# Health insurance premiums 2026 in Rovray (VD), for an adult aged 26 or over who wants a deductible of 2'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · without accident cover · monthly premiums in CHF_

In [Rovray](https://praemiencheck.onedoc.ch/en/vd/rovray/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2026, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/) with a 2'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/no-accident/), the cheapest monthly basic insurance premium is **402.45 CHF** with **Assura** (PharMed model) and the most expensive is 572.95 CHF with rhenusana (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 494.55 | 483.85 | 456.65 | 429.45 | 402.45 | 375.25 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 497.45 | 486.65 | 459.55 | 432.35 | 405.35 | 378.15 | +9.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 504.65 | 493.95 | 466.95 | 439.55 | 412.55 | 385.55 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 507.35 | 496.35 | 468.65 | 440.85 | 413.25 | 385.45 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 509.05 | 498.25 | 471.05 | 443.95 | 416.85 | 389.65 | +8.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 509.55 | 498.65 | 471.35 | 444.15 | 416.85 | 389.65 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 511.45 | 500.45 | 472.75 | 444.95 | 417.35 | 389.55 | +6.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 510.45 | 499.65 | 472.45 | 445.35 | 418.25 | 391.15 | +0.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 512.25 | 501.35 | 474.05 | 446.85 | 419.55 | 392.35 | 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 | 513.15 | 502.35 | 475.05 | 447.75 | 420.55 | 393.25 | +5.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 513.15 | 502.35 | 475.05 | 447.75 | 420.55 | 393.25 | +5.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 514.55 | 503.75 | 483.15 | 455.95 | 422.35 | 395.25 | +6.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 517.25 | 506.25 | 478.45 | 450.75 | 423.15 | 395.35 | +6.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 515.75 | 505.05 | 477.85 | 450.65 | 423.65 | 396.45 | +9.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 515.75 | 505.05 | 477.85 | 450.65 | 423.65 | 396.45 | +9.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 515.75 | 505.05 | 477.85 | 450.65 | 423.65 | 396.45 | +9.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 512.75 | 502.55 | 476.95 | 450.95 | 425.25 | 399.65 | −1.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 517.75 | 506.95 | 479.75 | 452.55 | 425.45 | 398.35 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 517.85 | 506.95 | 486.35 | 459.25 | 425.65 | 398.45 | +5.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 519.75 | 509.05 | 481.85 | 454.65 | 427.65 | 400.45 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 519.95 | 509.15 | 482.05 | 454.85 | 427.85 | 400.65 | +8.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 521.95 | 511.15 | 483.95 | 456.85 | 429.75 | 402.65 | +9.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 522.25 | 511.45 | 484.25 | 457.15 | 430.05 | 402.85 | +3.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 525.75 | 514.85 | 487.55 | 460.35 | 433.05 | 405.85 | −19.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 526.35 | 515.65 | 488.75 | 461.25 | 434.35 | 407.35 | +3.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 530.25 | 519.25 | 491.65 | 464.05 | 436.55 | 408.95 | +8.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 530.25 | 519.25 | 491.65 | 464.05 | 436.55 | 408.95 | +8.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 528.85 | 518.05 | 490.95 | 463.75 | 436.65 | 420.65 | +7.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 517.95 | 508.55 | 484.95 | 461.35 | 437.75 | 409.35 | +4.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 532.15 | 521.35 | 494.25 | 467.05 | 439.95 | 412.85 | +3.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 532.15 | 521.35 | 494.25 | 467.05 | 439.95 | 412.85 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 525.75 | 514.95 | 495.25 | 468.15 | 441.05 | 429.75 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 534.35 | 523.45 | 496.15 | 468.95 | 441.65 | 414.35 | +7.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 529.45 | 519.25 | 493.65 | 467.65 | 441.95 | 416.45 | +4.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 534.25 | 523.45 | 496.25 | 469.15 | 442.05 | 414.85 | +9.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 534.25 | 523.45 | 496.25 | 469.15 | 442.05 | 414.85 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 534.45 | 523.75 | 496.85 | 469.35 | 442.45 | 415.45 | +3.