Health insurance Zurich: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Zurich costs CHF 406.80 per month in 2027 (Atupri, HMO, deductible 2'500, in premium region 1 (Zürich)). 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 Zurich 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1 (Zürich). The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | AtupriHMO · HMO | CHF 406.80 | +4.5% |
| 2 | SanitasTelmed · TelMed Basic | CHF 412.50 | new |
| 3 | AssuraAlternative · QualiMed | CHF 413.10 | +4.7% |
| 4 | AvenirTelmed · SanaTel (Telemedizin) | CHF 424.40 | +3.0% |
| 5 | KPTTelmed · KPTwin.smart - Hausarzt mit App | CHF 428.50 | +3.1% |
| 6 | Vivao SympanyAlternative · flexhelp24 | CHF 428.50 | +7.2% |
| 7 | ConcordiaHMO · HMO | CHF 429.30 | +3.3% |
| 8 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 432.70 | +6.8% |
| 9 | SLKKTelmed · SmartMed | CHF 439.20 | +4.6% |
| 10 | CSSFamily doctor · Gesundheitspraxisversicherung | CHF 442.50 | +10.0% |
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 (Zürich).
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | SLKK | CHF 633.00 | +4.6% |
| 2 | Sumiswalder | CHF 634.80 | +4.0% |
| 3 | Sanitas | CHF 643.80 | +3.9% |
| 4 | Atupri | CHF 644.30 | +3.3% |
| 5 | KK Wädenswil | CHF 649.20 | +4.0% |
| 6 | EGK | CHF 652.00 | +3.9% |
| 7 | Concordia | CHF 652.10 | +2.5% |
| 8 | Vivao Sympany | CHF 655.00 | +5.5% |
| 9 | Assura | CHF 656.20 | +4.2% |
| 10 | Mutuel | CHF 661.60 | +3.4% |
Premium regions in the canton of Zurich
The canton is divided into 3 premium regions. The tables above apply to premium region 1 (Zürich). In the other regions, the cheapest insurer is:
- premium region 2: Atupri (HMO), CHF 367.40 per month
- premium region 3: SLKK (Telmed), CHF 338.90 per month
Municipalities in premium region 1 (1)
Zürich
Municipalities in premium region 2 (37)
Adliswil, Dietikon, Dietlikon, Dübendorf, Egg, Erlenbach (ZH), Fällanden, Greifensee, Herrliberg, Hombrechtikon, Horgen, Kilchberg (ZH), Kloten, Küsnacht (ZH), Maur, Meilen, Männedorf, Mönchaltorf, Oetwil am See, Opfikon, Regensdorf, Richterswil, Rümlang, Schlieren, Schwerzenbach, Stäfa, Thalwil, Uetikon am See, Urdorf, Uster, Volketswil, Wallisellen, Wangen-Brüttisellen, Winterthur, Wädenswil, Zollikon, Zumikon
Municipalities in premium region 3 (122)
Aesch (ZH), Aeugst am Albis, Affoltern am Albis, Altikon, Andelfingen, Bachenbülach, Bachs, Bassersdorf, Bauma, Benken (ZH), Berg am Irchel, Birmensdorf (ZH), Bonstetten, Boppelsen, Brütten, Bubikon, Buch am Irchel, Buchs (ZH), Bäretswil, Bülach, Dachsen, Dielsdorf, Dinhard, Dorf, Dägerlen, Dällikon, Dänikon, Dättlikon, Dürnten, Eglisau, Elgg, Ellikon an der Thur, Elsau, Embrach, Fehraltorf, Feuerthalen, Fischenthal, Flaach, Flurlingen, Freienstein-Teufen, Geroldswil, Glattfelden, Gossau (ZH), Grüningen, Hagenbuch, Hausen am Albis, Hedingen, Henggart, Hettlingen, Hinwil, Hittnau, Hochfelden, Höri, Hüntwangen, Hüttikon, Illnau-Effretikon, Kappel