Health insurance Vaud: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Vaud costs CHF 456.00 per month in 2027 (Atupri, HMO, 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 Vaud 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 | AtupriHMO · HMO | CHF 456.00 | +3.2% |
| 2 | AssuraTelmed · MediTel | CHF 459.10 | new |
| 3 | SanitasTelmed · TelMed Basic | CHF 459.80 | new |
| 4 | Vivao SympanyAlternative · flexhelp24 | CHF 462.50 | +2.5% |
| 5 | SwicaAlternative · Favorit Medpharm | CHF 472.30 | +3.3% |
| 6 | sana24HMO · Managed Care | CHF 475.70 | +3.8% |
| 7 | VisanaHMO · Managed Care | CHF 476.90 | +0.0% |
| 8 | ConcordiaHMO · HMO | CHF 480.30 | +2.5% |
| 9 | CSSAlternative · Multimed | CHF 481.30 | +7.5% |
| 10 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 481.50 | +6.6% |
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 | Galenos | CHF 661.40 | +2.1% |
| 2 | Atupri | CHF 665.50 | +2.5% |
| 3 | ÖKK | CHF 678.00 | +2.7% |
| 4 | Vivao Sympany | CHF 691.00 | +1.3% |
| 5 | Sanitas | CHF 696.00 | +3.0% |
| 6 | Assura | CHF 699.20 | +4.5% |
| 7 | Concordia | CHF 703.50 | +2.0% |
| 8 | Aquilana | CHF 709.50 | +4.5% |
| 9 | Agrisano | CHF 711.60 | +3.5% |
| 10 | sana24 | CHF 718.00 | +3.1% |
Premium regions in the canton of Vaud
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: Philos (Telmed), CHF 431.10 per month
Municipalities in premium region 1 (117)
Aclens, Allaman, Arnex-sur-Nyon, Arzier-Le Muids, Aubonne, Ballens, Bassins, Begnins, Belmont-sur-Lausanne, Berolle, Bière, Blonay - Saint-Légier, Bogis-Bossey, Borex, Bougy-Villars, Bourg-en-Lavaux, Bremblens, Buchillon, Bursinel, Bursins, Burtigny, Bussigny, Chardonne, Chavannes-de-Bogis, Chavannes-des-Bois, Chavannes-près-Renens, Cheseaux-sur-Lausanne, Chexbres, Chigny, Chéserex, Clarmont, Coinsins, Commugny, Coppet, Corseaux, Corsier-sur-Vevey, Crans (VD), Crassier, Crissier, Denens, Denges, Duillier, Dully, Echandens, Echichens, Ecublens (VD), Epalinges, Essertines-sur-Rolle, Etoy, Eysins, Forel (Lavaux), Founex, Féchy, Genolier, Gilly, Gimel, Gingins, Givrins, Gland, Grens, Jongny, Jouxtens-Mézery, La Rippe, La Tour-de-Peilz, Lausanne, Lavigny, Le Mont-sur-Lausanne, Le Vaud, Lonay, Longirod, Luins, Lully (VD), Lussy-sur-Morges, Lutry, Marchissy, Mies, Mollens (VD), Mont-sur-Rolle, Montreux, Morges, Nyon, Paudex, Perroy, Prangins, Prilly, Préverenges, Puidoux, Pully, Renens (VD), Rivaz, Rolle, Romanel-sur-Lausanne, Romanel-sur-Morges, Saint-Cergue, Saint-George, Saint-Livres, Saint-Oyens, Saint-Prex, Saint-Saphorin (Lavaux), Saint-Sulpice (VD), Saubraz, Savigny, Signy-Avenex, Tannay, Tartegnin, Tolochenaz, Trélex, Vaux-sur-Morges, Vevey, Veytaux, Vich, Villars-Sainte-Croix, Villars-sous-Yens, Vinzel, Vufflens-le-Château, Vullierens, Yens
Municipalities in premium region 2 (183)
Agiez, Aigle, Arnex-sur-Orbe, Assens, Avenches, Ballaigues, Baulmes, Bavois, Belmont-sur-Yverdon, Bercher, Bettens, Bex, Bioley-Magnoux, Bofflens, Bonvillars, Bottens, Boulens, Bournens, Boussens, Bretigny-sur-Morrens, Bretonnières, Bullet, Bussy-sur-Moudon, Chamblon, Champagne, Champtauroz, Champvent, Chavannes-le-Chêne, Chavannes-le-Veyron, Chavannes-sur-Moudon, Chavornay, Cheseaux-Noréaz, Chessel, Chevilly, Chevroux, Château-d'Oex, Chêne-Pâquier, Concise, Corbeyrier, Corcelles-le-Jorat, Corcelles-près-Concise, Corcelles-près-Payerne, Cossonay, Cronay, Croy, Cuarnens, Cuarny, Cudrefin, Cugy (VD), Curtilles, Daillens, Dizy, Dompierre (VD), Donneloye, Démoret, Echallens, Eclépens, Ependes (VD), Essertines-sur-Yverdon, Etagnières, Faoug, Ferreyres, Fey, Fiez, Fontaines-sur-Grandson, Froideville, Giez, Gollion, Goumoëns, Grancy, Grandcour, Grandevent, Grandson, Gryon, Hautemorges, Henniez, Hermenches, Jorat-Menthue, Jorat-Mézières, Juriens, L'Abbaye, L'Abergement, L'Isle, La Chaux (Cossonay), La Praz, La Sarraz, Lavey-Morcles, Le Chenit, Le Lieu, Les Clées, Leysin, Lignerolle, Lovatens, Lucens, Lussery-Villars, Maracon, Mathod, Mauborget, Mauraz, Mex (VD), Missy, Moiry, Molondin, Mont-la-Ville, Montagny-près-Yverdon, Montanaire, Montcherand, Montilliez, Montpreveyres, Montricher, Morrens (VD), Moudon, Mutrux, Novalles, Noville, Ogens, Ollon, Onnens (VD), Oppens, Orbe, Orges, Ormont-Dessous, Ormont-Dessus, Orny, Oron, Orzens, Oulens-sous-Echallens, Pailly, Payerne, Penthalaz, Penthaz, Penthéréaz, Poliez-Pittet, Pompaples, Pomy, Premier, Provence, Prévonloup, Rances, Rennaz, Roche (VD), Romainmôtier-Envy, Ropraz, Rossenges, Rossinière, Rougemont, Rovray, Rueyres, Saint-Barthélemy (VD), Sainte-Croix, Senarclens, Sergey, Servion, Suchy, Sullens, Suscévaz, Syens, Trey, Treycovagnes, Treytorrens (Payerne), Tévenon, Ursins, Valbroye, Valeyres-sous-Montagny, Valeyres-sous-Rances, Valeyres-sous-Ursins, Vallorbe, Vaulion, Villars-Epeney, Villars-le-Comte, Villars-le-Terroir, Villarzel, Villeneuve (VD), Vuarrens, Vucherens, Vufflens-la-Ville, Vugelles-La Mothe, Vuiteboeuf, Vulliens, Vully-les-Lacs, Yverdon-les-Bains, Yvonand, Yvorne
Consistently cheap in the canton of Vaud
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 |
|---|---|---|
| Sanitas | 8.2 | 3 of 8 |
| Vivao Sympany | 8.2 | 7 of 8 |
| Atupri | 7.7 | 7 of 8 |
| Assura | 7.7 | 7 of 8 |
| Swica | 7.6 | 3 of 8 |
Sanitas is the most price-consistent health insurer in the canton of Vaud in 2027.
Cheapest last year, and now?
The cheapest tariff of 2026 in the 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 2 | AssuraFamily doctor · PharMed | CHF 380.40 | CHF 402.70 | +5.9%Market +3.1% | 2 of 21 |
How much each insurer raises premiums in the canton of Vaud
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: +3.3%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| KPT | CHF 708 | +0.0% |
| Visana | CHF 714 | +0.0% |
| Mutuel | CHF 700 | +0.5% |
| Swica | CHF 718 | +0.7% |
| Vivao Sympany | CHF 679 | +0.9% |
| Avenir | CHF 703 | +1.6% |
| vita surselva | CHF 707 | +1.7% |
| Concordia | CHF 686 | +2.0% |
| Philos | CHF 730 | +2.0% |
| Galenos | CHF 638 | +2.1% |
| ÖKK | CHF 662 | +2.6% |
| Sanitas | CHF 692 | +3.0% |
| sana24 | CHF 701 | +3.1% |
| Atupri | CHF 651 | +3.3% |
| Agrisano | CHF 682 | +3.5% |
| EGK | CHF 690 | +3.6% |
| Helsana | CHF 706 | +3.9% |
| rhenusana | CHF 765 | +4.0% |
| Assura | CHF 674 | +4.5% |
| Aquilana | CHF 692 | +4.5% |
| CSS | CHF 729 | +7.4% |
Frequently asked questions
Which health insurer is cheapest in the canton of Vaud in 2027?
For adults with a 2'500 deductible and accident cover, Atupri (HMO) is the cheapest at CHF 456.00 per month, in premium region 1. In the standard model with a 300 deductible it is Galenos at CHF 661.40.
How much are health insurance premiums rising in 2027 in the canton of Vaud?
The standard premium for adults with a 300 deductible rises by +3.3% on average in the canton of Vaud, 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.