Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 602.60 | CHF 530.30up to CHF 548.40 | CHF 500.20up to CHF 512.30 |
| Appenzell Inner Rhodes | CHF 482.50 | CHF 424.60up to CHF 439.10 | CHF 422.20up to CHF 425.90 |
| Appenzell Outer Rhodes | CHF 634.60 | CHF 558.50up to CHF 577.50 | CHF 560.10up to CHF 568.00 |
| Basel-City | CHF 694.20 | CHF 610.90up to CHF 631.80 | CHF 593.60up to CHF 604.00 |
| Basel-Country2 premium regions | CHF 629.30up to CHF 669.40 | CHF 553.80up to CHF 609.20 | CHF 538.00up to CHF 590.80 |
| Bern3 premium regions | CHF 604.60up to CHF 687.00 | CHF 532.10up to CHF 625.20 | CHF 529.00up to CHF 606.30 |
| Fribourg2 premium regions | CHF 609.90up to CHF 645.30 | CHF 512.30up to CHF 587.30 | CHF 521.40up to CHF 577.60 |
| Geneva | CHF 752.20 | CHF 624.40up to CHF 684.60 | CHF 646.90up to CHF 652.60 |
| Glarus | CHF 539.90 | CHF 491.40 | CHF 476.50up to CHF 483.30 |
| Graubünden3 premium regions | CHF 520.60up to CHF 548.00 | CHF 458.20up to CHF 498.70 | CHF 455.60up to CHF 483.70 |
| Jura | CHF 672.50 | CHF 591.80up to CHF 612.00 | CHF 591.80up to CHF 593.50 |
| Lucerne3 premium regions | CHF 595.80up to CHF 640.60 | CHF 524.30up to CHF 583.00 | CHF 521.30up to CHF 565.40 |
| Neuchâtel | CHF 729.80 | CHF 642.30up to CHF 664.20 | CHF 624.00up to CHF 644.10 |
| Nidwalden | CHF 581.10 | CHF 511.40up to CHF 528.90 | CHF 512.90up to CHF 520.10 |
| Obwalden | CHF 500.90 | CHF 455.90 | CHF 442.10up to CHF 448.40 |
| Schaffhausen2 premium regions | CHF 599.40up to CHF 630.90 | CHF 527.50up to CHF 574.20 | CHF 529.00up to CHF 564.70 |
| Schwyz | CHF 514.70 | CHF 453.00up to CHF 468.40 | CHF 454.30up to CHF 460.70 |
| Solothurn | CHF 610.00 | CHF 536.80up to CHF 555.10 | CHF 509.40up to CHF 533.80 |
| St. Gallen3 premium regions | CHF 530.60up to CHF 602.90 | CHF 466.90up to CHF 548.70 | CHF 464.30up to CHF 532.10 |
| Thurgau | CHF 555.10 | CHF 488.50up to CHF 505.20 | CHF 489.90up to CHF 496.90 |
| Ticino2 premium regions | CHF 733.80up to CHF 772.40 | CHF 667.80up to CHF 702.90 | CHF 649.40up to CHF 689.40 |
| Uri | CHF 551.20 | CHF 485.10up to CHF 501.60 | CHF 482.30up to CHF 486.50 |
| Valais2 premium regions | CHF 569.10up to CHF 599.00 | CHF 500.80up to CHF 545.10 | CHF 478.10up to CHF 528.70 |
| Vaud2 premium regions | CHF 675.00up to CHF 718.00 | CHF 594.00up to CHF 653.40 | CHF 580.50up to CHF 633.70 |
| Zug | CHF 416.00 | CHF 366.10up to CHF 378.60 | CHF 364.00up to CHF 367.20 |
| Zurich3 premium regions | CHF 569.50up to CHF 639.80 | CHF 501.10up to CHF 582.30 | CHF 492.60up to CHF 564.70 |
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 Mutuel 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 Mutuel standard model in the same region.
