# Health insurance premiums 2027 – Canton of Vaud: the cheapest insurers

> 2027 basic health insurance (KVG/LAMal) premiums in the canton of Vaud: cheapest adult premium from CHF 614.40 a month (Galenos), children, young adults, 21 insurers, 2 regions, average rise +2.6%. Official FOPH data.

https://premimatch.ch/en/premiums/vaud/ · 2026-10-01 · 2026-09-29 (OFSP/BAG) · https://premimatch.ch/en/premiums/vaud.md

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Premiums 2027 · Canton of Vaud

# Health insurance premiums 2027 in the canton of Vaud

The canton of Vaud has 2 premium regions. In 2027, the cheapest monthly basic insurance premium for an adult (26 and over, with accident cover, CHF 300 deductible, standard model) in the canton of Vaud is **CHF 614.40** with Galenos (region 2). With an alternative model and the CHF 2'500 deductible it drops to **CHF 431.10** (Philos – SanaTel (Télémédecine) (telmed)). The dearest standard premium reaches CHF 780.80, that is **CHF 1'997 more a year** for the same care.

Official 2027 FOPH premiums, published on 29.09.2026. Page updated on 01.10.2026.

- **614.40** cheapest adult premium a month (CHF), standard, CHF 300 deductible
- **431.10** cheapest across all models (CHF), CHF 2,500 deductible
- **21** health insurers active in the canton
- **+2.6%** average rise of the standard model vs 2026

**60 days** left to switch insurer: your cancellation letter must arrive by 30 November 2026. [Switch insurer in 5 steps](https://premimatch.ch/en/changer/)

## Premium region 1: Lausanne, Montreux, Bourg-en-Lavaux…

For an adult with accident cover, the cheapest standard offer in region 1 is **Galenos at CHF 661.40 a month** (CHF 300 deductible), against CHF 647.80 in 2026. Across all models, the cheapest is Atupri – HMO (family doctor) at CHF 584.30. With the CHF 2,500 deductible it falls to CHF 456.00 (Atupri – HMO (family doctor)). The median standard premium is CHF 720.80. On average, standard-model premiums rise by +2.6% compared with 2026.

**Monthly premium in CHF, region 1 of the canton of Vaud, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 661.40 | CHF 584.30 | CHF 456.00 | CHF 780.80 | CHF 1'433 |
| Young adults (19–25) | CHF 442.65 | CHF 424.95 | CHF 296.65 | CHF 658.00 | CHF 2'584 |
| Children (0–18) | CHF 156.60 | CHF 140.10 | CHF 106.50 | CHF 203.90 | CHF 568 |

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

### The cheapest offers in region 1

- **Adults (26 and over)**: Galenos, CHF 661.40 (standard model, CHF 300 deductible) · all models: Atupri – HMO (family doctor), CHF 584.30 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 456.00
- **Young adults (19 to 25)**: Sanitas, CHF 442.65 (standard model, CHF 300 deductible) · all models: Sanitas – Médecin de famille 1 (family doctor), CHF 424.95 · CHF 2'500 deductible: Sanitas – Médecin de famille 1 (family doctor), CHF 296.65
- **Children (0 to 18)**: Agrisano, CHF 156.60 (standard model, CHF 0 deductible) · all models: Helsana – Helsana BeneFit PLUS Médecin de famille R1 (family doctor), CHF 140.10 · CHF 600 deductible: CSS – Assurance du médecin de famille Profit (family doctor), CHF 106.50

For a child, the cheapest standard premium is CHF 156.60 a month (Agrisano, CHF 0 deductible) and CHF 106.50 with the CHF 600 deductible (CSS – Assurance du médecin de famille Profit (family doctor)).

Municipalities of region 1 (117): Lausanne, Montreux, Bourg-en-Lavaux, Gilly, Puidoux, Aubonne, Echichens, Essertines-sur-Rolle, Lutry, Savigny, Corsier-sur-Vevey, Forel (Lavaux), Saint-Cergue, Arzier-Le Muids and others. Type your postcode into the comparator to find your region.

