# Health insurance premiums 2026 in Orges (VD), for a young adult aged 19 to 25 who wants a deductible of 2'500 CHF with accident cover

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

In [Orges](https://praemiencheck.onedoc.ch/en/vd/orges/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/) with a 2'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/with-accident/), the cheapest monthly basic insurance premium is **267.15 CHF** with **Groupe Mutuel – Philos** (PrimaFlex model) and the most expensive is 468.85 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 395.15 | 383.65 | 354.65 | 325.15 | 296.15 | 267.15 | +0.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 397.85 | 386.25 | 357.05 | 327.85 | 298.75 | 269.55 | +7.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 398.35 | 386.75 | 357.55 | 328.35 | 299.25 | 270.05 | +12.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 398.95 | 387.45 | 358.45 | 328.95 | 299.95 | 270.95 | +1.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 400.15 | 388.55 | 359.35 | 330.15 | 301.05 | 271.85 | +11.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 401.55 | 389.95 | 360.75 | 331.55 | 302.45 | 273.25 | +12.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 401.65 | 394.95 | 360.75 | 331.65 | 302.45 | 273.25 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 403.00 | 391.40 | 362.20 | 333.00 | 303.90 | 274.70 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 403.05 | 391.45 | 362.25 | 333.05 | 303.95 | 274.75 | New tariff 2026 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 404.35 | 392.75 | 363.55 | 334.35 | 305.25 | 276.05 | +6.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 404.35 | 392.75 | 363.55 | 334.35 | 305.25 | 276.05 | +6.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 405.15 | 393.55 | 364.35 | 335.15 | 306.05 | 276.85 | −1.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 406.15 | 394.55 | 365.35 | 336.15 | 307.05 | 277.85 | +12.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 406.95 | 395.25 | 366.05 | 336.95 | 307.75 | 278.55 | +0.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 406.85 | 395.35 | 366.35 | 336.85 | 307.85 | 278.85 | −0.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 407.25 | 395.65 | 366.45 | 337.25 | 308.15 | 278.95 | 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 3 | 407.25 | 395.65 | 366.45 | 337.25 | 308.15 | 278.95 | 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 4 | 407.25 | 395.65 | 366.45 | 337.25 | 308.15 | 278.95 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 407.35 | 395.75 | 366.55 | 337.35 | 308.25 | 279.05 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 407.35 | 395.75 | 366.55 | 337.35 | 308.25 | 279.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 409.45 | 397.85 | 368.65 | 339.45 | 310.35 | 281.15 | +9.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 411.55 | 400.05 | 371.05 | 341.55 | 312.55 | 283.55 | −0.9 % |
| [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 | 401.55 | 372.55 | 343.05 | 314.05 | 285.05 | +1.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 416.65 | 404.95 | 375.75 | 346.65 | 317.45 | 288.25 | +0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 416.65 | 404.95 | 375.75 | 346.65 | 317.45 | 288.25 | +1.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 417.75 | 406.25 | 377.25 | 347.75 | 318.75 | 289.75 | +1.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 418.35 | 406.75 | 377.55 | 348.35 | 319.25 | 290.05 | +9.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 419.75 | 408.15 | 378.95 | 349.75 | 320.65 | 291.45 | +9.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 419.75 | 408.15 | 378.95 | 349.75 | 320.65 | 291.45 | +9.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 420.05 | 408.45 | 379.25 | 350.05 | 320.95 | 291.75 | +2.0 % |
| [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 | 408.65 | 379.65 | 350.15 | 321.15 | 292.15 | +2.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 411.15 | 401.05 | 375.65 | 350.25 | 324.85 | 295.95 | +5.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 425.75 | 414.25 | 385.25 | 355.75 | 326.75 | 297.75 | −0.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 426.05 | 419.45 | 385.25 | 356.05 | 326.95 | 297.75 | +4.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 426.35 | 414.65 | 385.45 | 356.35 | 327.15 | 297.95 | +0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 428.75 | 417.05 | 387.85 | 358.75 | 329.55 | 300.35 | −0.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 429.05 | 417.45 | 388.25 | 359.05 | 329.95 | 300.75 | +12.