# Health insurance premiums 2026 in Gimel (VD), for a young adult aged 19 to 25 who wants a deductible of 2'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Gimel](https://praemiencheck.onedoc.ch/en/vd/gimel/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/) with a 2'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/), the cheapest monthly basic insurance premium is **286.65 CHF** with **Sanitas** (Family doctor 1 model) and the most expensive is 542.35 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 378.95 | 368.15 | 340.95 | 313.75 | 286.65 | 259.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 379.15 | 368.35 | 341.15 | 313.95 | 286.85 | 259.65 | 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 | 382.95 | 372.15 | 344.95 | 317.75 | 290.70 | 263.50 | 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 | 382.95 | 372.15 | 344.95 | 317.75 | 290.70 | 263.50 | 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 | 382.95 | 372.15 | 344.95 | 317.75 | 290.70 | 263.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 383.15 | 372.35 | 345.15 | 317.95 | 290.85 | 263.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 383.15 | 372.35 | 345.15 | 317.95 | 290.85 | 263.65 | New tariff 2026 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 386.15 | 375.25 | 347.95 | 320.65 | 293.45 | 266.15 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 385.75 | 375.05 | 347.85 | 320.65 | 293.65 | 266.45 | −3.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 388.45 | 377.65 | 350.55 | 323.35 | 296.35 | 269.15 | +3.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 391.25 | 380.25 | 352.55 | 324.75 | 297.15 | 269.45 | +6.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 390.55 | 379.75 | 352.45 | 325.15 | 297.95 | 270.65 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 391.85 | 385.65 | 353.75 | 326.45 | 299.25 | 271.95 | +4.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.05 | 384.25 | 357.05 | 329.85 | 302.75 | 275.55 | +2.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 397.75 | 386.85 | 359.85 | 332.65 | 305.55 | 278.45 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 397.75 | 386.85 | 359.85 | 332.65 | 305.55 | 278.45 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 400.55 | 389.55 | 361.85 | 334.05 | 306.45 | 278.75 | +6.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 398.75 | 387.95 | 360.75 | 333.65 | 306.55 | 279.35 | +5.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 398.95 | 388.25 | 361.25 | 333.85 | 306.85 | 279.95 | +1.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 401.05 | 390.25 | 363.05 | 335.95 | 308.85 | 281.75 | +6.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 402.35 | 391.55 | 364.45 | 337.25 | 310.25 | 285.85 | +1.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 404.85 | 393.85 | 366.15 | 338.35 | 310.75 | 282.95 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 405.65 | 394.85 | 367.75 | 340.55 | 313.55 | 286.35 | +6.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 406.95 | 396.15 | 369.05 | 341.85 | 314.85 | 287.65 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 409.35 | 398.55 | 371.35 | 344.25 | 317.15 | 289.95 | +2.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 410.35 | 399.55 | 372.35 | 345.25 | 318.15 | 291.05 | +6.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 411.15 | 400.35 | 373.15 | 346.05 | 318.95 | 294.55 | +5.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 413.05 | 402.35 | 375.35 | 347.95 | 320.95 | 294.05 | +1.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 401.55 | 392.25 | 368.55 | 345.05 | 321.35 | 294.15 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 414.75 | 408.55 | 376.65 | 349.35 | 322.05 | 294.85 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 417.85 | 406.95 | 379.35 | 351.75 | 324.25 | 296.65 | +8.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 417.85 | 406.95 | 379.35 | 351.75 | 324.25 | 296.65 | +8.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 419.35 | 408.25 | 380.55 | 352.85 | 325.15 | 297.45 | +5.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 417.75 | 407.05 | 380.05 | 352.65 | 325.65 | 298.75 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 420.15 | 409.45 | 382.45 | 355.05 | 328.05 | 301.05 | +1.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 420.25 | 409.55 | 382.65 | 355.15 | 328.15 | 301.25 | +1.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 420.85 | 410.05 | 395.55 | 368.45 | 331.15 | 304.05 | +6.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 427.65 | 416.65 | 389.05 | 361.45 | 333.95 | 306.35 | +8.