Aargau
SanaTel
Premium / month
500.20
CHF
Total / year
CHF 6,322
Saving
−1,229
CHF / year
Appenzell Inner Rhodes
SanaTel
Premium / month
422.20
CHF
Total / year
CHF 5,386
Saving
−724
CHF / year
Appenzell Outer Rhodes
OptiMed
Premium / month
558.50
CHF
Total / year
CHF 7,022
Saving
−913
CHF / year
Basel-City
SanaTel
Premium / month
593.60
CHF
Total / year
CHF 7,443
Saving
−1,207
CHF / year
Basel-Country
SanaTel · region 2
Premium / month
538.00
CHF
Total / year
CHF 6,776
Saving
−1,096
CHF / year
Bern
SanaTel · region 3
Premium / month
529.00
CHF
Total / year
CHF 6,668
Saving
−907
CHF / year
Fribourg
OptiMed · region 2
Premium / month
512.30
CHF
Total / year
CHF 6,468
Saving
−1,171
CHF / year
Geneva
OptiMed
Premium / month
624.40
CHF
Total / year
CHF 7,813
Saving
−1,534
CHF / year
Glarus
PrimaFlex
Premium / month
476.50
CHF
Total / year
CHF 6,038
Saving
−761
CHF / year
Graubünden
SanaTel · region 3
Premium / month
455.60
CHF
Total / year
CHF 5,787
Saving
−780
CHF / year
Jura
OptiMed
Premium / month
591.80
CHF
Total / year
CHF 7,422
Saving
−968
CHF / year
Lucerne
SanaTel · region 3
Premium / month
521.30
CHF
Total / year
CHF 6,576
Saving
−894
CHF / year
Neuchâtel
SanaTel
Premium / month
624.00
CHF
Total / year
CHF 7,808
Saving
−1,270
CHF / year
Nidwalden
OptiMed
Premium / month
511.40
CHF
Total / year
CHF 6,457
Saving
−836
CHF / year
Obwalden
PrimaFlex
Premium / month
442.10
CHF
Total / year
CHF 5,625
Saving
−706
CHF / year
Schaffhausen
OptiMed · region 2
Premium / month
527.50
CHF
Total / year
CHF 6,650
Saving
−863
CHF / year
Schwyz
OptiMed
Premium / month
453.00
CHF
Total / year
CHF 5,756
Saving
−740
CHF / year
Solothurn
SanaTel
Premium / month
509.40
CHF
Total / year
CHF 6,433
Saving
−1,207
CHF / year
St. Gallen
SanaTel · region 3
Premium / month
464.30
CHF
Total / year
CHF 5,892
Saving
−796
CHF / year
Thurgau
OptiMed
Premium / month
488.50
CHF
Total / year
CHF 6,182
Saving
−799
CHF / year
Ticino
SanaTel · region 2
Premium / month
649.40
CHF
Total / year
CHF 8,113
Saving
−1,013
CHF / year
Uri
SanaTel
Premium / month
482.30
CHF
Total / year
CHF 6,108
Saving
−827
CHF / year
Valais
SanaTel · region 2
Premium / month
478.10
CHF
Total / year
CHF 6,057
Saving
−1,092
CHF / year
Vaud
SanaTel · region 2
Premium / month
580.50
CHF
Total / year
CHF 7,286
Saving
−1,134
CHF / year
Zug
SanaTel
Premium / month
364.00
CHF
Total / year
CHF 4,688
Saving
−624
CHF / year
Zurich
SanaTel · region 3
Premium / month
492.60
CHF
Total / year
CHF 6,231
Saving
−923
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 561.60 | CHF 602.60 | +7.3% | +4.7% |
| Appenzell Inner Rhodes | CHF 463.90 | CHF 482.50 | +4.0% | +3.3% |
| Appenzell Outer Rhodes | CHF 609.60 | CHF 634.60 | +4.1% | +4.2% |
| Basel-City | CHF 673.30 | CHF 694.20 | +3.1% | +1.7% |
| Basel-Country | CHF 619.00 | CHF 649.35 | +4.9% | +3.7% |
| Bern | CHF 618.30 | CHF 641.23 | +3.7% | +3.2% |
| Fribourg | CHF 603.95 | CHF 627.60 | +3.9% | +2.6% |
| Geneva | CHF 754.40 | CHF 752.20 | −0.3% | +1.0% |
| Glarus | CHF 516.60 | CHF 539.90 | +4.5% | +4.6% |
| Graubünden | CHF 499.80 | CHF 534.30 | +6.9% | +4.2% |
| Jura | CHF 664.50 | CHF 672.50 | +1.2% | +2.7% |
| Lucerne | CHF 567.43 | CHF 612.87 | +8.0% | +3.1% |
| Neuchâtel | CHF 706.40 | CHF 729.80 | +3.3% | +4.0% |
| Nidwalden | CHF 557.10 | CHF 581.10 | +4.3% | +2.4% |
| Obwalden | CHF 501.40 | CHF 500.90 | −0.1% | +4.3% |
| Schaffhausen | CHF 593.10 | CHF 615.15 | +3.7% | +2.4% |
| Schwyz | CHF 510.60 | CHF 514.70 | +0.8% | +4.0% |
| Solothurn | CHF 599.20 | CHF 610.00 | +1.8% | +4.4% |
| St. Gallen | CHF 539.83 | CHF 564.73 | +4.6% | +3.1% |
| Thurgau | CHF 555.60 | CHF 555.10 | −0.1% | +2.1% |
| Ticino | CHF 737.60 | CHF 753.10 | +2.1% | +5.7% |
| Uri | CHF 527.90 | CHF 551.20 | +4.4% | +4.6% |
| Valais | CHF 549.90 | CHF 584.05 | +6.2% | +4.2% |
| Vaud | CHF 679.40 | CHF 696.50 | +2.5% | +2.4% |
| Zug | CHF 499.60 | CHF 416.00 | −16.7% | −9.0% |
| Zurich | CHF 586.63 | CHF 607.87 | +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 Mutuel premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Mutuel in 2026 ranges from CHF 416.00 (canton of Zug) to CHF 772.40 (canton of Ticino). With a higher deductible or a model, the premium is lower.
Which models does Mutuel offer?
In 2026, Mutuel 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 Mutuel 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
- Mutuel: website (address), retrieved on 25.09.2026groupemutuel.ch
- Mutuel: website (physician search), retrieved on 25.09.2026groupemutuel.ch