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 429.55 | 417.95 | 388.75 | 359.55 | 330.45 | 301.25 | +9.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 433.55 | 422.05 | 393.05 | 363.55 | 334.55 | 305.55 | +0.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 425.55 | 413.95 | 384.75 | 355.55 | 326.45 | 306.25 | +8.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 435.15 | 423.45 | 394.25 | 365.15 | 335.95 | 306.75 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 436.05 | 424.55 | 395.55 | 366.05 | 337.05 | 308.05 | +0.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 436.05 | 424.55 | 395.55 | 366.05 | 337.05 | 308.05 | +1.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 437.45 | 425.85 | 396.65 | 367.45 | 338.35 | 309.15 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 437.45 | 425.85 | 396.65 | 367.45 | 338.35 | 309.15 | +9.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 434.95 | 423.35 | 407.25 | 378.05 | 338.45 | 309.25 | +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 R1 | 442.95 | 431.35 | 402.15 | 372.95 | 343.85 | 314.65 | +10.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 442.95 | 431.35 | 402.15 | 372.95 | 343.85 | 314.65 | +10.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 442.95 | 431.35 | 402.15 | 372.95 | 343.85 | 314.65 | +10.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 423.05 | 411.45 | 388.25 | 359.05 | 329.95 | 314.75 | +8.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 444.65 | 438.05 | 403.85 | 374.65 | 345.55 | 316.35 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 445.45 | 433.75 | 409.85 | 380.65 | 346.25 | 317.15 | −0.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 445.45 | 439.05 | 409.85 | 380.65 | 346.25 | 317.15 | +6.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 448.15 | 436.55 | 407.35 | 378.15 | 349.05 | 319.85 | +10.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 445.35 | 433.75 | 404.55 | 375.35 | 346.25 | 320.05 | +6.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 448.45 | 436.85 | 407.65 | 378.45 | 349.35 | 320.15 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 448.55 | 437.05 | 408.05 | 378.55 | 349.55 | 320.55 | +0.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 449.55 | 442.95 | 408.75 | 379.55 | 350.45 | 321.25 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 450.05 | 438.45 | 409.25 | 380.05 | — | 321.75 | +1.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 450.55 | 438.85 | 409.75 | 380.55 | 351.35 | 322.25 | −29.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 451.85 | 440.25 | 411.05 | 381.85 | 352.75 | 323.55 | +12.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 454.15 | 442.55 | 413.35 | 384.15 | — | 325.85 | +7.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 454.85 | 443.15 | 414.05 | 384.85 | 355.65 | 326.55 | +14.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 455.65 | 444.05 | 414.85 | 385.65 | 356.55 | 327.35 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 457.15 | 445.45 | 416.25 | 387.15 | 357.95 | 328.75 | 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 | 458.75 | 447.15 | 417.95 | 388.75 | 359.65 | 330.45 | +10.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 458.75 | 447.15 | 417.95 | 388.75 | 359.65 | 330.45 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 458.95 | 447.35 | 418.15 | 388.95 | 359.85 | 330.65 | −20.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 460.65 | 449.05 | 419.85 | 390.65 | 361.55 | 332.35 | +9.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 461.05 | 449.45 | 420.25 | 391.05 | 361.95 | 332.75 | +8.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 463.65 | 451.95 | 422.85 | 393.65 | 364.45 | 335.35 | −33.8 % |
| [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 | 453.25 | 424.25 | 394.75 | 365.75 | 336.75 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 465.75 | 454.25 | 425.25 | 395.75 | 366.75 | 337.75 | −0.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 470.15 | 463.45 | 429.35 | 400.15 | 370.95 | 341.85 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 470.45 | 458.85 | 429.65 | 400.45 | — | 342.15 | +6.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 473.25 | 461.65 | 432.45 | 403.35 | 374.15 | 344.95 | +5.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 473.65 | 462.05 | 432.85 | 403.65 | 374.55 | 345.35 | +7.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 473.65 | 462.05 | 432.85 | 403.65 | 374.55 | 345.35 | +7.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 474.55 | 462.95 | 433.75 | 404.55 | — | 346.25 | +4.