Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 550.30 | CHF 478.75up to CHF 511.80 | CHF 495.30up to CHF 511.80 |
| Appenzell Inner Rhodes | CHF 434.80 | CHF 378.30up to CHF 404.35 | CHF 391.40up to CHF 404.40 |
| Appenzell Outer Rhodes | CHF 515.70 | CHF 448.65up to CHF 479.60 | CHF 464.20up to CHF 479.70 |
| Basel-City | CHF 703.90 | CHF 612.40up to CHF 654.65 | CHF 598.40up to CHF 654.70 |
| Basel-Country2 premium regions | CHF 639.40up to CHF 656.80 | CHF 556.30up to CHF 610.80 | CHF 558.30up to CHF 610.90 |
| Bern3 premium regions | CHF 569.50up to CHF 634.80 | CHF 495.45up to CHF 590.35 | CHF 512.60up to CHF 583.00 |
| Fribourg2 premium regions | CHF 576.00up to CHF 579.00 | CHF 501.10up to CHF 538.45 | CHF 518.40up to CHF 538.50 |
| Geneva | CHF 743.00 | CHF 646.40up to CHF 691.00 | CHF 609.30up to CHF 691.00 |
| Glarus | CHF 523.70 | CHF 455.60up to CHF 487.05 | CHF 471.40up to CHF 487.10 |
| Graubünden3 premium regions | CHF 499.70up to CHF 539.90 | CHF 434.75up to CHF 502.10 | CHF 434.80up to CHF 502.20 |
| Jura | CHF 655.70 | CHF 570.45up to CHF 609.80 | CHF 577.10up to CHF 609.90 |
| Lucerne3 premium regions | CHF 493.70up to CHF 530.60 | CHF 429.50up to CHF 493.45 | CHF 444.40up to CHF 493.50 |
| Neuchâtel | CHF 686.40 | CHF 597.15up to CHF 638.35 | CHF 576.60up to CHF 638.40 |
| Nidwalden | CHF 475.50 | CHF 413.70up to CHF 442.20 | CHF 428.00up to CHF 442.30 |
| Obwalden | CHF 480.70 | CHF 418.20up to CHF 447.05 | CHF 432.70up to CHF 447.10 |
| Schaffhausen2 premium regions | CHF 556.70up to CHF 600.80 | CHF 484.35up to CHF 558.75 | CHF 501.10up to CHF 558.80 |
| Schwyz | CHF 525.00 | CHF 456.75up to CHF 488.25 | CHF 472.50up to CHF 488.30 |
| Solothurn | CHF 595.60 | CHF 518.15up to CHF 553.90 | CHF 536.10up to CHF 554.00 |
| St. Gallen3 premium regions | CHF 512.40up to CHF 551.30 | CHF 445.80up to CHF 512.70 | CHF 457.30up to CHF 512.80 |
| Thurgau | CHF 532.40 | CHF 463.20up to CHF 495.15 | CHF 479.20up to CHF 495.20 |
| Ticino2 premium regions | CHF 673.60up to CHF 726.40 | CHF 586.05up to CHF 675.55 | CHF 606.30up to CHF 675.60 |
| Uri | CHF 464.50 | CHF 404.10up to CHF 432.00 | CHF 418.10up to CHF 432.00 |
| Valais2 premium regions | CHF 559.90up to CHF 566.00 | CHF 487.10up to CHF 526.40 | CHF 504.00up to CHF 526.40 |
| Vaud2 premium regions | CHF 668.50up to CHF 675.70 | CHF 581.60up to CHF 628.40 | CHF 561.60up to CHF 628.50 |
| Zug | CHF 407.10 | CHF 354.20up to CHF 378.60 | CHF 366.40up to CHF 378.70 |
| Zurich3 premium regions | CHF 524.80up to CHF 619.40 | CHF 456.60up to CHF 576.05 | CHF 451.40up to CHF 563.70 |
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 Sanitas 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 Sanitas standard model in the same region.
