23 | Agrisano CHF 514.50 | CHF 773 | CHF 369.55 | CHF 134.90 | +4.0% |
| Solothurn | – | CHF 613.90 | 8/25 | Agrisano CHF 582.40 | CHF 378 | CHF 405.80 | CHF 141.20 | +3.1% |
| Schwyz | – | CHF 532.70 | 11/28 | Einsiedler Krankenkasse CHF 454.70 | CHF 936 | CHF 335.15 | CHF 133.70 | +1.5% |
| Thurgau | – | CHF 544.90 | 6/23 | Agrisano CHF 524.60 | CHF 244 | CHF 345.75 | CHF 133.50 | +2.3% |
| Ticino | 1 | CHF 752.20 | 8/21 | Agrisano CHF 713.00 | CHF 470 | CHF 518.60 | CHF 182.05 | +3.6% |
| Ticino | 2 | CHF 673.60 | 3/21 | Agrisano CHF 658.00 | CHF 187 | CHF 457.75 | CHF 163.00 | 0.0% |
| Uri | – | CHF 487.50 | 6/26 | Atupri CHF 463.90 | CHF 283 | CHF 295.80 | CHF 115.55 | +5.0% |
| Vaud | 1 | CHF 696.00 | 5/21 | Galenos CHF 661.40 | CHF 415 | CHF 459.80 | CHF 178.85 | +3.0% |
| Vaud | 2 | CHF 688.50 | 17/21 | Galenos CHF 614.40 | CHF 889 | CHF 450.05 | CHF 176.95 | +3.0% |
| Valais | 1 | CHF 593.90 | 8/24 | Atupri CHF 574.20 | CHF 236 | CHF 382.45 | CHF 139.55 | +6.1% |
| Valais | 2 | CHF 566.00 | 20/26 | Krankenkasse Visperterminen CHF 494.45 | CHF 859 | CHF 358.45 | CHF 133.00 | 0.0% |
| Zug | – | CHF 422.40 | 8/27 | Agrisano CHF 405.30 | CHF 205 | CHF 234.95 | CHF 112.35 | +3.8% |
| Zurich | 1 | CHF 643.80 | 3/27 | SLKK CHF 633.00 | CHF 130 | CHF 412.50 | CHF 166.10 | +3.9% |
| Zurich | 2 | CHF 590.20 | 10/27 | Krankenkasse Wädenswil CHF 557.10 | CHF 397 | CHF 379.25 | CHF 152.25 | +3.9% |
| Zurich | 3 | CHF 545.50 | 7/27 | Krankenkasse Wädenswil CHF 508.10 | CHF 449 | CHF 340.85 | CHF 140.75 | +3.9% |
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.
Sanitas'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: Hausarztmodell 1, Hausarztmodell 2, Hausarztmodell 3, Hausarztmodell 4
- Combined model: MultiAccess
- Telemedicine: TelMed Basic, TelMed Plus
Frequently asked questions
01Is Sanitas cheaper in 2027?
Sanitas is the cheapest standard insurer in 1 of 42 regions. Its lowest standard premium for an adult is CHF 422.40 a month (Zug). The ranking depends on your region, age, deductible and model: type your postcode above to see Sanitas against the other insurers and your possible saving.
02How do I cancel Sanitas?
By registered letter, which must reach Sanitas 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 Sanitas 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 Sanitas 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
- 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
- SLKK
- sodalis
- Sumiswalder Krankenkasse
- SWICA
- Sympany
- Visana
- vita surselva
Comparison of the 26 cantons · Understand Swiss health insurance · Switch insurer · About and method