Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 579.50 | CHF 481.00up to CHF 518.70 | CHF 515.80up to CHF 518.70 |
| Appenzell Inner Rhodes | CHF 543.00 | CHF 475.20up to CHF 486.00 | CHF 477.90up to CHF 486.00 |
| Appenzell Outer Rhodes | CHF 569.50 | CHF 498.40up to CHF 504.10 | CHF 501.20up to CHF 509.80 |
| Basel-City | CHF 688.10 | CHF 602.10up to CHF 615.90 | CHF 605.60up to CHF 615.90 |
| Basel-Country2 premium regions | CHF 659.80up to CHF 694.50 | CHF 577.40up to CHF 614.70 | CHF 580.70up to CHF 621.60 |
| Bern3 premium regions | CHF 582.40up to CHF 693.30 | CHF 509.60up to CHF 613.60 | CHF 512.50up to CHF 620.60 |
| Fribourg2 premium regions | CHF 592.40up to CHF 636.90 | CHF 479.80up to CHF 563.70 | CHF 494.60up to CHF 570.10 |
| Geneva | CHF 777.40 | CHF 633.60up to CHF 680.30 | CHF 664.70up to CHF 695.80 |
| Glarus | CHF 542.40 | CHF 485.50 | CHF 477.40up to CHF 485.50 |
| Graubünden3 premium regions | CHF 552.00up to CHF 581.00 | CHF 483.00up to CHF 520.00 | CHF 485.80up to CHF 520.00 |
| Jura | CHF 726.30 | CHF 635.60up to CHF 642.80 | CHF 639.20up to CHF 650.10 |
| Lucerne3 premium regions | CHF 525.70up to CHF 559.20 | CHF 460.00up to CHF 500.50 | CHF 446.90up to CHF 489.30 |
| Neuchâtel | CHF 697.50 | CHF 610.40up to CHF 617.30 | CHF 592.90up to CHF 613.80 |
| Nidwalden | CHF 522.80 | CHF 457.50up to CHF 468.00 | CHF 460.10up to CHF 468.00 |
| Obwalden | CHF 573.90 | CHF 508.00 | CHF 505.10up to CHF 513.70 |
| Schaffhausen2 premium regions | CHF 611.10up to CHF 650.10 | CHF 534.80up to CHF 581.90 | CHF 537.80up to CHF 581.90 |
| Schwyz | CHF 532.10 | CHF 465.60up to CHF 471.00 | CHF 468.30up to CHF 476.30 |
| Solothurn | CHF 642.80 | CHF 562.50up to CHF 568.90 | CHF 565.70up to CHF 575.40 |
| St. Gallen3 premium regions | CHF 538.80up to CHF 573.10 | CHF 471.40up to CHF 513.00 | CHF 474.10up to CHF 513.00 |
| Thurgau | CHF 557.60 | CHF 487.90up to CHF 499.10 | CHF 468.40up to CHF 490.70 |
| Ticino2 premium regions | CHF 715.50up to CHF 777.70 | CHF 633.30up to CHF 688.30 | CHF 629.70up to CHF 696.10 |
| Uri | CHF 537.60 | CHF 470.40up to CHF 481.20 | CHF 473.10up to CHF 481.20 |
| Valais2 premium regions | CHF 597.90up to CHF 622.80 | CHF 523.20up to CHF 551.20 | CHF 526.20up to CHF 557.50 |
| Vaud2 premium regions | CHF 667.00up to CHF 717.10 | CHF 580.30up to CHF 634.70 | CHF 556.90up to CHF 638.30 |
| Zug | CHF 411.80 | CHF 360.40up to CHF 368.60 | CHF 362.40up to CHF 368.60 |
| Zurich3 premium regions | CHF 591.10up to CHF 635.50 | CHF 517.20up to CHF 556.10 | CHF 502.40up to CHF 559.30 |
Each cell shows the lowest premium among the models of that type; “up to” = highest premium across premium regions and tariffs. Until 2026, telemedicine and other models cover all models that the FOPH lists as “other”. Source: FOPH, health insurance premiums 2026, opendata.swiss; localities © swisstopo; as of 25.09.2026
Total cost in the “healthy” scenario
Cheapest tariffs by canton
For each canton, the Avenir tariff with the lowest premium. Total cost per year with CHF 500 in healthcare costs (premium plus deductible and retention fee, as in the calculator); saving compared with the Avenir standard model in the same region.
