Adults · CHF 300 deductible · with accident cover · 2026
Premiums by canton and model
| Canton | Standard | GP/HMO | Telemedicine and other |
|---|---|---|---|
| Aargau | CHF 566.00 | CHF 503.80up to CHF 512.30 | CHF 503.80 |
| Appenzell Inner Rhodes | CHF 419.00 | CHF 360.40up to CHF 393.90 | CHF 368.80 |
| Appenzell Outer Rhodes | CHF 528.00 | CHF 459.40up to CHF 475.20 | CHF 459.40 |
| Basel-City | CHF 677.00 | CHF 589.00up to CHF 612.70 | CHF 595.80 |
| Basel-Country2 premium regions | CHF 654.00up to CHF 691.00 | CHF 582.10up to CHF 625.40 | CHF 572.30up to CHF 594.30 |
| Bern3 premium regions | CHF 583.00up to CHF 631.00 | CHF 513.10up to CHF 558.50 | CHF 513.10up to CHF 545.90 |
| Fribourg2 premium regions | CHF 553.00up to CHF 586.00 | CHF 481.20up to CHF 524.50 | CHF 486.70up to CHF 501.10 |
| Geneva | CHF 700.00 | CHF 616.00up to CHF 626.50 | CHF 616.00 |
| Glarus | CHF 546.00 | CHF 475.10up to CHF 491.40 | CHF 477.80 |
| Graubünden3 premium regions | CHF 493.00up to CHF 582.00 | CHF 429.00up to CHF 523.80 | CHF 433.90up to CHF 512.20 |
| Jura | CHF 659.00 | CHF 573.40up to CHF 586.60 | CHF 576.70 |
| Lucerne3 premium regions | CHF 490.00up to CHF 535.00 | CHF 431.20up to CHF 476.20 | CHF 436.10up to CHF 473.50 |
| Neuchâtel | CHF 794.00 | CHF 690.80up to CHF 738.50 | CHF 690.80 |
| Nidwalden | CHF 464.00 | CHF 410.70up to CHF 422.30 | CHF 410.70 |
| Obwalden | CHF 499.00 | CHF 431.70up to CHF 449.10 | CHF 434.20 |
| Schaffhausen2 premium regions | CHF 566.00up to CHF 575.00 | CHF 498.10up to CHF 523.30 | CHF 498.10up to CHF 508.90 |
| Schwyz | CHF 516.00 | CHF 449.00up to CHF 459.30 | CHF 459.30 |
| Solothurn | CHF 614.00 | CHF 531.20up to CHF 546.50 | CHF 537.30 |
| St. Gallen3 premium regions | CHF 525.00up to CHF 561.00 | CHF 448.90up to CHF 496.50 | CHF 451.50up to CHF 482.50 |
| Thurgau | CHF 538.00 | CHF 478.90up to CHF 481.60 | CHF 470.80 |
| Ticino2 premium regions | CHF 713.00up to CHF 758.00 | CHF 620.40up to CHF 682.20 | CHF 620.40up to CHF 659.50 |
| Uri | CHF 453.00 | CHF 401.00up to CHF 403.20 | CHF 403.20 |
| Valais2 premium regions | CHF 502.00up to CHF 583.00 | CHF 436.80up to CHF 524.70 | CHF 434.30up to CHF 504.30 |
| Vaud2 premium regions | CHF 664.00up to CHF 682.00 | CHF 577.70up to CHF 610.40 | CHF 564.40up to CHF 579.70 |
| Zug | CHF 392.00 | CHF 345.00up to CHF 350.90 | CHF 348.90 |
| Zurich3 premium regions | CHF 565.00up to CHF 621.00 | CHF 497.20up to CHF 546.50 | CHF 497.20up to CHF 527.90 |
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 Sympany 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 Sympany standard model in the same region.
Aargau
FlexHelp 24
Premium / month
503.80
CHF
Total / year
CHF 6,366
Saving
−746
CHF / year
Appenzell Inner Rhodes
callmed 24
Premium / month
360.40
CHF
Total / year
CHF 4,645
Saving
−703
CHF / year
Appenzell Outer Rhodes
FlexHelp 24
Premium / month
459.40
CHF
Total / year
CHF 5,833
Saving
−823
CHF / year
Basel-City
casamed hmo
Premium / month
589.00
CHF
Total / year
CHF 7,388
Saving
−1,056
CHF / year
Basel-Country
FlexHelp 24 · region 1
Premium / month
572.30
CHF
Total / year
CHF 7,188
Saving
−980
CHF / year
Bern
FlexHelp 24 · region 3
Premium / month
513.10
CHF
Total / year
CHF 6,477
Saving
−839
CHF / year
Fribourg
casamed hmo · region 2
Premium / month
481.20
CHF
Total / year
CHF 6,094
Saving
−862
CHF / year
Geneva
FlexHelp 24
Premium / month
616.00
CHF
Total / year
CHF 7,712
Saving
−1,008
CHF / year
Glarus
casamed pharm
Premium / month
475.10
CHF
Total / year
CHF 6,021
Saving
−851
CHF / year
Graubünden
casamed hmo · region 3
Premium / month
429.00
CHF
Total / year
CHF 5,468
Saving
−768
CHF / year
Jura
casamed hmo
Premium / month
573.40
CHF
Total / year
CHF 7,201
Saving
−1,027
CHF / year
Lucerne
casamed hmo · region 3
Premium / month
431.20
CHF
Total / year
CHF 5,494
Saving
