Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 563.00 | CHF 487.00up to CHF 501.10 | CHF 512.30 |
| Appenzell Inner Rhodes | CHF 435.00 | CHF 369.80up to CHF 391.50 | CHF 393.70 |
| Appenzell Outer Rhodes | CHF 559.00 | CHF 475.20up to CHF 503.10 | CHF 505.90 |
| Basel-City | CHF 684.00 | CHF 575.90up to CHF 608.80 | CHF 619.00 |
| Basel-Country2 premium regions | CHF 621.00up to CHF 664.00 | CHF 522.90up to CHF 591.00 | CHF 558.90up to CHF 600.90 |
| Bern3 premium regions | CHF 570.00up to CHF 683.00 | CHF 497.00up to CHF 607.90 | CHF 513.00up to CHF 614.70 |
| Fribourg2 premium regions | CHF 551.00up to CHF 607.00 | CHF 479.40up to CHF 528.10 | CHF 493.10up to CHF 546.30 |
| Geneva | CHF 743.00 | CHF 609.30up to CHF 646.40 | CHF 665.00 |
| Glarus | CHF 563.00 | CHF 501.10 | CHF 512.30 |
| Graubünden3 premium regions | CHF 503.00up to CHF 551.00 | CHF 427.60up to CHF 479.40 | CHF 455.20up to CHF 501.40 |
| Jura | CHF 670.00 | CHF 566.20up to CHF 596.30 | CHF 609.70 |
| Lucerne3 premium regions | CHF 507.00up to CHF 564.00 | CHF 438.60up to CHF 493.50 | CHF 458.80up to CHF 518.90 |
| Neuchâtel | CHF 699.00 | CHF 594.20up to CHF 611.60 | CHF 629.10 |
| Nidwalden | CHF 507.00 | CHF 443.60up to CHF 446.20 | CHF 448.70 |
| Obwalden | CHF 496.00 | CHF 434.00up to CHF 436.50 | CHF 443.90 |
| Schaffhausen2 premium regions | CHF 588.00up to CHF 615.00 | CHF 514.50up to CHF 535.10 | CHF 523.30up to CHF 550.40 |
| Schwyz | CHF 515.00 | CHF 445.50up to CHF 460.90 | CHF 463.50 |
| Solothurn | CHF 606.00 | CHF 516.30up to CHF 524.20 | CHF 551.50 |
| St. Gallen3 premium regions | CHF 516.00up to CHF 572.00 | CHF 444.40up to CHF 497.60 | CHF 461.80up to CHF 517.70 |
| Thurgau | CHF 541.00 | CHF 459.90up to CHF 478.80 | CHF 489.60 |
| Ticino2 premium regions | CHF 705.00up to CHF 744.00 | CHF 609.80up to CHF 651.00 | CHF 638.00up to CHF 680.80 |
| Uri | CHF 480.00 | CHF 400.80up to CHF 428.60 | CHF 436.80 |
| Valais2 premium regions | CHF 520.00up to CHF 581.00 | CHF 447.20up to CHF 505.50 | CHF 468.00up to CHF 520.00 |
| Vaud2 premium regions | CHF 660.00up to CHF 698.00 | CHF 554.40up to CHF 600.30 | CHF 600.60up to CHF 638.70 |
| Zug | CHF 428.00 | CHF 361.70up to CHF 383.10 | CHF 385.20 |
| Zurich3 premium regions | CHF 559.00up to CHF 651.00 | CHF 472.40up to CHF 582.60 | CHF 505.90up to CHF 592.40 |
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 CSS 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 CSS standard model in the same region.
Aargau
Hausarztversicherung Profit
Premium / month
487.00
CHF
Total / year
CHF 6,164
Saving
−912
CHF / year
Appenzell Inner Rhodes
Health practice insurance
Premium / month
369.80
CHF
Total / year
CHF 4,758
Saving
−782
CHF / year
Appenzell Outer Rhodes
Health practice insurance
Premium / month
475.20
CHF
Total / year
CHF 6,022
Saving
−1,006
CHF / year
Basel-City
Health practice insurance
Premium / month
575.90
CHF
Total / year
CHF 7,231
Saving
−1,297
CHF / year
Basel-Country
Health practice insurance · region 2
Premium / month
522.90
CHF
Total / year
CHF 6,595
Saving
−1,177
CHF / year
Bern
Hausarztversicherung Profit · region 3
Premium / month
497.00
CHF
Total / year
CHF 6,284
Saving
−876
CHF / year
Fribourg
Hausarztversicherung Profit · region 2
Premium / month
479.40
CHF
Total / year
CHF 6,073
Saving
−859
CHF / year
Geneva
Hausarztversicherung Profit
Premium / month
609.30
CHF
Total / year
CHF 7,632
Saving
−1,604
CHF / year
Glarus
Health practice insurance
Premium / month
501.10
CHF
Total / year
CHF 6,333
Saving
−743
CHF / year
Graubünden
Health practice insurance · region 3
Premium / month
427.60
CHF
Total / year
CHF 5,451
Saving
−905
CHF / year
Jura
Health practice insurance
Premium / month
566.20
CHF
Total / year
CHF 7,114
Saving
−1,246
CHF / year
Lucerne
Hausarztversicherung Profit · region 3
Premium / month
438.60
CHF
Total / year