Aargau
OptiMed
Premium / month
481.00
CHF
Total / year
CHF 6,092
Saving
−1,182
CHF / year
Appenzell Inner Rhodes
OptiMed
Premium / month
475.20
CHF
Total / year
CHF 6,022
Saving
−814
CHF / year
Appenzell Outer Rhodes
OptiMed
Premium / month
498.40
CHF
Total / year
CHF 6,301
Saving
−853
CHF / year
Basel-City
OptiMed
Premium / month
602.10
CHF
Total / year
CHF 7,545
Saving
−1,032
CHF / year
Basel-Country
OptiMed · region 2
Premium / month
577.40
CHF
Total / year
CHF 7,249
Saving
−989
CHF / year
Bern
OptiMed · region 3
Premium / month
509.60
CHF
Total / year
CHF 6,435
Saving
−874
CHF / year
Fribourg
OptiMed · region 2
Premium / month
479.80
CHF
Total / year
CHF 6,078
Saving
−1,351
CHF / year
Geneva
OptiMed
Premium / month
633.60
CHF
Total / year
CHF 7,923
Saving
−1,726
CHF / year
Glarus
PrimaFlex
Premium / month
477.40
CHF
Total / year
CHF 6,049
Saving
−780
CHF / year
Graubünden
OptiMed · region 3
Premium / month
483.00
CHF
Total / year
CHF 6,116
Saving
−828
CHF / year
Jura
OptiMed
Premium / month
635.60
CHF
Total / year
CHF 7,947
Saving
−1,088
CHF / year
Lucerne
SanaTel · region 3
Premium / month
446.90
CHF
Total / year
CHF 5,683
Saving
−946
CHF / year
Neuchâtel
SanaTel
Premium / month
592.90
CHF
Total / year
CHF 7,435
Saving
−1,255
CHF / year
Nidwalden
OptiMed
Premium / month
457.50
CHF
Total / year
CHF 5,810
Saving
−784
CHF / year
Obwalden
PrimaFlex
Premium / month
505.10
CHF
Total / year
CHF 6,381
Saving
−826
CHF / year
Schaffhausen
OptiMed · region 2
Premium / month
534.80
CHF
Total / year
CHF 6,738
Saving
−916
CHF / year
Schwyz
OptiMed
Premium / month
465.60
CHF
Total / year
CHF 5,907
Saving
−798
CHF / year
Solothurn
OptiMed
Premium / month
562.50
CHF
Total / year
CHF 7,070
Saving
−964
CHF / year
St. Gallen
OptiMed · region 3
Premium / month
471.40
CHF
Total / year
CHF 5,977
Saving
−809
CHF / year
Thurgau
SanaTel
Premium / month
468.40
CHF
Total / year
CHF 5,941
Saving
−1,070
CHF / year
Ticino
PrimaFlex · region 2
Premium / month
629.70
CHF
Total / year
CHF 7,876
Saving
−1,030
CHF / year
Uri
OptiMed
Premium / month
470.40
CHF
Total / year
CHF 5,965
Saving
−806
CHF / year
Valais
OptiMed · region 2
Premium / month
523.20
CHF
Total / year
CHF 6,598
Saving
−896
CHF / year
Vaud
PrimaFlex · region 2
Premium / month
556.90
CHF
Total / year
CHF 7,003
Saving
−1,321
CHF / year
Zug
OptiMed
Premium / month
360.40
CHF
Total / year
CHF 4,645
Saving
−617
CHF / year
Zurich
SanaTel · region 3
Premium / month
502.40
CHF
Total / year
CHF 6,349
Saving
−1,064
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 572.60 | CHF 579.50 | +1.2% | +4.7% |
| Appenzell Inner Rhodes | CHF 519.60 | CHF 543.00 | +4.5% | +3.3% |
| Appenzell Outer Rhodes | CHF 550.20 | CHF 569.50 | +3.5% | +4.2% |