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 534.75 | 524.05 | 497.05 | 469.65 | 442.65 | 415.65 | +3.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 536.30 | 525.50 | 498.35 | 471.15 | 444.05 | 416.85 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 536.95 | 526.15 | 498.95 | 471.85 | 444.75 | 417.55 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 537.75 | 531.55 | 499.65 | 472.35 | 445.05 | 417.85 | +3.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 537.75 | 531.55 | 499.65 | 472.35 | 445.05 | 417.85 | +3.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 540.55 | 529.75 | 509.05 | 481.95 | 448.35 | 421.25 | +1.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 542.55 | 531.55 | 503.95 | 476.35 | 448.85 | 421.25 | +8.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 543.65 | 532.95 | 505.75 | 478.55 | 451.55 | 424.35 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 543.65 | 532.95 | 505.75 | 478.55 | 451.55 | 424.35 | +7.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 543.75 | 533.05 | 506.15 | 478.65 | 451.75 | 424.75 | +4.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 546.35 | 535.35 | 507.55 | 479.85 | 452.15 | 424.45 | +6.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 544.55 | 533.65 | 506.55 | 479.45 | 452.25 | 425.25 | +3.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 546.85 | 536.25 | 509.25 | 481.75 | 454.85 | 427.85 | +3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 547.25 | 536.55 | 509.55 | 482.15 | 455.15 | 428.25 | +3.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 547.55 | 536.85 | 509.65 | 482.45 | 455.45 | 428.25 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 551.55 | 540.65 | 513.45 | 486.15 | 458.95 | 431.65 | −14.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 551.55 | 540.65 | 513.45 | 486.15 | 458.95 | 431.65 | 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 | 551.25 | 540.55 | 513.55 | 486.15 | 459.15 | 432.25 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 551.55 | 540.75 | 513.55 | 486.45 | 459.35 | 432.15 | +6.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 551.55 | 540.75 | 513.55 | 486.45 | 459.35 | 432.15 | +6.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 552.55 | 541.75 | 514.55 | 487.45 | 460.35 | 433.25 | +10.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 553.45 | 542.65 | 515.45 | 488.35 | 461.25 | 437.85 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 548.85 | 538.55 | 513.05 | 486.95 | 461.35 | 435.75 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 557.25 | 546.35 | 519.05 | 491.75 | 464.55 | 437.25 | −28.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 558.65 | 547.85 | 520.75 | 493.55 | 466.55 | 439.35 | +10.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 561.35 | 550.55 | 523.35 | 496.15 | 469.05 | 441.85 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 566.05 | 555.35 | 528.45 | 500.95 | 474.05 | 447.05 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 567.40 | 556.60 | 529.45 | 502.25 | 475.15 | 447.95 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 570.45 | 564.25 | 532.25 | 505.05 | 477.75 | 450.55 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 570.45 | 564.25 | 532.25 | 505.05 | 477.75 | 450.55 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 572.55 | 561.75 | 534.55 | 507.45 | 480.35 | 453.25 | +7.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 575.35 | 564.25 | 536.55 | 508.85 | 481.15 | 453.45 | +6.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 573.65 | 562.85 | 535.65 | 508.50 | 481.40 | 454.20 | 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 | 573.65 | 562.85 | 535.65 | 508.50 | 481.40 | 454.20 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 573.75 | 562.95 | 535.85 | 508.65 | 481.55 | 454.35 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 569.85 | 558.95 | 538.35 | 511.15 | 484.05 | 456.95 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 577.65 | 566.75 | 539.55 | 512.25 | 485.05 | 457.75 | +7.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 580.75 | 570.05 | 542.85 | 515.65 | 488.65 | 461.45 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 583.55 | 577.25 | 545.35 | 518.15 | 490.85 | 463.55 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 585.75 | 574.85 | 547.55 | 520.35 | 493.05 | 465.85 | +6.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 579.55 | 568.65 | 548.05 | 520.95 | 493.85 | 466.65 | +8.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 587.15 | 576.15 | 548.85 | 521.65 | 494.35 | 467.05 | +3.