am Albis, Kleinandelfingen, Knonau, Langnau am Albis, Laufen-Uhwiesen, Lindau, Lufingen, Marthalen, Maschwanden, Mettmenstetten, Neerach, Neftenbach, Niederglatt, Niederhasli, Niederweningen, Nürensdorf, Oberembrach, Oberengstringen, Oberglatt, Oberrieden, Oberweningen, Obfelden, Oetwil an der Limmat, Ossingen, Otelfingen, Ottenbach, Pfungen, Pfäffikon, Rafz, Regensberg, Rheinau, Rickenbach (ZH), Rifferswil, Rorbas, Russikon, Rüschlikon, Rüti (ZH), Schlatt (ZH), Schleinikon, Schöfflisdorf, Seegräben, Seuzach, Stadel, Stallikon, Stammheim, Steinmaur, Thalheim an der Thur, Truttikon, Trüllikon, Turbenthal, Uitikon, Unterengstringen, Volken, Wald (ZH), Wasterkingen, Weiach, Weiningen (ZH), Weisslingen, Wettswil am Albis, Wetzikon (ZH), Wiesendangen, Wil (ZH), Wila, Wildberg, Winkel, Zell (ZH)
Consistently cheap in the canton of Zurich
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 |
|---|---|---|
| KPT | 8.6 | 3 of 8 |
| Vivao Sympany | 8.2 | 6 of 8 |
| Atupri | 7.8 | 5 of 8 |
| Sanitas | 7.7 | 3 of 8 |
| Assura | 7.7 | 7 of 8 |
KPT is the most price-consistent health insurer in the canton of Zurich 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 | AssuraFamily doctor · Qualimed | CHF 366.90 | CHF 384.20 | +4.7%Market +5.0% | 2 of 27 |
| Region 2 | AtupriHMO · HMO | CHF 329.90 | CHF 349.00 | +5.8%Market +5.3% | 3 of 27 |
How much each insurer raises premiums in the canton of Zurich
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: +5.4%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| vita surselva | CHF 614 | +1.1% |
| KK Steffisburg | CHF 652 | +2.0% |
| Einsiedler Krankenkasse | CHF 626 | +2.1% |
| sana24 | CHF 641 | +2.6% |
| Concordia | CHF 599 | +2.7% |
| KPT | CHF 611 | +2.8% |
| Visana | CHF 653 | +3.6% |
| Galenos | CHF 670 | +3.7% |
| Assura | CHF 593 | +3.8% |
| SLKK | CHF 571 | +3.8% |
| Atupri | CHF 592 | +3.9% |
| Sanitas | CHF 593 | +3.9% |
| Aquilana | CHF 613 | +4.0% |
| KK Wädenswil | CHF 571 | +4.0% |
| Sumiswalder | CHF 580 | +4.0% |
| Philos | CHF 669 | +4.1% |
| EGK | CHF 611 | +4.5% |
| Mutuel | CHF 637 | +5.0% |
| ÖKK | CHF 593 | +5.1% |
| Helsana | CHF 630 | +5.1% |
| Swica | CHF 629 | +6.0% |
| Agrisano | CHF 597 | +6.5% |
| Avenir | CHF 658 | +7.3% |
| Vivao Sympany | CHF 640 | +8.4% |
| rhenusana | CHF 606 | +9.1% |
| CSS | CHF 662 | +10.3% |
| KK Luzerner Hinterland | CHF 612 | +11.1% |
Frequently asked questions
Which health insurer is cheapest in the canton of Zurich in 2027?
For adults with a 2'500 deductible and accident cover, Atupri (HMO) is the cheapest at CHF 406.80 per month, in premium region 1 (Zürich). In the standard model with a 300 deductible it is SLKK at CHF 633.00.
How much are health insurance premiums rising in 2027 in the canton of Zurich?
The standard premium for adults with a 300 deductible rises by +5.4% on average in the canton of Zurich, 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.