Health insurance premiums 2027 in Lema (TI)For a young adult aged 19 to 25 with accident cover
From 314.65 to 684.85 CHF a month depending on the deductible and the model
105 offers from 21 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Sanitas | Family doctor 1 | 442.95 | 431.30 | 402.15 | 372.95 | 343.80 | 314.65 |
| 2 | Sanitas | TelMed Basic | 442.95 | 431.30 | 402.15 | 372.95 | 343.80 | 314.65 |
| 3 |  Agrisano | AGRIsmart | 445.45 | 435.35 | 410.15 | 384.95 | 359.65 | 334.55 |
| 4 | Sanitas | Family doctor 2 | 447.60 | 435.95 | 406.80 | 377.60 | 348.45 | 319.30 |
| 5 | Sanitas | Family doctor 3 | 447.60 | 435.95 | 406.80 | 377.60 | 348.45 | 319.30 |
| 6 | Sanitas | Family doctor 4 | 447.60 | 435.95 | 406.80 | 377.60 | 348.45 | 319.30 |
| 7 | Sanitas | MultiAccess | 447.60 | 435.95 | 406.80 | 377.60 | 348.45 | 319.30 |
| 8 | Sanitas | TelMed Plus | 447.60 | 435.95 | 406.80 | 377.60 | 348.45 | 319.30 |
| 9 |  CSS | HMO (health practice) | 450.35 | 448.75 | 419.55 | 390.35 | 361.25 | 332.05 |
| 10 |  KPT | KPTwin.smart - GP with app | 452.55 | 440.95 | 411.75 | 382.55 | — | 324.25 |
| 11 | CSS | Multimed | 459.25 | 447.65 | 418.45 | 389.25 | 360.15 | 330.95 |
| 12 | Sanitas | Standard model | 461.60 | 449.95 | 420.80 | 391.60 | 362.45 | 333.30 |
| 13 |  EGK | EGK-TelCare | 463.95 | 452.35 | 423.15 | 393.95 | 364.85 | 335.65 |
| 14 |  CONCORDIA | HMO | 465.15 | 453.55 | 424.35 | 395.15 | 366.05 | 336.85 |
| 15 | EGK | EGK-Care | 466.65 | 455.05 | 425.85 | 396.65 | 367.55 | 338.35 |
| See all | See all | See all | See all | See all | See all | |||
In 2027, for a young adult aged 19 to 25 in Lema, with accident cover, the cheapest health insurance premium is:
- 442.95 CHF a month with a 300 CHF deductible (Sanitas, Family doctor 1)
- 314.65 CHF a month with a 2'500 CHF deductible (Sanitas, Family doctor 1)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Lema for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?
In 2027, with accident cover, the cheapest offer in Lema is Sanitas (Family doctor 1) at 442.95 CHF a month.
How much does health insurance cost in Lema in 2027 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 442.95 CHF (Sanitas, Family doctor 1) to 684.85 CHF (sana24, Standard model): 105 offers from 21 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: 418.25 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Lema for a young adult aged 19 to 25 with accident cover?
On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 442.95 CHF a month with the 300 CHF deductible to 314.65 CHF with the 2'500 CHF deductible: 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Lema 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 with accident cover, the cheapest premium per model is: standard model 461.60 CHF (Sanitas), family doctor / HMO 442.95 CHF (Sanitas), flexible model 447.60 CHF (Sanitas), telemedicine 442.95 CHF (Sanitas).
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 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 447.70 CHF at Sanitas (Family doctor 1) gives 442.95 CHF after redistribution.
Until when can I change health insurer for 2027?
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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.