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 426.55 | 415.75 | 388.55 | 361.45 | 334.35 | 307.15 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 426.55 | 415.75 | 388.55 | 361.45 | 334.35 | 307.15 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 428.85 | 418.25 | 391.25 | 363.75 | 336.85 | 309.85 | +0.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 431.05 | 420.15 | 398.15 | 371.05 | 338.85 | 311.65 | −0.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 431.05 | 425.25 | 398.15 | 371.05 | 338.85 | 311.65 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 431.35 | 420.65 | 393.65 | 366.25 | 339.25 | 312.35 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 431.35 | 420.65 | 393.65 | 366.25 | 339.25 | 312.35 | +1.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 432.85 | 426.65 | 394.75 | 367.45 | 340.15 | 312.95 | +3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 432.75 | 422.05 | 395.15 | 367.65 | 340.75 | 313.75 | −0.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 436.85 | 426.05 | 398.85 | 371.75 | 344.65 | 317.55 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 437.65 | 431.45 | 399.45 | 372.25 | 344.95 | 317.75 | +3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 437.75 | 427.05 | 400.15 | 372.65 | 345.75 | 318.75 | −0.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 438.45 | 427.65 | 400.45 | 373.35 | 346.25 | 319.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 438.45 | 427.65 | 400.45 | 373.35 | 346.25 | 319.05 | +6.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 440.35 | 429.55 | 402.35 | 375.25 | 348.15 | 323.75 | +6.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 442.15 | 431.35 | 404.15 | 377.05 | 349.95 | 322.85 | +8.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 442.15 | 431.35 | 404.15 | 377.05 | 349.95 | 322.85 | +10.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 443.95 | 433.05 | 405.75 | 378.55 | 351.25 | 324.05 | −30.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 443.65 | 432.95 | 406.05 | 378.55 | 351.65 | 324.65 | +0.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 446.35 | 435.35 | 407.65 | 379.85 | 352.25 | 324.55 | +6.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 449.15 | 438.35 | 411.15 | 384.05 | 356.95 | 329.75 | +6.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 449.65 | 438.75 | 411.55 | 384.25 | 356.95 | 329.75 | +4.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 451.05 | 440.15 | 412.85 | 385.65 | 358.35 | 331.05 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 452.45 | 441.65 | 414.55 | 387.35 | 360.25 | 333.15 | +8.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 452.45 | 441.65 | 414.55 | 387.35 | 360.25 | 333.15 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 452.75 | 442.15 | 415.15 | 387.65 | 360.75 | 333.75 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 457.65 | 451.45 | 419.55 | 392.25 | 364.95 | 337.75 | +3.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 457.95 | 447.05 | 420.05 | 392.85 | 365.65 | 338.65 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 458.55 | 447.65 | 420.45 | 393.15 | 365.85 | 338.65 | −19.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 461.85 | 450.95 | 423.75 | 396.45 | 369.15 | 341.95 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 461.35 | 450.55 | 423.45 | 396.25 | 369.25 | 342.05 | +6.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 461.35 | 450.55 | 423.45 | 396.25 | 369.25 | 342.05 | +6.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 461.65 | 450.85 | 423.75 | 396.55 | 369.55 | 342.35 | +6.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 462.15 | 451.35 | 424.15 | 397.25 | 369.95 | 342.85 | +5.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 464.75 | 454.05 | 427.05 | 399.65 | 372.65 | 345.65 | +1.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 466.55 | 455.65 | 428.45 | 401.15 | 373.95 | 346.65 | −32.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 467.25 | 460.95 | 429.05 | 401.75 | 374.55 | 347.25 | +3.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 468.05 | 457.25 | 430.15 | 402.95 | 375.95 | 348.75 | +10.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 471.65 | 460.55 | 432.85 | 405.15 | 377.45 | 349.75 | +12.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 471.95 | 465.75 | 433.85 | 406.55 | 379.25 | 352.05 | +3.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 473.25 | 462.55 | 435.35 | 408.15 | 381.15 | 353.95 | +10.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 469.05 | 458.25 | 431.05 | 406.55 | 381.95 | 359.85 | +6.