# Health insurance premiums 2026 in Lugano (TI), for a young adult aged 19 to 25 who wants a deductible of 300 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Lugano](https://praemiencheck.onedoc.ch/en/ti/lugano/) ([canton Ticino](https://praemiencheck.onedoc.ch/en/ti/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/) with a 300 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/), the cheapest monthly basic insurance premium is **421.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 633.95 CHF with sana24 (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 421.15 | 411.05 | 386.05 | 360.95 | 335.85 | 310.85 | +8.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 429.75 | 418.15 | 388.95 | 359.75 | 330.65 | 301.45 | −2.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 434.20 | 422.60 | 393.40 | 364.20 | 335.10 | 305.90 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 434.25 | 422.65 | 393.45 | 364.25 | 335.15 | 305.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 438.75 | 427.15 | 397.95 | 368.75 | 339.65 | 310.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 438.75 | 427.15 | 397.95 | 368.75 | 339.65 | 310.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 438.75 | 427.15 | 397.95 | 368.75 | 339.65 | 310.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 438.85 | 427.25 | 398.05 | 368.85 | 339.75 | 310.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 438.85 | 427.25 | 398.05 | 368.85 | 339.75 | 310.55 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 443.45 | 432.85 | 406.55 | 380.15 | 353.65 | 327.35 | +7.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 444.15 | 434.15 | 408.75 | 383.45 | 357.95 | 326.65 | +6.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 450.55 | 438.95 | 409.75 | 380.55 | 351.45 | 322.25 | −0.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 450.85 | 440.15 | 413.35 | 386.45 | 359.65 | 332.85 | +7.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 452.55 | 440.95 | 411.75 | 382.55 | 353.45 | 324.25 | +7.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 453.55 | 441.95 | 412.75 | 383.55 | 354.45 | 325.25 | +5.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 455.05 | 443.45 | 414.25 | 385.05 | 355.95 | 326.75 | +6.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 456.05 | 444.45 | 415.25 | 386.05 | 356.95 | 327.75 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 457.25 | 445.65 | 416.45 | 387.25 | 358.15 | 328.95 | +10.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 458.25 | 446.65 | 417.45 | 388.25 | 359.15 | 329.95 | +11.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 463.15 | 451.55 | 422.35 | 393.15 | 364.05 | 334.85 | +6.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 471.95 | 460.35 | 431.15 | 401.95 | 372.85 | 343.65 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 471.95 | 460.35 | 431.15 | 401.95 | 372.85 | 343.65 | −3.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 472.05 | 460.45 | 431.25 | 402.05 | 372.95 | 343.75 | +9.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 473.05 | 461.55 | 432.55 | 403.05 | 374.05 | 345.05 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 473.15 | 461.55 | 432.35 | 403.15 | 374.05 | 344.85 | +10.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 474.75 | 463.15 | 433.95 | 404.75 | 375.65 | 346.45 | +8.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 475.55 | 463.95 | 434.75 | 405.55 | 376.45 | 347.25 | +10.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 476.35 | 464.65 | 435.45 | 406.35 | 377.15 | 347.95 | −0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 476.35 | 464.65 | 435.45 | 406.35 | 377.15 | 347.95 | −1.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 476.45 | 469.85 | 435.65 | 406.45 | 377.35 | 348.15 | +7.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 476.65 | 465.05 | 435.85 | 406.65 | 377.55 | 348.35 | +5.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 479.55 | 467.95 | 438.75 | 409.55 | 380.45 | 351.25 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 481.15 | 469.55 | 440.35 | 411.15 | 382.05 | 352.85 | +10.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 482.85 | 471.15 | 441.95 | 412.85 | 383.65 | 354.45 | −0.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 485.95 | 474.35 | 445.15 | 415.95 | 386.85 | 357.65 | +10.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 486.45 | 474.85 | 445.65 | 416.45 | 387.35 | 358.15 | +10.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 487.35 | 475.75 | 446.55 | 417.35 | 388.25 | 359.05 | −2.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 489.75 | 478.25 | 449.25 | 419.75 | 390.75 | 361.75 | +4.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 490.55 | 478.85 | 449.75 | 420.55 | 391.35 | 362.25 | +7.