# Health insurance premiums 2026 in Zernez (GR), for a young adult aged 19 to 25 without accident cover

In 2026, for a young adult aged 19 to 25 in Zernez, without accident cover, the cheapest health insurance premium is:

- **284.65 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-300/) (Agrisano, AGRIsmart)
- **179.45 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-2500/) (ÖKK, Family doctor)

## Without accident cover: from 179.45 to 468.05 CHF a month depending on the deductible and the model

117 offers from 24 health insurers. With a deductible of 300 CHF, the cheapest is **284.65 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 468.05 CHF with SLKK (Standard model).

Lowest premium:
- 300 CHF: 284.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-300/
- 500 CHF: 275.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-500/
- 1'000 CHF: 251.35 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 227.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 203.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 179.45 CHF (ÖKK, Family doctor) — https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 284.65 | 275.15 | 251.35 | 227.55 | 203.65 | 179.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 298.75 | 287.95 | 260.75 | 233.65 | 206.55 | 179.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 298.75 | 287.95 | 260.75 | 233.65 | 206.55 | 179.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 298.75 | 287.95 | 260.75 | 233.65 | 206.55 | 179.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 299.75 | 288.95 | 261.75 | 234.60 | 207.50 | 180.30 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 299.85 | 289.05 | 261.95 | 234.75 | 207.65 | 180.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 299.85 | 289.85 | 264.85 | 239.65 | 214.55 | 189.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 300.35 | 290.35 | 265.45 | 240.55 | 215.55 | 190.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 300.35 | 290.35 | 265.45 | 240.55 | 215.55 | 190.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 302.90 | 292.10 | 264.95 | 237.75 | 210.65 | 183.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 302.90 | 292.10 | 264.95 | 237.75 | 210.65 | 183.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 302.90 | 292.10 | 264.95 | 237.75 | 210.65 | 183.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 303.05 | 292.25 | 265.05 | 237.85 | 210.75 | 183.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 303.05 | 292.25 | 265.05 | 237.85 | 210.75 | 183.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 303.85 | 293.05 | 265.95 | 238.75 | 211.65 | 184.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 304.95 | 294.75 | 269.35 | 243.75 | 218.25 | 192.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 308.35 | 297.65 | 270.75 | 243.25 | 216.35 | 189.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 308.45 | 297.65 | 270.55 | 243.35 | 216.35 | 189.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 310.15 | 299.45 | 272.55 | 245.05 | 218.05 | 191.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 310.85 | 299.85 | 272.25 | 244.65 | 217.15 | 190.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 310.85 | 299.85 | 272.25 | 244.65 | 217.15 | 190.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 311.95 | 301.25 | 274.25 | 246.85 | 219.85 | 192.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 312.55 | 301.75 | 274.55 | 247.35 | 220.25 | 193.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 313.35 | 302.45 | 275.25 | 248.25 | 221.05 | 193.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 315.85 | 305.05 | 277.95 | 250.75 | 223.65 | 196.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 316.15 | 305.35 | 281.95 | 254.85 | 223.95 | 196.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 316.95 | 306.05 | 279.05 | 251.85 | 224.75 | 197.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 316.95 | 306.05 | 279.05 | 251.85 | 224.75 | 197.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 316.95 | 306.05 | 279.05 | 251.85 | 224.75 | 197.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 319.05 | 309.65 | 286.05 | 262.55 | 238.85 | 220.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 320.95 | 310.25 | 283.25 | 255.85 | 228.85 | 201.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 321.85 | 310.95 | 283.35 | 255.75 | 228.25 | 200.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 324.35 | 313.45 | 286.25 | 259.25 | 232.05 | 204.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 326.55 | 315.75 | 288.55 | 261.55 | 234.35 | 208.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 326.85 | 316.15 | 288.95 | 261.85 | 234.75 | 207.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 326.95 | 316.15 | 288.95 | 261.85 | 234.75 | 207.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 328.75 | 317.95 | 290.85 | 263.65 | 236.65 | 209.