Premiums 2027 · Canton of Zurich

Health insurance premiums 2027 in the canton of Zurich

The canton of Zurich has 3 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 Zurich is CHF 508.10 with Krankenkasse Wädenswil (region 3). With an alternative model and the CHF 2'500 deductible it drops to CHF 338.90 (SLKK – SmartMed (telmed)). The dearest standard premium reaches CHF 750.70, that is CHF 2'911 more a year for the same care.

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

508.10cheapest adult premium a month (CHF), standard, CHF 300 deductible

338.90cheapest across all models (CHF), CHF 2,500 deductible

27health insurers active in the canton

+4.8%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

Premium region 1: Zürich

For an adult with accident cover, the cheapest standard offer in region 1 is SLKK at CHF 633.00 a month (CHF 300 deductible), against CHF 605.20 in 2026. Across all models, the cheapest is Atupri – HMO (family doctor) at CHF 535.10. With the CHF 2,500 deductible it falls to CHF 406.80 (Atupri – HMO (family doctor)). The median standard premium is CHF 677.00. On average, standard-model premiums rise by +4.6% compared with 2026.

Monthly premium in CHF, region 1 of the canton of Zurich, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 633.00	CHF 535.10	CHF 406.80	CHF 750.70	CHF 1'412
Young adults (19–25)	CHF 418.45	CHF 384.50	CHF 256.20	CHF 601.00	CHF 2'191
Children (0–18)	CHF 147.30	CHF 124.60	CHF 89.60	CHF 193.30	CHF 552

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): SLKK, CHF 633.00 (standard model, CHF 300 deductible) · all models: Atupri – HMO (family doctor), CHF 535.10 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 406.80
Young adults (19 to 25): Sanitas, CHF 418.45 (standard model, CHF 300 deductible) · all models: Assura – QualiMed (combined), CHF 384.50 · CHF 2'500 deductible: Assura – QualiMed (combined), CHF 256.20
Children (0 to 18): Sumiswalder Krankenkasse, CHF 147.30 (standard model, CHF 0 deductible) · all models: Assura – QualiMed (combined), CHF 124.60 · CHF 600 deductible: Assura – QualiMed (combined), CHF 89.60

For a child, the cheapest standard premium is CHF 147.30 a month (Sumiswalder Krankenkasse, CHF 0 deductible) and CHF 89.60 with the CHF 600 deductible (Assura – QualiMed (combined)).

Municipalities of region 1 (1): Zürich. Type your postcode into the comparator to find your region.

Premium region 2: Winterthur, Uster, Horgen…

For an adult with accident cover, the cheapest standard offer in region 2 is Krankenkasse Wädenswil at CHF 557.10 a month (CHF 300 deductible), against CHF 535.60 in 2026. Across all models, the cheapest is SLKK – SmartMed (telmed) at CHF 493.00. With the CHF 2,500 deductible it falls to CHF 367.40 (Atupri – HMO (family doctor)). The median standard premium is CHF 609.70. On average, standard-model premiums rise by +4.7% compared with 2026.

Monthly premium in CHF, region 2 of the canton of Zurich, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 557.10	CHF 493.00	CHF 367.40	CHF 661.30	CHF 1'250
Young adults (19–25)	CHF 383.65	CHF 352.60	CHF 224.30	CHF 546.00	CHF 1'948
Children (0–18)	CHF 126.80	CHF 110.30	CHF 78.00	CHF 191.20	CHF 773

The cheapest offers in region 2

Adults (26 and over): Krankenkasse Wädenswil, CHF 557.10 (standard model, CHF 300 deductible) · all models: SLKK – SmartMed (telmed), CHF 493.00 · CHF 2'500 deductible: Atupri – HMO (family doctor), CHF 367.40
Young adults (19 to 25): Sanitas, CHF 383.65 (standard model, CHF 300 deductible) · all models: Assura – MediTel (telmed), CHF 352.60 · CHF 2'500 deductible: Assura – MediTel (telmed), CHF 224.30
Children (0 to 18): Krankenkasse Wädenswil, CHF 126.80 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 110.30 · CHF 600 deductible: Assura – MediTel (telmed), CHF 78.00

For a child, the cheapest standard premium is CHF 126.80 a month (Krankenkasse Wädenswil, CHF 0 deductible) and CHF 78.00 with the CHF 600 deductible (Assura – MediTel (telmed)).