CHF 5,583
Saving
−821
CHF / year
Neuchâtel
Hausarztversicherung Profit
Premium / month
594.20
CHF
Total / year
CHF 7,450
Saving
−1,258
CHF / year
Nidwalden
Health practice insurance
Premium / month
443.60
CHF
Total / year
CHF 5,643
Saving
−761
CHF / year
Obwalden
Hausarztversicherung Profit
Premium / month
434.00
CHF
Total / year
CHF 5,528
Saving
−744
CHF / year
Schaffhausen
Health practice insurance · region 2
Premium / month
514.50
CHF
Total / year
CHF 6,494
Saving
−882
CHF / year
Schwyz
Health practice insurance
Premium / month
445.50
CHF
Total / year
CHF 5,666
Saving
−834
CHF / year
Solothurn
Hausarztversicherung Profit
Premium / month
516.30
CHF
Total / year
CHF 6,516
Saving
−1,076
CHF / year
St. Gallen
Health practice insurance · region 2
Premium / month
444.40
CHF
Total / year
CHF 5,653
Saving
−1,015
CHF / year
Thurgau
Health practice insurance
Premium / month
459.90
CHF
Total / year
CHF 5,839
Saving
−973
CHF / year
Ticino
Hausarztversicherung Profit · region 2
Premium / month
609.80
CHF
Total / year
CHF 7,638
Saving
−1,142
CHF / year
Uri
Health practice insurance
Premium / month
400.80
CHF
Total / year
CHF 5,130
Saving
−950
CHF / year
Valais
Hausarztversicherung Profit · region 2
Premium / month
447.20
CHF
Total / year
CHF 5,686
Saving
−874
CHF / year
Vaud
Hausarztversicherung Profit · region 2
Premium / month
554.40
CHF
Total / year
CHF 6,973
Saving
−1,267
CHF / year
Zug
Health practice insurance
Premium / month
361.70
CHF
Total / year
CHF 4,660
Saving
−796
CHF / year
Zurich
Hausarztversicherung Profit · region 3
Premium / month
472.40
CHF
Total / year
CHF 5,989
Saving
−1,039
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 545.00 | CHF 563.00 | +3.3% | +4.7% |
| Appenzell Inner Rhodes | CHF 431.00 | CHF 435.00 | +0.9% | +3.3% |
| Appenzell Outer Rhodes | CHF 528.00 | CHF 559.00 | +5.9% | +4.2% |
| Basel-City | CHF 677.00 | CHF 684.00 | +1.0% | +1.7% |
| Basel-Country | CHF 628.00 | CHF 642.50 | +2.3% | +3.7% |
| Bern | CHF 599.00 | CHF 620.33 | +3.6% | +3.2% |
| Fribourg | CHF 570.50 | CHF 579.00 | +1.5% | +2.6% |
| Geneva | CHF 734.00 | CHF 743.00 | +1.2% | +1.0% |
| Glarus | CHF 528.00 | CHF 563.00 | +6.6% | +4.6% |
| Graubünden | CHF 503.00 | CHF 527.67 | +4.9% | +4.2% |
| Jura | CHF 647.00 | CHF 670.00 | +3.6% | +2.7% |
| Lucerne | CHF 519.67 | CHF 533.33 | +2.6% | +3.1% |
| Neuchâtel | CHF 689.00 | CHF 699.00 | +1.5% | +4.0% |
| Nidwalden | CHF 490.00 | CHF 507.00 | +3.5% | +2.4% |
| Obwalden | CHF 487.00 | CHF 496.00 | +1.8% | +4.3% |
| Schaffhausen | CHF 575.00 | CHF 601.50 | +4.6% | +2.4% |
| Schwyz | CHF 502.00 | CHF 515.00 | +2.6% | +4.0% |
| Solothurn | CHF 583.00 | CHF 606.00 | +3.9% | +4.4% |
| St. Gallen | CHF 525.67 | CHF 539.00 | +2.5% | +3.1% |
| Thurgau | CHF 532.00 | CHF 541.00 | +1.7% | +2.1% |
| Ticino | CHF 689.00 | CHF 724.50 | +5.2% | +5.7% |
| Uri | CHF 460.00 | CHF 480.00 | +4.3% | +4.6% |
| Valais | CHF 538.00 | CHF 550.50 | +2.3% | +4.2% |
| Vaud | CHF 656.50 | CHF 679.00 | +3.4% | +2.4% |
| Zug | CHF 485.00 | CHF 428.00 | −11.8% | −9.0% |
| Zurich | CHF 579.67 | CHF 600.33 | +3.6% | +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 CSS premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at CSS in 2026 ranges from CHF 428.00 (canton of Zug) to CHF 744.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does CSS offer?
In 2026, CSS has premiums for 3 model types: 1 tariff of the Standard type, 3 tariffs of the GP/HMO type and 1 tariff of the Telemedicine and other type. Which of them apply where you live depends on the catchment area.
Is CSS more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 99.3 (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
- CSS: website (address), retrieved on 25.09.2026css.ch
- CSS: website (physician search), retrieved on 25.09.2026css.ch
- CSS: website (contact), retrieved on 25.09.2026css.ch