## Premium region 2: Oron, Montanaire, Ollon…

For an adult with accident cover, the cheapest standard offer in region 2 is **Galenos at CHF 614.40 a month** (CHF 300 deductible), against CHF 601.70 in 2026. Across all models, the cheapest is Philos – SanaTel (Télémédecine) (telmed) at CHF 559.10. With the CHF 2,500 deductible it falls to CHF 431.10 (Philos – SanaTel (Télémédecine) (telmed)). The median standard premium is CHF 677.60. On average, standard-model premiums rise by +2.7% compared with 2026.

**Monthly premium in CHF, region 2 of the canton of Vaud, 2027, with accident cover**

| Profile | Standard, min. deductible | All models, min. deductible | All models, max. deductible | Dearest standard | Gap per year |
| --- | --- | --- | --- | --- | --- |
| Adults (26+) | CHF 614.40 | CHF 559.10 | CHF 431.10 | CHF 749.60 | CHF 1'622 |
| Young adults (19–25) | CHF 437.90 | CHF 408.30 | CHF 280.30 | CHF 612.00 | CHF 2'089 |
| Children (0–18) | CHF 143.50 | CHF 128.90 | CHF 95.40 | CHF 196.80 | CHF 640 |

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

### The cheapest offers in region 2

- **Adults (26 and over)**: Galenos, CHF 614.40 (standard model, CHF 300 deductible) · all models: Philos – SanaTel (Télémédecine) (telmed), CHF 559.10 · CHF 2'500 deductible: Philos – SanaTel (Télémédecine) (telmed), CHF 431.10
- **Young adults (19 to 25)**: Sanitas, CHF 437.90 (standard model, CHF 300 deductible) · all models: Philos – PrimaFlex (Modèle flexible) (combined), CHF 408.30 · CHF 2'500 deductible: Philos – PrimaFlex (Modèle flexible) (combined), CHF 280.30
- **Children (0 to 18)**: Agrisano, CHF 143.50 (standard model, CHF 0 deductible) · all models: KPT – KPTwin.smart - Médecin de famille avec app (telmed), CHF 128.90 · CHF 600 deductible: CSS – Assurance du médecin de famille Profit (family doctor), CHF 95.40

For a child, the cheapest standard premium is CHF 143.50 a month (Agrisano, CHF 0 deductible) and CHF 95.40 with the CHF 600 deductible (CSS – Assurance du médecin de famille Profit (family doctor)).

Municipalities of region 2 (183): Oron, Montanaire, Ollon, Valbroye, Vully-les-Lacs, Lucens, Sainte-Croix, Bex, Château-d'Oex, Hautemorges, Jorat-Menthue, Ormont-Dessous, Avenches, Tévenon and others. Type your postcode into the comparator to find your region.

## The 21 health insurers active in the canton of Vaud

[Agrisano](https://premimatch.ch/en/insurers/agrisano/), [Aquilana](https://premimatch.ch/en/insurers/aquilana/), [Assura](https://premimatch.ch/en/insurers/assura/), [Atupri](https://premimatch.ch/en/insurers/atupri/), [Avenir](https://premimatch.ch/en/insurers/avenir/), [Concordia](https://premimatch.ch/en/insurers/concordia/), [CSS](https://premimatch.ch/en/insurers/css/), [EGK](https://premimatch.ch/en/insurers/egk/), [Galenos](https://premimatch.ch/en/insurers/galenos/), [Helsana](https://premimatch.ch/en/insurers/helsana/), [KPT](https://premimatch.ch/en/insurers/kpt/), [Mutuel Assurance](https://premimatch.ch/en/insurers/mutuel-assurance/), [ÖKK](https://premimatch.ch/en/insurers/oekk/), [Philos](https://premimatch.ch/en/insurers/philos/), [rhenusana](https://premimatch.ch/en/insurers/rhenusana/), [sana24](https://premimatch.ch/en/insurers/sana24/), [Sanitas](https://premimatch.ch/en/insurers/sanitas/), [SWICA](https://premimatch.ch/en/insurers/swica/), [Sympany](https://premimatch.ch/en/insurers/sympany/), [Visana](https://premimatch.ch/en/insurers/visana/), [vita surselva](https://premimatch.ch/en/insurers/vita-surselva/).