| Basel-City | CHF 674.60 | CHF 688.10 | +2.0% | +1.7% |
| Basel-Country | CHF 660.00 | CHF 677.15 | +2.6% | +3.7% |
| Bern | CHF 605.40 | CHF 633.23 | +4.6% | +3.2% |
| Fribourg | CHF 611.60 | CHF 614.65 | +0.5% | +2.6% |
| Geneva | CHF 777.40 | CHF 777.40 | +0.0% | +1.0% |
| Glarus | CHF 521.50 | CHF 542.40 | +4.0% | +4.6% |
| Graubünden | CHF 531.17 | CHF 568.43 | +7.0% | +4.2% |
| Jura | CHF 693.00 | CHF 726.30 | +4.8% | +2.7% |
| Lucerne | CHF 519.23 | CHF 540.60 | +4.1% | +3.1% |
| Neuchâtel | CHF 659.80 | CHF 697.50 | +5.7% | +4.0% |
| Nidwalden | CHF 505.60 | CHF 522.80 | +3.4% | +2.4% |
| Obwalden | CHF 533.80 | CHF 573.90 | +7.5% | +4.3% |
| Schaffhausen | CHF 630.60 | CHF 630.60 | +0.0% | +2.4% |
| Schwyz | CHF 532.10 | CHF 532.10 | +0.0% | +4.0% |
| Solothurn | CHF 597.90 | CHF 642.80 | +7.5% | +4.4% |
| St. Gallen | CHF 530.90 | CHF 555.97 | +4.7% | +3.1% |
| Thurgau | CHF 539.70 | CHF 557.60 | +3.3% | +2.1% |
| Ticino | CHF 710.35 | CHF 746.60 | +5.1% | +5.7% |
| Uri | CHF 517.90 | CHF 537.60 | +3.8% | +4.6% |
| Valais | CHF 585.20 | CHF 610.35 | +4.3% | +4.2% |
| Vaud | CHF 671.85 | CHF 692.05 | +3.0% | +2.4% |
| Zug | CHF 492.50 | CHF 411.80 | −16.4% | −9.0% |
| Zurich | CHF 586.60 | CHF 613.30 | +4.6% | +3.8% |
Reference: the insurer’s lowest standard tariff, averaged across its premium regions in the canton (adults, CHF 300 deductible, with accident cover). Source: FOPH premiums for both years.
Frequently asked questions
How much are Avenir premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Avenir in 2026 ranges from CHF 411.80 (canton of Zug) to CHF 777.70 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Avenir offer?
In 2026, Avenir has premiums for 3 model types: 1 tariff of the Standard type, 2 tariffs of the GP/HMO type and 2 tariffs of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is Avenir more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 103.9 (100 = average of all insurers in the same regions; adults, standard model, CHF 300 deductible, with accident cover). This varies by canton; the table above shows every canton. For where you live, what counts is the comparison in the premium calculator.
Sources
- FOPH, register of approved health insurers, as of 01.01.2026priminfo.admin.ch
- FOPH, health insurance premiums 2011–2026 (opendata.swiss)opendata.swiss
- FOPH, supervisory data for compulsory health insurance (T 5.01), data as of 22.05.2025bag.admin.ch
- FOPH, KVG solvency test (KVD, reserves of health insurers)opendata.swiss
- Avenir: website (address), retrieved on 25.09.2026groupemutuel.ch
- Avenir: website (physician search), retrieved on 25.09.2026groupemutuel.ch