Health insurance Neuchâtel: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Neuchâtel costs CHF 465.40 per month in 2027 (Sanitas, Telmed, deductible 2'500, across the whole canton). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Neuchâtel 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, across the whole canton. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | SanitasTelmed · TelMed Basic | CHF 465.40 | new |
| 2 | VisanaHMO · VIVA - Gesundheitsplan | CHF 470.60 | +1.6% |
| 3 | AvenirTelmed · SanaTel (Telemedizin) | CHF 470.90 | +1.3% |
| 4 | AssuraFamily doctor · PharMed | CHF 471.40 | +6.9% |
| 5 | SwicaHMO · Favorit Santé | CHF 471.80 | +8.7% |
| 6 | AtupriHMO · HMO | CHF 473.00 | +3.8% |
| 7 | AgrisanoTelmed · AGRIsmart | CHF 477.60 | +0.6% |
| 8 | GalenosAlternative · Combi Care | CHF 478.50 | +4.2% |
| 9 | HelsanaTelmed · Helsana BeneFit PLUS Telemed | CHF 484.00 | +10.0% |
| 10 | ConcordiaHMO · HMO | CHF 486.60 | +1.2% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, across the whole canton.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | Atupri | CHF 675.60 | +3.0% |
| 2 | ÖKK | CHF 685.00 | +1.5% |
| 3 | Galenos | CHF 697.40 | +0.1% |
| 4 | Sanitas | CHF 698.50 | +1.8% |
| 5 | Avenir | CHF 704.50 | +1.0% |
| 6 | Visana | CHF 706.20 | +1.9% |
| 7 | Agrisano | CHF 707.20 | +0.0% |
| 8 | Assura | CHF 709.70 | +5.3% |
| 9 | Concordia | CHF 715.00 | +1.0% |
| 10 | Helsana | CHF 729.00 | +10.3% |
Consistently cheap in the canton of Neuchâtel
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| Visana | 8.6 | 1 of 8 |
| Agrisano | 8.3 | 2 of 8 |
| Sanitas | 8.2 | 3 of 8 |
| Assura | 7.7 | 7 of 8 |
| Swica | 7.5 | 7 of 8 |
Visana is the most price-consistent health insurer in the canton of Neuchâtel in 2027.
How much each insurer raises premiums in the canton of Neuchâtel
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +5.6%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Agrisano | CHF 707 | +0.0% |
| Mutuel | CHF 730 | +0.1% |
| Galenos | CHF 697 | +0.1% |
| Concordia | CHF 715 | +1.0% |
| Avenir | CHF 704 | +1.0% |
| Philos | CHF 758 | +1.0% |
| ÖKK | CHF 685 | +1.5% |
| Sanitas | CHF 698 | +1.8% |
| Visana | CHF 706 | +1.9% |
| sana24 | CHF 755 | +2.1% |
| Atupri | CHF 676 | +3.0% |
| vita surselva | CHF 788 | +3.0% |
| EGK | CHF 764 | +3.0% |
| KPT | CHF 804 | +4.0% |
| rhenusana | CHF 795 | +4.0% |
| Vivao Sympany | CHF 835 | +5.2% |
| Assura | CHF 710 | +5.3% |
| CSS | CHF 741 | +6.0% |
| Swica | CHF 736 | +7.4% |
| Aquilana | CHF 741 | +8.0% |
| Helsana | CHF 729 | +10.3% |
Frequently asked questions
Which health insurer is cheapest in the canton of Neuchâtel in 2027?
For adults with a 2'500 deductible and accident cover, Sanitas (Telmed) is the cheapest at CHF 465.40 per month, across the whole canton. In the standard model with a 300 deductible it is Atupri at CHF 675.60.
How much are health insurance premiums rising in 2027 in the canton of Neuchâtel?
The standard premium for adults with a 300 deductible rises by +5.6% on average in the canton of Neuchâtel, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.