All of them offer exactly the same benefits for basic insurance. None may turn you down. Each insurer has its own page: premiums by canton, rank, models.

## Frequently asked questions

### 1. Which health insurer is the cheapest in the canton of Vaud in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is Galenos at CHF 614.40 a month (region 2). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 431.10 with Philos – SanaTel (Télémédecine) (telmed). The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.

### 2. How much does basic insurance cost for a child in the canton of Vaud?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Vaud is CHF 143.50 a month with Agrisano, and the dearest CHF 203.90. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.

### 3. Are premiums rising in the canton of Vaud in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Vaud rise by +2.6% on average between 2026 and 2027, against an average rise of +5.0% in Switzerland according to the FOPH. The rise differs from one insurer to the next, which often changes the ranking: compare every autumn.

### 4. Until when can you switch insurer in the canton of Vaud for 2027?

As everywhere in Switzerland, the cancellation letter must reach your current insurer by 30 November 2026 at the latest. The switch takes effect on 1 January 2027. See [switch insurer in 5 steps](https://premimatch.ch/en/changer/).

Source: Federal Office of Public Health (FOPH), approved 2027 premiums, [opendata.swiss](https://opendata.swiss/en/dataset/health-insurance-premiums) dataset of 29.09.2026, processed by PremiMatch on 01.10.2026. Figures with accident cover; employees working 8 hours a week or more pay slightly less without it. Always check your offer on [priminfo.admin.ch](https://www.priminfo.admin.ch/).

## 2027 premiums in the other cantons

- [Aargau](https://premimatch.ch/en/premiums/aargau/)
- [Appenzell Ausserrhoden](https://premimatch.ch/en/premiums/appenzell-ausserrhoden/)
- [Appenzell Innerrhoden](https://premimatch.ch/en/premiums/appenzell-innerrhoden/)
- [Basel-Landschaft](https://premimatch.ch/en/premiums/basel-landschaft/)
- [Basel-Stadt](https://premimatch.ch/en/premiums/basel-stadt/)
- [Bern](https://premimatch.ch/en/premiums/bern/)
- [Fribourg](https://premimatch.ch/en/premiums/fribourg/)
- [Geneva](https://premimatch.ch/en/premiums/geneva/)
- [Glarus](https://premimatch.ch/en/premiums/glarus/)
- [Graubünden](https://premimatch.ch/en/premiums/graubunden/)
- [Jura](https://premimatch.ch/en/premiums/jura/)
- [Lucerne](https://premimatch.ch/en/premiums/lucerne/)
- [Neuchâtel](https://premimatch.ch/en/premiums/neuchatel/)
- [Nidwalden](https://premimatch.ch/en/premiums/nidwalden/)
- [Obwalden](https://premimatch.ch/en/premiums/obwalden/)
- [Schaffhausen](https://premimatch.ch/en/premiums/schaffhausen/)
- [Schwyz](https://premimatch.ch/en/premiums/schwyz/)
- [Solothurn](https://premimatch.ch/en/premiums/solothurn/)
- [St. Gallen](https://premimatch.ch/en/premiums/st-gallen/)
- [Thurgau](https://premimatch.ch/en/premiums/thurgau/)
- [Ticino](https://premimatch.ch/en/premiums/ticino/)
- [Uri](https://premimatch.ch/en/premiums/uri/)
- [Valais](https://premimatch.ch/en/premiums/valais/)
- [Zug](https://premimatch.ch/en/premiums/zug/)
- [Zurich](https://premimatch.ch/en/premiums/zurich/)

[Comparison of the 26 cantons](https://premimatch.ch/en/premiums/) · [All health insurers](https://premimatch.ch/en/insurers/) · [Understand Swiss health insurance](https://premimatch.ch/en/guide/) · [Switch insurer](https://premimatch.ch/en/changer/) · [About and method](https://premimatch.ch/en/about/)

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