Municipalities of region 2 (37): Winterthur, Uster, Horgen, Maur, Dübendorf, Egg, Opfikon, Wädenswil, Fällanden, Hombrechtikon, Regensdorf, Rümlang, Stäfa, Volketswil and others. Type your postcode into the comparator to find your region.

Premium region 3: Illnau-Effretikon, Dürnten, Gossau (ZH)…

For an adult with accident cover, the cheapest standard offer in region 3 is Krankenkasse Wädenswil at CHF 508.10 a month (CHF 300 deductible), against CHF 488.50 in 2026. Across all models, the cheapest is SLKK – SmartMed (telmed) at CHF 456.80. With the CHF 2,500 deductible it falls to CHF 338.90 (SLKK – SmartMed (telmed)). The median standard premium is CHF 570.00. On average, standard-model premiums rise by +5.1% compared with 2026.

Monthly premium in CHF, region 3 of the canton of Zurich, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 508.10	CHF 456.80	CHF 338.90	CHF 645.60	CHF 1'650
Young adults (19–25)	CHF 354.55	CHF 332.10	CHF 205.30	CHF 498.00	CHF 1'721
Children (0–18)	CHF 115.70	CHF 100.80	CHF 68.40	CHF 181.80	CHF 793

The cheapest offers in region 3

Adults (26 and over): Krankenkasse Wädenswil, CHF 508.10 (standard model, CHF 300 deductible) · all models: SLKK – SmartMed (telmed), CHF 456.80 · CHF 2'500 deductible: SLKK – SmartMed (telmed), CHF 338.90
Young adults (19 to 25): Sanitas, CHF 354.55 (standard model, CHF 300 deductible) · all models: Assura – MediTel (telmed), CHF 332.10 · CHF 2'500 deductible: Assura – MediTel (telmed), CHF 205.30
Children (0 to 18): Krankenkasse Wädenswil, CHF 115.70 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 100.80 · CHF 600 deductible: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 68.40

For a child, the cheapest standard premium is CHF 115.70 a month (Krankenkasse Wädenswil, CHF 0 deductible) and CHF 68.40 with the CHF 600 deductible (ÖKK – ÖKK CASAMED HMO (family doctor)).

Municipalities of region 3 (122): Illnau-Effretikon, Dürnten, Gossau (ZH), Wiesendangen, Dägerlen, Elgg, Fischenthal, Lindau, Stammheim, Weisslingen, Wildberg, Bäretswil, Neerach, Neftenbach and others. Type your postcode into the comparator to find your region.

The 27 health insurers active in the canton of Zurich

Agrisano, Aquilana, Assura, Atupri, Avenir, Concordia, CSS, EGK, Einsiedler Krankenkasse, Galenos, Helsana, KPT, Krankenkasse Luzerner Hinterland, Krankenkasse Steffisburg, Krankenkasse Wädenswil, Mutuel Assurance, ÖKK, Philos, rhenusana, sana24, Sanitas, SLKK, Sumiswalder Krankenkasse, SWICA, Sympany, Visana, 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

01Which health insurer is the cheapest in the canton of Zurich in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is Krankenkasse Wädenswil at CHF 508.10 a month (region 3). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 338.90 with SLKK – SmartMed (telmed). The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.

02How much does basic insurance cost for a child in the canton of Zurich?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Zurich is CHF 115.70 a month with Krankenkasse Wädenswil, and the dearest CHF 193.30. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.

03Are premiums rising in the canton of Zurich in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Zurich rise by +4.8% 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.

04Until when can you switch insurer in the canton of Zurich 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.

Source: Federal Office of Public Health (FOPH), approved 2027 premiums, opendata.swiss 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.

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