Health insurance premiums 2027 in the canton of Vaud (VD)

That depends on your municipality’s premium region. For an adult without accident cover: region 1 (Lausanne, Montreux, Nyon…): 422.25 CHF a month with a 2'500 CHF deductible (Assura, MediTel) and 541.55 CHF with a 300 CHF deductible. region 2 (Yverdon-les-Bains, Aigle, Payerne…): 396.25 CHF a month with a 2'500 CHF deductible (Groupe Mutuel – Philos, SanaTel (Telemedicine)) and 515.25 CHF with a 300 CHF deductible.

For an adult without accident cover with a 300 CHF deductible, the canton’s lowest premium is 515.25 CHF a month in premium region 2 (Yverdon-les-Bains, Aigle, Payerne…), with Groupe Mutuel – Philos (SanaTel (Telemedicine)). In the dearest region, region 1 (Lausanne, Montreux, Nyon…), the lowest premium is 541.55 CHF.

For a child with accident cover and a 0 CHF deductible, the canton’s lowest premium is 124.15 CHF a month with KPT (KPTwin.smart - GP with app), in premium region 2 (Yverdon-les-Bains, Aigle, Payerne…).

In 2027, 21 health insurers offer their models in the canton of Vaud. Basic insurance benefits are the same with all of them; only the premium, the model, the deductible and accident cover differ.

The canton has 2 premium regions set at federal level based on cost differences; health insurers may charge different premiums from one region to another. Your municipality of residence, not your postcode, determines the region. Region 1: 115 municipalities, including Lausanne, Montreux, Nyon. Region 2: 179 municipalities, including Yverdon-les-Bains, Aigle, Payerne.

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 520.00 CHF at Groupe Mutuel – Philos (SanaTel (Telemedicine)) gives 515.25 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.