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 490.65 | 479.05 | 449.85 | 420.65 | — | 362.35 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 490.65 | 479.05 | 449.85 | 420.65 | — | 362.35 | +3.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 491.35 | 479.75 | 450.55 | 421.35 | 392.25 | 363.05 | +9.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 492.95 | 481.25 | 452.05 | 422.95 | 393.75 | 364.55 | −2.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 492.95 | 481.25 | 452.05 | 422.95 | 393.75 | 364.55 | −2.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 496.05 | 484.55 | 455.55 | 426.05 | 397.05 | 368.05 | +2.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 496.95 | 485.35 | 456.15 | 426.95 | 397.85 | 368.65 | +9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 498.15 | 486.55 | 457.35 | 428.15 | 399.05 | 369.85 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 498.85 | 487.35 | 458.35 | 428.85 | 399.85 | 370.85 | +2.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 500.05 | 493.35 | 459.15 | 430.05 | 400.85 | 371.65 | +7.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 504.15 | 492.55 | 463.35 | 434.15 | 405.05 | 375.85 | +10.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 504.15 | 492.55 | 463.35 | 434.15 | 405.05 | 375.85 | +10.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 504.45 | 492.95 | 463.95 | 434.45 | 405.45 | 376.45 | +1.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 504.55 | 492.85 | 463.65 | 434.55 | 405.35 | 376.15 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 505.45 | 493.85 | 464.65 | 435.45 | 406.35 | 377.15 | +7.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 506.55 | 495.05 | 466.05 | 436.55 | 407.55 | 378.55 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 507.45 | 495.95 | 466.95 | 437.45 | 408.45 | 379.45 | +7.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 510.15 | 498.55 | 469.35 | 440.15 | 411.05 | 381.85 | +7.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 511.15 | 499.55 | 470.35 | 441.35 | 412.05 | 382.85 | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 513.05 | 501.35 | 472.25 | 443.05 | 413.85 | 384.75 | +5.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 513.45 | 501.75 | 497.35 | 468.15 | 451.75 | 422.65 | +7.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 513.65 | 502.05 | 472.85 | 443.65 | — | 385.35 | +5.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 518.25 | 506.65 | 477.45 | 448.25 | — | 389.95 | +4.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 518.95 | 507.45 | 478.45 | 448.95 | 419.95 | 390.95 | +7.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 518.95 | 507.45 | 478.45 | 448.95 | 419.95 | 390.95 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 518.95 | 507.35 | 478.15 | 448.95 | 419.85 | 390.65 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 518.95 | 507.35 | 478.15 | 448.95 | 419.85 | 390.65 | +9.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 522.05 | 510.45 | 481.25 | 452.05 | 422.95 | 393.75 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 522.05 | 510.45 | 481.25 | 452.05 | 422.95 | 393.75 | New tariff 2026 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 522.85 | 511.25 | 482.05 | 452.85 | — | 394.55 | +9.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 526.35 | 514.75 | 485.55 | 456.35 | 427.25 | 398.05 | +10.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 528.65 | 522.05 | 487.85 | 458.65 | 429.55 | 400.35 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 528.65 | 522.05 | 487.85 | 458.65 | 429.55 | 400.35 | +7.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 531.15 | 525.65 | 496.45 | 467.35 | 431.95 | 402.75 | +7.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 537.05 | 525.35 | 496.15 | 467.05 | 437.85 | 408.65 | −4.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 539.35 | 527.75 | 498.55 | 469.35 | 440.25 | 411.05 | +5.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 540.05 | 528.45 | 499.25 | 470.05 | 440.95 | 411.75 | +9.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 543.55 | 531.95 | 502.75 | 473.55 | 444.45 | 415.25 | +9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 546.05 | 534.45 | 505.25 | 476.05 | 446.95 | 417.75 | +9.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 546.45 | 534.85 | 505.65 | 476.45 | 447.35 | 418.15 | +9.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 548.25 | 536.55 | 507.45 | 478.25 | 449.05 | 419.95 | −2.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 551.65 | 544.95 | 510.75 | 481.65 | 452.45 | 423.25 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 552.85 | 541.25 | 512.05 | 482.85 | 453.75 | 424.55 | +5.