Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 576.00 | CHF 489.60up to CHF 518.40 | CHF 483.80up to CHF 529.90 |
| Appenzell Inner Rhodes | CHF 494.00 | CHF 419.90up to CHF 449.50 | CHF 419.90up to CHF 454.40 |
| Appenzell Outer Rhodes | CHF 551.00 | CHF 468.30up to CHF 501.40 | CHF 468.30up to CHF 506.90 |
| Basel-City | CHF 684.00 | CHF 581.40up to CHF 622.40 | CHF 595.00up to CHF 629.20 |
| Basel-Country2 premium regions | CHF 625.00up to CHF 681.00 | CHF 531.20up to CHF 619.70 | CHF 543.70up to CHF 626.50 |
| Bern3 premium regions | CHF 569.00up to CHF 631.00 | CHF 489.30up to CHF 574.20 | CHF 483.60up to CHF 580.50 |
| Fribourg2 premium regions | CHF 562.00up to CHF 577.00 | CHF 488.90up to CHF 525.00 | CHF 477.70up to CHF 530.80 |
| Geneva | CHF 722.00 | CHF 613.70up to CHF 657.00 | CHF 613.70up to CHF 664.20 |
| Glarus | CHF 542.00 | CHF 466.10up to CHF 493.20 | CHF 466.10up to CHF 498.60 |
| Graubünden3 premium regions | CHF 526.00up to CHF 557.00 | CHF 447.10up to CHF 506.80 | CHF 441.80up to CHF 512.40 |
| Jura | CHF 681.00 | CHF 585.60up to CHF 619.70 | CHF 578.80up to CHF 626.50 |
| Lucerne3 premium regions | CHF 536.00up to CHF 562.00 | CHF 458.60up to CHF 511.40 | CHF 450.20up to CHF 517.00 |
| Neuchâtel | CHF 661.00 | CHF 575.00up to CHF 601.50 | CHF 568.40up to CHF 608.10 |
| Nidwalden | CHF 511.00 | CHF 439.40up to CHF 465.00 | CHF 434.30up to CHF 470.10 |
| Obwalden | CHF 505.00 | CHF 434.30up to CHF 459.50 | CHF 429.20up to CHF 464.60 |
| Schaffhausen2 premium regions | CHF 559.00up to CHF 578.00 | CHF 486.30up to CHF 525.90 | CHF 491.30up to CHF 531.70 |
| Schwyz | CHF 544.00 | CHF 462.40up to CHF 495.00 | CHF 462.40up to CHF 500.40 |
| Solothurn | CHF 582.00 | CHF 506.30up to CHF 529.60 | CHF 506.30up to CHF 535.40 |
| St. Gallen3 premium regions | CHF 526.00up to CHF 569.00 | CHF 441.80up to CHF 517.70 | CHF 462.80up to CHF 523.40 |
| Thurgau | CHF 558.00 | CHF 474.30up to CHF 507.70 | CHF 474.30up to CHF 513.30 |
| Ticino2 premium regions | CHF 658.00up to CHF 749.00 | CHF 565.80up to CHF 681.50 | CHF 572.40up to CHF 689.00 |
| Uri | CHF 508.00 | CHF 431.80up to CHF 462.20 | CHF 431.80up to CHF 467.30 |
| Valais2 premium regions | CHF 518.00up to CHF 593.00 | CHF 440.30up to CHF 539.60 | CHF 440.30up to CHF 545.50 |
| Vaud2 premium regions | CHF 659.00up to CHF 699.00 | CHF 560.10up to CHF 636.00 | CHF 560.10up to CHF 643.00 |
| Zug | CHF 430.00 | CHF 365.50up to CHF 391.30 | CHF 365.50up to CHF 395.60 |
| Zurich3 premium regions | CHF 560.00up to CHF 643.00 | CHF 464.80up to CHF 585.10 | CHF 476.00up to CHF 591.50 |
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 Helsana 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 Helsana standard model in the same region.