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 329.05 | 318.05 | 290.35 | 262.55 | 234.95 | 207.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 331.95 | 320.75 | 293.15 | 265.45 | 237.65 | 210.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 331.95 | 321.15 | 293.95 | 266.85 | 239.75 | 212.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 331.95 | 321.15 | 293.95 | 266.85 | 239.75 | 212.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 331.95 | 321.15 | 293.95 | 266.85 | 239.75 | 212.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 332.15 | 321.05 | 293.35 | 265.65 | 237.95 | 210.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 332.45 | 321.75 | 294.55 | 267.35 | 240.35 | 213.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 332.55 | 321.65 | 294.35 | 267.05 | 239.85 | 212.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 332.55 | 326.35 | 294.45 | 267.15 | 239.85 | 212.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 332.55 | 326.35 | 294.45 | 267.15 | 239.85 | 212.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 332.95 | 325.85 | 298.75 | 271.65 | 240.75 | 213.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 333.35 | 322.55 | 295.45 | 268.25 | — | 214.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 335.95 | 325.15 | 297.95 | 270.85 | 243.75 | 216.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 336.35 | 328.05 | 307.15 | 286.15 | 264.75 | 243.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 338.65 | 327.85 | 300.55 | 273.25 | 246.05 | 218.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 339.05 | 328.25 | 301.05 | 273.95 | — | 219.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 340.15 | 333.85 | 301.95 | 274.65 | 247.45 | 220.15 |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed | 341.45 | 331.75 | 310.25 | 285.75 | 262.25 | 232.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 343.85 | 337.65 | 305.75 | 278.45 | 251.15 | 223.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 344.15 | 333.35 | 306.25 | 279.05 | 251.95 | 224.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 344.35 | 333.35 | 305.55 | 277.85 | 250.25 | 222.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 345.35 | 334.65 | 307.65 | 280.25 | 253.25 | 226.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 346.05 | 335.25 | 308.05 | 282.85 | 257.55 | 234.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 347.45 | 336.55 | 309.25 | 282.05 | 254.75 | 227.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 347.45 | 336.55 | 309.25 | 282.05 | 254.75 | 227.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 347.75 | 336.95 | 309.75 | 282.65 | 255.55 | 228.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 347.75 | 336.95 | 309.75 | 282.65 | 255.55 | 228.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 349.35 | 338.65 | 311.65 | 284.25 | 257.25 | 230.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 349.75 | 339.05 | 312.05 | 284.65 | 257.65 | 230.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 353.05 | 342.25 | 315.15 | 287.95 | — | 233.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 353.05 | 342.35 | 315.45 | 288.05 | 265.75 | 244.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 353.15 | 342.45 | 315.45 | 288.05 | 261.05 | 234.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 353.25 | 347.05 | 315.15 | 287.85 | 260.65 | 233.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 353.55 | 342.65 | 315.55 | 290.35 | 265.05 | 241.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 355.75 | 344.95 | 317.75 | 290.65 | 263.55 | 236.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 355.85 | 345.05 | 317.95 | 290.75 | — | 236.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 357.25 | 346.45 | 319.25 | 292.15 | 265.05 | 237.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 357.35 | 346.65 | 319.65 | 292.25 | 265.25 | 238.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 358.05 | 347.35 | 320.35 | 292.95 | 265.95 | 238.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 358.35 | 347.45 | 320.25 | 292.95 | 265.75 | 238.45 |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 359.65 | 349.55 | 327.25 | 301.55 | 277.25 | 246.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 359.65 | 348.85 | 321.75 | 294.55 | 267.45 | 240.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 360.85 | 350.05 | 322.95 | 295.75 | 268.65 | 241.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 361.35 | 350.65 | 323.65 | 296.25 | 269.25 | 242.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 362.15 | 351.45 | 324.45 | 297.05 | 270.05 | 243.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 363.35 | 352.45 | 325.25 | 297.95 | 270.75 | 243.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 364.35 | 353.35 | 325.75 | 298.15 | 270.65 | 243.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 366.05 | 356.75 | 333.95 | 311.15 | 288.45 | 265.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 366.85 | 360.65 | 328.65 | 301.45 | 274.15 | 246.