Health insurance premiums 2027 in Russin (GE)For a young adult aged 19 to 25

In 2027, without accident cover: KPT (KPTwin.smart - GP with app) at 416.55 CHF a month with a deductible of 300 CHF, and KPT (KPTwin.smart - GP with app) at 297.25 CHF with the 2'500 CHF deductible. With accident cover: Sanitas (Family doctor 1) at 448.20 CHF, and Sanitas (Family doctor 1) at 319.90 CHF.

For a young adult aged 19 to 25 with KPT (KPTwin.smart - GP with app), the premium rises from 416.55 CHF a month without accident cover to 448.25 CHF with accident cover, at the 300 CHF deductible: 31.70 CHF a month, 380.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 421.30 CHF at KPT (KPTwin.smart - GP with app) gives 416.55 CHF after redistribution.

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.