Aargau
GP model 1
Premium / month
478.75
CHF
Total / year
CHF 6,065
Saving
−859
CHF / year
Appenzell Inner Rhodes
GP model 1
Premium / month
378.30
CHF
Total / year
CHF 4,860
Saving
−678
CHF / year
Appenzell Outer Rhodes
GP model 1
Premium / month
448.65
CHF
Total / year
CHF 5,704
Saving
−805
CHF / year
Basel-City
TelMed (Compact One)
Premium / month
598.40
CHF
Total / year
CHF 7,501
Saving
−1,266
CHF / year
Basel-Country
GP model 1 · region 2
Premium / month
556.30
CHF
Total / year
CHF 6,996
Saving
−997
CHF / year
Bern
GP model 1 · region 3
Premium / month
495.45
CHF
Total / year
CHF 6,265
Saving
−889
CHF / year
Fribourg
GP model 1 · region 2
Premium / month
501.10
CHF
Total / year
CHF 6,333
Saving
−899
CHF / year
Geneva
TelMed (Compact One)
Premium / month
609.30
CHF
Total / year
CHF 7,632
Saving
−1,604
CHF / year
Glarus
GP model 1
Premium / month
455.60
CHF
Total / year
CHF 5,787
Saving
−817
CHF / year
Graubünden
GP model 1 · region 3
Premium / month
434.75
CHF
Total / year
CHF 5,537
Saving
−779
CHF / year
Jura
GP model 1
Premium / month
570.45
CHF
Total / year
CHF 7,165
Saving
−1,023
CHF / year
Lucerne
GP model 1 · region 3
Premium / month
429.50
CHF
Total / year
CHF 5,474
Saving
−770
CHF / year
Neuchâtel
TelMed (Compact One)
Premium / month
576.60
CHF
Total / year
CHF 7,239
Saving
−1,318
CHF / year
Nidwalden
GP model 1
Premium / month
413.70
CHF
Total / year
CHF 5,284
Saving
−742
CHF / year
Obwalden
GP model 1
Premium / month
418.20
CHF
Total / year
CHF 5,338
Saving
−750
CHF / year
Schaffhausen
GP model 1 · region 2
Premium / month
484.35
CHF
Total / year
CHF 6,132
Saving
−868
CHF / year
Schwyz
GP model 1
Premium / month
456.75
CHF
Total / year
CHF 5,801
Saving
−819
CHF / year
Solothurn
GP model 1
Premium / month
518.15
CHF
Total / year
CHF 6,538
Saving
−929
CHF / year
St. Gallen
GP model 1 · region 3
Premium / month
445.80
CHF
Total / year
CHF 5,670
Saving
−799
CHF / year
Thurgau
GP model 1
Premium / month
463.20
CHF
Total / year
CHF 5,878
Saving
−830
CHF / year
Ticino
GP model 1 · region 2
Premium / month
586.05
CHF
Total / year
CHF 7,353
Saving
−1,051
CHF / year
Uri
GP model 1
Premium / month
404.10
CHF
Total / year
CHF 5,169
Saving
−725
CHF / year
Valais
GP model 1 · region 1
Premium / month
487.10
CHF
Total / year
CHF 6,165
Saving
−874
CHF / year
Vaud
TelMed (Compact One) · region 2
Premium / month
561.60
CHF
Total / year
CHF 7,059
Saving
−1,283
CHF / year
Zug
GP model 1
Premium / month
354.20
CHF
Total / year
CHF 4,570
Saving
−635
CHF / year
Zurich
TelMed (Compact One) · region 3
Premium / month
451.40
CHF
Total / year
CHF 5,737
Saving
−881
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 524.90 | CHF 550.30 | +4.8% | +4.7% |
| Appenzell Inner Rhodes | CHF 406.40 | CHF 434.80 | +7.0% | +3.3% |
| Appenzell Outer Rhodes | CHF 500.40 | CHF 515.70 | +3.1% | +4.2% |
| Basel-City | CHF 661.90 | CHF 703.90 | +6.3% | +1.7% |
| Basel-Country | CHF 629.55 | CHF 648.10 | +2.9% | +3.7% |
| Bern | CHF 593.37 | CHF 610.37 | +2.9% | +3.2% |
| Fribourg | CHF 551.90 | CHF 577.50 | +4.6% | +2.6% |
| Geneva | CHF 729.20 | CHF 743.00 | +1.9% | +1.0% |
| Glarus | CHF 503.90 | CHF 523.70 | +3.9% | +4.6% |
| Graubünden | CHF 499.30 | CHF 518.30 | +3.8% | +4.2% |
| Jura | CHF 622.20 | CHF 655.70 | +5.4% | +2.7% |
| Lucerne | CHF 489.63 | CHF 511.40 | +4.4% | +3.1% |
| Neuchâtel | CHF 671.70 | CHF 686.40 | +2.2% | +4.0% |
| Nidwalden | CHF 458.30 | CHF 475.50 | +3.8% | +2.4% |
| Obwalden | CHF 470.90 | CHF 480.70 | +2.1% | +4.3% |
| Schaffhausen | CHF 553.80 | CHF 578.75 | +4.5% | +2.4% |
| Schwyz | CHF 500.70 | CHF 525.00 | +4.9% | +4.0% |
| Solothurn | CHF 567.60 | CHF 595.60 | +4.9% | +4.4% |
| St. Gallen | CHF 513.00 | CHF 533.87 | +4.1% | +3.1% |
| Thurgau | CHF 513.90 | CHF 532.40 | +3.6% | +2.1% |
| Ticino | CHF 658.95 | CHF 700.00 | +6.2% | +5.7% |
| Uri | CHF 440.90 | CHF 464.50 | +5.4% | +4.6% |
| Valais | CHF 543.50 | CHF 562.95 | +3.6% | +4.2% |
| Vaud | CHF 667.70 | CHF 672.10 | +0.7% | +2.4% |
| Zug | CHF 472.90 | CHF 407.10 | −13.9% | −9.0% |
| Zurich | CHF 543.73 | CHF 570.67 | +5.0% | +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 Sanitas premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Sanitas in 2026 ranges from CHF 407.10 (canton of Zug) to CHF 743.00 (canton of Geneva). With a higher deductible or a model, the premium is lower.
Which models does Sanitas offer?
In 2026, Sanitas has premiums for 3 model types: 1 tariff of the Standard type, 5 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 Sanitas more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 97.3 (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
- Sanitas: website (address), retrieved on 25.09.2026sanitas.com
- Sanitas: website (physician search), retrieved on 25.09.2026sanitas.com
- Sanitas: website (contact), retrieved on 25.09.2026sanitas.com