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 367.45 | 356.65 | 329.55 | 302.45 | 275.25 | 248.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 368.45 | 357.65 | 330.55 | 303.35 | 276.25 | 249.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 368.55 | 357.55 | 330.25 | 303.05 | 275.75 | 248.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 370.95 | 360.05 | 332.75 | 305.55 | 278.25 | 250.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 371.65 | 360.35 | 333.95 | 303.80 | 273.65 | 251.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 372.15 | 365.95 | 333.95 | 306.75 | 279.45 | 252.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 374.25 | 363.35 | 336.05 | 308.85 | 281.55 | 254.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 374.65 | 363.95 | 336.95 | 309.55 | 282.55 | 255.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 374.85 | 363.95 | 336.65 | 309.45 | 282.15 | 254.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 374.85 | 363.95 | 336.65 | 309.45 | 282.15 | 254.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 375.45 | 364.75 | 337.55 | 310.35 | — | 256.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 375.95 | 365.05 | 337.75 | 310.55 | 283.25 | 255.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 378.05 | 367.05 | 339.35 | 311.55 | 283.95 | 256.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 378.35 | 367.55 | 340.35 | 313.25 | 286.15 | 259.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 378.35 | 367.55 | 340.35 | 313.25 | 286.15 | 259.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 382.55 | 371.75 | 344.55 | 317.45 | 290.35 | 263.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 382.65 | 371.75 | 344.55 | 317.25 | 289.95 | 262.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 386.55 | 375.65 | 348.45 | 321.15 | 293.85 | 266.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 391.45 | 381.90 | 351.80 | 324.00 | 294.30 | 268.50 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 391.45 | 380.65 | 353.55 | 326.35 | 299.25 | 272.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 395.15 | 384.35 | 357.25 | 330.05 | 303.05 | 275.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 395.15 | 384.35 | 357.25 | 330.05 | 303.05 | 275.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.25 | 384.45 | 357.25 | 330.15 | — | 275.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.35 | 384.75 | 357.75 | 330.25 | 303.35 | 276.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 401.75 | 392.45 | 368.85 | 345.15 | 321.65 | 298.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 409.85 | 399.15 | 372.25 | 344.75 | 317.85 | 290.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 413.15 | 402.25 | 374.95 | 347.75 | 320.45 | 293.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 416.15 | 405.45 | 378.25 | 351.05 | 324.05 | 296.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 420.75 | 410.85 | 386.15 | 361.45 | 336.85 | 312.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 425.45 | 415.55 | 390.55 | 365.55 | 340.65 | 315.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 468.05 | 457.15 | 429.65 | 402.25 | 374.85 | 347.45 |

117 offers from 24 health insurers.: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Zernez for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Zernez](https://praemiencheck.onedoc.ch/en/gr/zernez/) is Agrisano (AGRIsmart) at 284.65 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 312.55 CHF a month.

### How much does health insurance cost in Zernez in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 284.65 CHF (Agrisano, AGRIsmart) to 468.05 CHF (SLKK, Standard model): 117 offers from 24 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 272.85 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Zernez for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 284.65 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-300/) to 179.95 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/deductible-2500/): 104.70 CHF less a month, 1'256.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'696 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Zernez for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 312.55 CHF (Sanitas), family doctor / HMO 298.75 CHF (ÖKK), flexible model 298.75 CHF (ÖKK), telemedicine 284.65 CHF (Agrisano).

### Why is the FOPH-approved premium higher than the price shown?

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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 289.80 CHF at Agrisano (AGRIsmart) gives 284.65 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/

## Related pages

- Without accident cover: from 179.45 to 468.05 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/gr/zernez/young-adult/no-accident/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…) and `zernez` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.