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 474.55 | 462.95 | 433.75 | 404.55 | 375.45 | 346.25 | +12.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 479.65 | 467.95 | 438.75 | 409.65 | 380.45 | 351.25 | +0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 479.85 | 468.25 | 439.05 | 409.85 | 380.75 | 351.55 | +12.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 479.95 | 473.25 | 439.15 | 409.95 | 380.75 | 351.65 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 484.85 | 478.15 | 443.95 | 414.85 | 385.65 | 356.45 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 485.95 | 474.35 | 445.15 | 415.95 | 386.85 | 357.65 | +7.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 489.85 | 478.25 | 449.05 | 419.85 | 390.75 | 361.55 | +4.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 493.35 | 481.85 | 452.85 | 423.35 | 394.35 | 365.35 | +0.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 484.75 | 473.05 | 443.95 | 417.35 | 390.85 | 366.85 | +5.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 496.35 | 484.65 | 455.55 | 426.35 | 397.15 | 368.05 | +8.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 497.85 | 486.15 | 457.05 | 427.85 | 398.65 | 369.55 | +7.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 498.85 | 487.25 | 458.05 | 428.85 | 399.75 | 370.55 | +7.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 492.65 | 480.95 | 451.75 | 425.25 | 398.65 | 374.75 | +8.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 503.15 | 491.55 | 462.35 | 433.15 | — | 374.85 | +6.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 518.75 | 507.15 | 477.95 | 448.75 | 419.65 | 390.45 | +4.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 466.45 | 454.75 | 446.55 | 433.05 | 419.65 | 390.45 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 522.05 | 510.45 | 481.25 | 452.05 | 422.95 | 393.75 | +11.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 527.45 | 515.85 | 486.65 | 457.45 | 428.35 | 399.15 | +7.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 531.75 | 520.15 | 490.95 | 461.75 | — | 403.45 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 534.85 | 523.15 | 494.05 | 464.85 | 435.65 | 406.55 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 535.95 | 524.35 | 495.15 | 465.95 | 436.85 | 407.65 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 544.45 | 532.75 | 503.65 | 474.45 | 445.25 | 416.15 | +7.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 555.75 | 544.15 | 514.95 | 485.75 | 456.65 | 427.45 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 561.45 | 549.75 | 520.65 | 491.45 | 462.25 | 433.15 | +7.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 542.55 | 532.55 | 508.05 | 483.55 | 459.15 | 434.55 | +7.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 594.85 | 584.05 | 558.85 | 528.85 | 498.85 | 468.85 | +6.8 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Orges for a young adult aged 19 to 25 with a deductible of 2'500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/with-accident/), the cheapest offer in [Orges](https://praemiencheck.onedoc.ch/en/vd/orges/) is Groupe Mutuel – Philos (PrimaFlex) at 267.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 291.75 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/) with a deductible of 2'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/with-accident/), monthly premiums run from 267.15 CHF (Groupe Mutuel – Philos, PrimaFlex) to 468.85 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: 347.15 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Groupe Mutuel – Philos, PrimaFlex), the premium goes from 395.15 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/orges/young-adult/with-accident/deductible-300/) to 267.15 CHF with the 2'500 CHF deductible: 128.00 CHF less a month, 1'536.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'007 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Orges 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 2'500 CHF and with accident cover, the cheapest premium per model is: standard model 291.75 CHF (Sanitas), family doctor / HMO 269.55 CHF (Assura), flexible model 267.15 CHF (Groupe Mutuel – Philos), telemedicine 273.25 CHF (Atupri).

### 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 272.30 CHF at Groupe Mutuel – Philos (PrimaFlex) gives 267.15 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: Orges is in region 2 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/orges/young-adult/with-accident/deductible-300/

## Related pages

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

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