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 554.05 | 542.55 | 513.55 | 484.05 | 455.05 | 426.05 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 554.85 | 543.35 | 514.35 | 484.85 | 455.85 | 426.85 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 559.05 | 547.35 | 533.65 | 504.55 | 462.95 | 433.75 | +5.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 563.05 | 556.45 | 522.25 | 493.05 | 463.95 | 434.75 | +6.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 563.65 | 552.05 | 522.85 | 493.65 | 464.55 | 435.35 | +7.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 568.85 | 562.15 | 527.95 | 498.85 | 469.65 | 440.45 | +6.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 573.65 | 563.65 | 539.15 | 514.65 | 490.15 | 465.65 | +6.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 573.95 | 562.45 | 533.45 | 503.95 | 474.95 | 445.95 | +7.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 575.85 | 564.15 | 534.95 | 505.85 | 476.65 | 447.45 | +7.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 577.65 | 565.95 | 536.75 | 510.75 | 484.65 | 461.65 | +7.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 582.55 | 570.95 | 541.75 | 512.55 | — | 454.25 | +6.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 590.05 | 578.35 | 549.15 | 520.05 | 490.85 | 461.65 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 594.05 | 582.45 | 553.25 | 524.05 | 494.95 | 465.75 | +9.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 595.65 | 583.95 | 554.75 | 525.65 | 496.45 | 467.25 | +7.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 596.25 | 584.55 | 555.35 | 529.35 | 503.25 | 480.25 | +8.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 601.85 | 592.15 | 565.45 | 535.10 | 504.75 | 474.40 | +8.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 608.35 | 596.75 | 567.55 | 538.35 | 509.25 | 480.05 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 608.35 | 596.75 | 567.55 | 538.35 | 509.25 | 480.05 | +7.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 614.75 | 603.15 | 573.95 | 544.75 | 515.65 | 486.45 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 614.75 | 603.15 | 573.95 | 544.75 | 515.65 | 486.45 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 627.55 | 615.85 | 586.75 | 557.55 | 528.35 | 499.25 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 633.95 | 622.25 | 593.15 | 563.95 | 534.75 | 505.65 | +7.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Lugano for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/), the cheapest offer in [Lugano](https://praemiencheck.onedoc.ch/en/ti/lugano/) is Agrisano (AGRIsmart) at 421.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 452.55 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/) with a deductible of 300 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/), monthly premiums run from 421.15 CHF (Agrisano, AGRIsmart) to 633.95 CHF (sana24, Standard model): 104 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: 408.95 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Lugano for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 421.15 CHF a month with the 300 CHF deductible to 310.85 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-2500/): 110.30 CHF less a month, 1'323.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'771 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Lugano 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 452.55 CHF (Sanitas), family doctor / HMO 429.75 CHF (CSS), flexible model 438.85 CHF (Sanitas), telemedicine 421.15 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 426.30 CHF at Agrisano (AGRIsmart) gives 421.15 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Lugano is in region 1 of canton Ticino.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

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/ti/lugano/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Lugano (TI): every situation: https://praemiencheck.onedoc.ch/en/ti/lugano/
- Premiums 2026 in Lugano (TI), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/
- Premiums 2026 in Lugano (TI), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/ti/lugano/child/
- Adult: https://praemiencheck.onedoc.ch/en/ti/lugano/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Lugano (TI), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Lugano (TI), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Lugano (TI), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Lugano (TI), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2026 in Lugano (TI), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/ti/lugano/young-adult/with-accident/deductible-300/ — replace `ti` with your canton’s two-letter code (ge, vd, zh…), `lugano` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-300` with `deductible-2500` for another deductible. Markdown version: add `.md`.