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 586.95 | 576.05 | 548.85 | 521.55 | 494.35 | 467.05 | +6.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 593.45 | 582.35 | 554.65 | 526.95 | 499.25 | 471.55 | +12.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 596.05 | 585.25 | 558.15 | 531.05 | 503.85 | 476.75 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 599.05 | 588.15 | 567.55 | 540.45 | 513.35 | 486.15 | +6.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 607.75 | 596.95 | 569.85 | 542.65 | 515.65 | 488.45 | +10.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 608.65 | 597.75 | 570.55 | 543.25 | 516.05 | 488.75 | +6.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 608.65 | 597.85 | 570.75 | 543.55 | 516.45 | 489.35 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 613.65 | 602.75 | 575.15 | 547.55 | 520.05 | 492.45 | +6.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 612.45 | 601.65 | 574.45 | 547.35 | 520.25 | 493.15 | +3.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 614.85 | 603.95 | 576.75 | 549.45 | 522.15 | 494.95 | +6.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 615.15 | 604.45 | 577.45 | 550.05 | 523.05 | 496.05 | +3.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 616.55 | 605.85 | 578.85 | 551.45 | 524.45 | 497.45 | +2.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 617.25 | 606.45 | 579.25 | 552.15 | 525.05 | 497.85 | +0.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 560.05 | 549.25 | 541.55 | 533.95 | 526.25 | 499.15 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 622.55 | 611.85 | 584.95 | 557.45 | 530.55 | 503.55 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 642.35 | 636.15 | 604.15 | 576.95 | 549.65 | 522.45 | +3.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 644.55 | 633.65 | 606.55 | 579.45 | 552.25 | 525.15 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 648.85 | 642.65 | 610.75 | 583.45 | 556.25 | 528.95 | +3.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 658.85 | 648.90 | 619.00 | 592.45 | 565.90 | 532.70 | +5.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 665.15 | 654.35 | 627.25 | 600.05 | 572.95 | 546.15 | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 517.95 | 507.15 | 480.05 | 452.85 | — | 398.65 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 523.05 | 512.35 | 485.15 | 457.95 | — | 403.75 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 543.25 | 532.45 | 505.35 | 478.15 | — | 423.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 548.25 | 537.55 | 510.35 | 483.15 | — | 428.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 583.65 | 572.85 | 545.65 | 518.55 | — | 464.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 618.95 | 608.15 | 581.05 | 553.85 | — | 499.65 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Rovray for an adult aged 26 or over with a deductible of 2'000 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/no-accident/), the cheapest offer in [Rovray](https://praemiencheck.onedoc.ch/en/vd/rovray/) is Assura (PharMed) at 402.45 CHF a month. The cheapest standard model (free choice of doctor) is Galenos (Standard model) at 464.55 CHF a month.

### How much does health insurance cost in Rovray in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/) with a deductible of 2'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/no-accident/), monthly premiums run from 402.45 CHF (Assura, PharMed) to 572.95 CHF (rhenusana, 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: 501.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Rovray for an adult aged 26 or over without accident cover?

On the cheapest offer (Assura, PharMed), the premium goes from 494.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/no-accident/deductible-300/) to 375.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/rovray/adult/no-accident/deductible-2500/): 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Rovray for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 2'000 CHF and without accident cover, the cheapest premium per model is: standard model 464.55 CHF (Galenos), family doctor / HMO 402.45 CHF (Assura), flexible model 405.35 CHF (Assura), telemedicine 412.55 CHF (Groupe Mutuel – Philos).

### 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 407.60 CHF at Assura (PharMed) gives 402.45 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: Rovray 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/rovray/adult/no-accident/deductible-300/

## Related pages

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

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