Health insurance Ticino: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Ticino costs CHF 505.80 per month in 2027 (Agrisano, Telmed, deductible 2'500, in premium region 1). 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 Ticino 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | AgrisanoTelmed · AGRIsmart | CHF 505.80 | +6.8% |
| 2 | ConcordiaHMO · HMO | CHF 506.60 | +4.4% |
| 3 | KPTHMO · KPTwin.plus - HMO-Hausarzt | CHF 508.60 | +4.9% |
| 4 | AquilanaTelmed · SMARTMED | CHF 513.60 | +5.5% |
| 5 | AssuraAlternative · QualiMed | CHF 514.20 | +5.0% |
| 6 | EGKTelmed · EGK-TelCare | CHF 518.60 | +2.8% |
| 7 | SanitasTelmed · TelMed Basic | CHF 518.60 | new |
| 8 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 521.80 | +2.7% |
| 9 | CSSAlternative · Multimed | CHF 525.20 | +2.7% |
| 10 | SwicaAlternative · Favorit Medpharm | CHF 526.90 | −2.6% |
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, in premium region 1.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | Agrisano | CHF 713.00 | +5.0% |
| 2 | Galenos | CHF 726.60 | +5.0% |
| 3 | Aquilana | CHF 732.50 | +5.0% |
| 4 | ÖKK | CHF 744.00 | +1.5% |
| 5 | vita surselva | CHF 749.00 | +4.5% |
| 6 | Atupri | CHF 749.90 | +2.5% |
| 7 | Concordia | CHF 751.30 | +3.5% |
| 8 | Sanitas | CHF 752.20 | +3.6% |
| 9 | Helsana | CHF 756.00 | +0.9% |
| 10 | EGK | CHF 756.50 | +2.2% |
Premium regions in the canton of Ticino
The canton is divided into 2 premium regions. The tables above apply to premium region 1. In the other regions, the cheapest insurer is:
- premium region 2: Sanitas (Family doctor), CHF 457.75 per month
Municipalities in premium region 1 (70)
Agno, Alto Malcantone, Aranno, Arbedo-Castione, Arogno, Ascona, Balerna, Bedano, Bellinzona, Bioggio, Bissone, Breggia, Brissago, Brusino Arsizio, Cademario, Cadempino, Cadenazzo, Canobbio, Capriasca, Caslano, Castel San Pietro, Chiasso, Coldrerio, Collina d'Oro, Comano, Cureglia, Gambarogno, Grancia, Gravesano, Isone, Lamone, Lema, Locarno, Losone, Lugano, Lumino, Magliaso, Manno, Massagno, Melide, Mendrisio, Mezzovico-Vira, Minusio, Monteceneri, Morbio Inferiore, Morcote, Muralto, Muzzano, Neggio, Novazzano, Origlio, Orselina, Paradiso, Ponte Capriasca, Porza, Pura, Riva San Vitale, Ronco sopra Ascona, Sant'Antonino, Savosa, Sorengo, Stabio, Tenero-Contra, Torricella-Taverne, Tresa, Vacallo, Val Mara, Vernate, Vezia, Vico Morcote
Municipalities in premium region 2 (30)
Acquarossa, Airolo, Avegno Gordevio, Bedretto, Biasca, Blenio, Bosco/Gurin, Brione sopra Minusio, Campo (Vallemaggia), Centovalli, Cerentino, Cevio, Cugnasco-Gerra, Dalpe, Faido, Giornico, Gordola, Lavertezzo, Lavizzara, Linescio, Maggia, Mergoscia, Onsernone, Personico, Pollegio, Quinto, Riviera, Serravalle, Terre di Pedemonte, Verzasca
Consistently cheap in the canton of Ticino
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 |
|---|---|---|
| Concordia | 9.5 | 6 of 8 |
| Agrisano | 8.9 | 3 of 8 |
| KPT | 8.6 | 5 of 8 |
| Aquilana | 8.6 | 4 of 8 |
| Assura | 7.7 | 6 of 8 |
Concordia is the most price-consistent health insurer in the canton of Ticino in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in each premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| Region 1 | AgrisanoTelmed · AGRIsmart | CHF 449.90 | CHF 480.50 | +6.8%Market +4.9% | 5 of 21 |
| Region 2 | HelsanaFamily doctor · BeneFit PLUS Hausarzt R2 | CHF 406.90 | CHF 435.60 | +7.1%Market +5.4% | 6 of 21 |
How much each insurer raises premiums in the canton of Ticino
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: +3.6%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Swica | CHF 795 | −2.1% |
| ÖKK | CHF 706 | +1.4% |
| Sanitas | CHF 713 | +1.8% |
| Helsana | CHF 717 | +2.0% |
| EGK | CHF 734 | +2.5% |
| Atupri | CHF 725 | +2.5% |
| vita surselva | CHF 720 | +3.0% |
| Concordia | CHF 726 | +3.5% |
| Philos | CHF 779 | +4.0% |
| Assura | CHF 730 | +4.0% |
| KPT | CHF 733 | +4.0% |
| rhenusana | CHF 760 | +4.0% |
| Mutuel | CHF 783 | +4.0% |
| Visana | CHF 832 | +4.8% |
| Galenos | CHF 707 | +5.0% |
| Agrisano | CHF 686 | +5.0% |
| Aquilana | CHF 722 | +5.0% |
| Avenir | CHF 793 | +6.2% |
| CSS | CHF 776 | +7.0% |
| sana24 | CHF 779 | +7.9% |
| Vivao Sympany | CHF 802 | +9.0% |
Frequently asked questions
Which health insurer is cheapest in the canton of Ticino in 2027?
For adults with a 2'500 deductible and accident cover, Agrisano (Telmed) is the cheapest at CHF 505.80 per month, in premium region 1. In the standard model with a 300 deductible it is Agrisano at CHF 713.00.
How much are health insurance premiums rising in 2027 in the canton of Ticino?
The standard premium for adults with a 300 deductible rises by +3.6% on average in the canton of Ticino, 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.