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 481.75 | 470.95 | 443.75 | 416.65 | 389.55 | 362.35 | +4.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 476.65 | 465.85 | 438.65 | 414.15 | 389.55 | 367.45 | +8.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 481.75 | 470.85 | 443.75 | 416.65 | 389.55 | 362.35 | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 483.85 | 472.85 | 445.25 | 417.65 | 390.15 | 362.55 | +6.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 485.95 | 475.15 | 447.95 | 420.85 | 393.75 | 366.65 | +6.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 488.05 | 477.35 | 450.45 | 422.95 | 396.05 | 369.05 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 489.65 | 478.75 | 451.45 | 424.25 | 396.95 | 369.75 | +7.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 495.35 | 484.65 | 457.65 | 430.25 | 403.25 | 376.25 | −0.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 502.05 | 491.15 | 464.05 | 436.95 | 409.85 | 382.65 | +3.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 451.35 | 440.45 | 433.65 | 421.75 | 409.85 | 382.65 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 514.95 | 504.15 | 477.05 | 449.85 | 422.75 | 395.65 | +10.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 517.45 | 506.55 | 479.25 | 451.95 | 424.75 | 397.45 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 523.55 | 512.65 | 485.35 | 458.15 | 430.85 | 403.55 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 525.75 | 514.85 | 487.55 | 460.35 | 433.05 | 405.85 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 534.05 | 523.15 | 495.95 | 468.65 | 441.45 | 414.15 | +7.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 525.45 | 516.15 | 493.35 | 470.55 | 447.85 | 425.05 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 545.15 | 534.25 | 507.05 | 479.75 | 452.55 | 425.25 | +7.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 550.75 | 539.85 | 512.55 | 485.35 | 458.05 | 430.85 | +7.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 638.95 | 628.65 | 600.30 | 574.55 | 542.35 | 516.60 | +9.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 462.45 | 451.65 | 424.55 | 397.35 | — | 343.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 475.45 | 464.65 | 437.55 | 410.35 | — | 356.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 484.25 | 473.45 | 446.25 | 419.15 | — | 364.85 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 488.55 | 477.75 | 450.65 | 423.45 | — | 369.25 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 518.95 | 508.25 | 481.05 | 453.85 | — | 399.65 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 549.55 | 538.75 | 511.55 | 484.45 | — | 430.15 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Gimel for a young adult aged 19 to 25 with a deductible of 2'000 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/), the cheapest offer in [Gimel](https://praemiencheck.onedoc.ch/en/vd/gimel/) is Sanitas (Family doctor 1) at 286.65 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/) with a deductible of 2'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/), monthly premiums run from 286.65 CHF (Sanitas, Family doctor 1) to 542.35 CHF (vita surselva, 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: 375.35 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 378.95 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/deductible-300/) to 259.50 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/deductible-2500/): 119.45 CHF less a month, 1'433.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'893 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Gimel 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 2'000 CHF and without accident cover, the cheapest premium per model is: standard model 302.75 CHF (Sanitas), family doctor / HMO 286.65 CHF (Sanitas), flexible model 290.85 CHF (Sanitas), telemedicine 286.85 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 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 291.80 CHF at Sanitas (Family doctor 1) gives 286.65 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.

## 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: Gimel is in region 1 of canton Vaud.
- 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/vd/gimel/young-adult/no-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/vd/gimel/young-adult/no-accident/deductible-300/ — replace `vd` with your canton’s two-letter code (ge, vd, zh…), `gimel` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-2000` with `deductible-2500` for another deductible. Markdown version: add `.md`.