Aargau
BeneFit PLUS Telmed
Premium / month
483.80
CHF
Total / year
CHF 6,126
Saving
−1,106
CHF / year
Appenzell Inner Rhodes
BeneFit PLUS Hausarzt R1
Premium / month
419.90
CHF
Total / year
CHF 5,359
Saving
−889
CHF / year
Appenzell Outer Rhodes
BeneFit PLUS Hausarzt R1
Premium / month
468.30
CHF
Total / year
CHF 5,940
Saving
−992
CHF / year
Basel-City
BeneFit PLUS Hausarzt R1
Premium / month
581.40
CHF
Total / year
CHF 7,297
Saving
−1,231
CHF / year
Basel-Country
BeneFit PLUS Hausarzt R1 · region 2
Premium / month
531.20
CHF
Total / year
CHF 6,694
Saving
−1,126
CHF / year
Bern
BeneFit PLUS Telmed · region 3
Premium / month
483.60
CHF
Total / year
CHF 6,123
Saving
−1,025
CHF / year
Fribourg
BeneFit PLUS Telmed · region 2
Premium / month
477.70
CHF
Total / year
CHF 6,052
Saving
−1,012
CHF / year
Geneva
BeneFit PLUS Hausarzt R1
Premium / month
613.70
CHF
Total / year
CHF 7,684
Saving
−1,300
CHF / year
Glarus
BeneFit PLUS Hausarzt R2
Premium / month
466.10
CHF
Total / year
CHF 5,913
Saving
−911
CHF / year
Graubünden
BeneFit PLUS Telmed · region 3
Premium / month
441.80
CHF
Total / year
CHF 5,622
Saving
−1,010
CHF / year
Jura
BeneFit PLUS Telmed
Premium / month
578.80
CHF
Total / year
CHF 7,266
Saving
−1,226
CHF / year
Lucerne
BeneFit PLUS Telmed · region 3
Premium / month
450.20
CHF
Total / year
CHF 5,722
Saving
−1,030
CHF / year
Neuchâtel
BeneFit PLUS Telmed
Premium / month
568.40
CHF
Total / year
CHF 7,141
Saving
−1,111
CHF / year
Nidwalden
BeneFit PLUS Telmed
Premium / month
434.30
CHF
Total / year
CHF 5,532
Saving
−920
CHF / year
Obwalden
BeneFit PLUS Telmed
Premium / month
429.20
CHF
Total / year
CHF 5,470
Saving
−910
CHF / year
Schaffhausen
BeneFit PLUS Hausarzt R2 · region 1
Premium / month
486.30
CHF
Total / year
CHF 6,156
Saving
−872
CHF / year
Schwyz
BeneFit PLUS Hausarzt R2
Premium / month
462.40
CHF
Total / year
CHF 5,869
Saving
−979
CHF / year
Solothurn
BeneFit PLUS Hausarzt R3
Premium / month
506.30
CHF
Total / year
CHF 6,396
Saving
−908
CHF / year
St. Gallen
BeneFit PLUS Hausarzt R1 · region 3
Premium / month
441.80
CHF
Total / year
CHF 5,622
Saving
−1,010
CHF / year
Thurgau
BeneFit PLUS Hausarzt R1
Premium / month
474.30
CHF
Total / year
CHF 6,012
Saving
−1,004
CHF / year
Ticino
BeneFit PLUS Hausarzt R2 · region 2
Premium / month
565.80
CHF
Total / year
CHF 7,110
Saving
−1,106
CHF / year
Uri
BeneFit PLUS Hausarzt R1
Premium / month
431.80
CHF
Total / year
CHF 5,502
Saving
−914
CHF / year
Valais
BeneFit PLUS Hausarzt R1 · region 2
Premium / month
440.30
CHF
Total / year
CHF 5,604
Saving
−932
CHF / year
Vaud
BeneFit PLUS Hausarzt R1 · region 2
Premium / month
560.10
CHF
Total / year
CHF 7,041
Saving
−1,187
CHF / year
Zug
BeneFit PLUS Hausarzt R1
Premium / month
365.50
CHF
Total / year
CHF 4,706
Saving
−774
CHF / year
Zurich
BeneFit PLUS Hausarzt R1 · region 3
Premium / month
464.80
CHF
Total / year
CHF 5,898
Saving
−1,142
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 547.00 | CHF 576.00 | +5.3% | +4.7% |
| Appenzell Inner Rhodes | CHF 494.00 | CHF 494.00 | +0.0% | +3.3% |
| Appenzell Outer Rhodes | CHF 508.00 | CHF 551.00 | +8.5% | +4.2% |
| Basel-City | CHF 657.00 | CHF 684.00 | +4.1% | +1.7% |
| Basel-Country | CHF 623.00 | CHF 653.00 | +4.8% | +3.7% |
| Bern | CHF 571.33 | CHF 599.33 | +4.9% | +3.2% |
| Fribourg | CHF 557.50 | CHF 569.50 | +2.2% | +2.6% |
| Geneva | CHF 698.00 | CHF 722.00 | +3.4% | +1.0% |
| Glarus | CHF 506.00 | CHF 542.00 | +7.1% | +4.6% |
| Graubünden | CHF 531.33 | CHF 538.67 | +1.4% | +4.2% |
| Jura | CHF 648.00 | CHF 681.00 | +5.1% | +2.7% |
| Lucerne | CHF 524.33 | CHF 548.00 | +4.5% | +3.1% |
| Neuchâtel | CHF 639.00 | CHF 661.00 | +3.4% | +4.0% |
| Nidwalden | CHF 506.00 | CHF 511.00 | +1.0% | +2.4% |
| Obwalden | CHF 515.00 | CHF 505.00 | −1.9% | +4.3% |
| Schaffhausen | CHF 551.00 | CHF 568.50 | +3.2% | +2.4% |
| Schwyz | CHF 507.00 | CHF 544.00 | +7.3% | +4.0% |
| Solothurn | CHF 551.00 | CHF 582.00 | +5.6% | +4.4% |
| St. Gallen | CHF 519.00 | CHF 547.00 | +5.4% | +3.1% |
| Thurgau | CHF 536.00 | CHF 558.00 | +4.1% | +2.1% |
| Ticino | CHF 655.00 | CHF 703.50 | +7.4% | +5.7% |
| Uri | CHF 480.00 | CHF 508.00 | +5.8% | +4.6% |
| Valais | CHF 538.50 | CHF 555.50 | +3.2% | +4.2% |
| Vaud | CHF 626.00 | CHF 679.00 | +8.5% | +2.4% |
| Zug | CHF 513.00 | CHF 430.00 | −16.2% | −9.0% |
| Zurich | CHF 557.67 | CHF 599.33 | +7.5% | +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 Helsana premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Helsana in 2026 ranges from CHF 430.00 (canton of Zug) to CHF 749.00 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Helsana offer?
In 2026, Helsana has premiums for 3 model types: 1 tariff of the Standard type, 6 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 Helsana more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 99.6 (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
- Helsana: website (address), retrieved on 25.09.2026helsana.ch
- Helsana: website (physician search), retrieved on 25.09.2026helsana.ch
- Helsana: website (contact), retrieved on 25.09.2026helsana.ch