−706
CHF / year
Neuchâtel
FlexHelp 24
Premium / month
690.80
CHF
Total / year
CHF 8,610
Saving
−1,238
CHF / year
Nidwalden
FlexHelp 24
Premium / month
410.70
CHF
Total / year
CHF 5,248
Saving
−640
CHF / year
Obwalden
casamed hmo
Premium / month
431.70
CHF
Total / year
CHF 5,500
Saving
−808
CHF / year
Schaffhausen
FlexHelp 24 · region 2
Premium / month
498.10
CHF
Total / year
CHF 6,297
Saving
−815
CHF / year
Schwyz
callmed 24
Premium / month
449.00
CHF
Total / year
CHF 5,708
Saving
−804
CHF / year
Solothurn
casamed hmo
Premium / month
531.20
CHF
Total / year
CHF 6,694
Saving
−994
CHF / year
St. Gallen
casamed hmo · region 3
Premium / month
448.90
CHF
Total / year
CHF 5,707
Saving
−913
CHF / year
Thurgau
FlexHelp 24
Premium / month
470.80
CHF
Total / year
CHF 5,970
Saving
−806
CHF / year
Ticino
FlexHelp 24 · region 2
Premium / month
620.40
CHF
Total / year
CHF 7,765
Saving
−1,111
CHF / year
Uri
casamed pharm
Premium / month
401.00
CHF
Total / year
CHF 5,132
Saving
−624
CHF / year
Valais
FlexHelp 24 · region 2
Premium / month
434.30
CHF
Total / year
CHF 5,532
Saving
−812
CHF / year
Vaud
FlexHelp 24 · region 2
Premium / month
564.40
CHF
Total / year
CHF 7,093
Saving
−1,195
CHF / year
Zug
casamed pharm
Premium / month
345.00
CHF
Total / year
CHF 4,460
Saving
−564
CHF / year
Zurich
FlexHelp 24 · region 3
Premium / month
497.20
CHF
Total / year
CHF 6,286
Saving
−814
CHF / year
2025 → 2026
Change from the previous year
| Canton | 2025 | 2026 | Change | Average of all insurers |
|---|---|---|---|---|
| Aargau | CHF 527.00 | CHF 566.00 | +7.4% | +4.7% |
| Appenzell Inner Rhodes | CHF 402.00 | CHF 419.00 | +4.2% | +3.3% |
| Appenzell Outer Rhodes | CHF 522.00 | CHF 528.00 | +1.1% | +4.2% |
| Basel-City | CHF 652.00 | CHF 677.00 | +3.8% | +1.7% |
| Basel-Country | CHF 621.50 | CHF 672.50 | +8.2% | +3.7% |
| Bern | CHF 591.67 | CHF 607.00 | +2.6% | +3.2% |
| Fribourg | CHF 557.50 | CHF 569.50 | +2.2% | +2.6% |
| Geneva | CHF 684.00 | CHF 700.00 | +2.3% | +1.0% |
| Glarus | CHF 551.00 | CHF 546.00 | −0.9% | +4.6% |
| Graubünden | CHF 526.67 | CHF 538.00 | +2.2% | +4.2% |
| Jura | CHF 629.00 | CHF 659.00 | +4.8% | +2.7% |
| Lucerne | CHF 487.00 | CHF 513.33 | +5.4% | +3.1% |
| Neuchâtel | CHF 692.00 | CHF 794.00 | +14.7% | +4.0% |
| Nidwalden | CHF 454.00 | CHF 464.00 | +2.2% | +2.4% |
| Obwalden | CHF 488.00 | CHF 499.00 | +2.3% | +4.3% |
| Schaffhausen | CHF 567.00 | CHF 570.50 | +0.6% | +2.4% |
| Schwyz | CHF 490.00 | CHF 516.00 | +5.3% | +4.0% |
| Solothurn | CHF 572.00 | CHF 614.00 | +7.3% | +4.4% |
| St. Gallen | CHF 527.67 | CHF 549.00 | +4.0% | +3.1% |
| Thurgau | CHF 527.00 | CHF 538.00 | +2.1% | +2.1% |
| Ticino | CHF 734.50 | CHF 735.50 | +0.1% | +5.7% |
| Uri | CHF 443.00 | CHF 453.00 | +2.3% | +4.6% |
| Valais | CHF 517.50 | CHF 542.50 | +4.8% | +4.2% |
| Vaud | CHF 647.50 | CHF 673.00 | +3.9% | +2.4% |
| Zug | CHF 451.00 | CHF 392.00 | −13.1% | −9.0% |
| Zurich | CHF 577.67 | CHF 590.67 | +2.3% | +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 Sympany premiums in 2026?
For adults in the standard model with a CHF 300 deductible and accident cover, the monthly premium at Sympany in 2026 ranges from CHF 392.00 (canton of Zug) to CHF 794.00 (canton of Neuchâtel). With a higher deductible or a model, the premium is lower.
Which models does Sympany offer?
In 2026, Sympany has premiums for 3 model types: 1 tariff of the Standard type, 4 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 Sympany more expensive than other insurers?
On average across all of the insurer’s premium regions, the 2026 index is 98.3 (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
- Sympany: website (address), retrieved on 25.09.2026sympany.ch
- Sympany: website (physician search), retrieved on 25.09.2026sympany.ch
- Sympany: website (contact), retrieved on 25.09.2026sympany.ch