# Health insurance premiums 2026 in Sergey (VD), for a young adult aged 19 to 25

In 2026, for a young adult aged 19 to 25 in Sergey, the cheapest health insurance premium is:

- [Without accident cover](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/): **367.05 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-300/) (Groupe Mutuel – Philos, PrimaFlex), **248.05 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-2500/) (Groupe Mutuel – Philos, PrimaFlex).
- [With accident cover](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/): **395.15 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-300/) (Groupe Mutuel – Philos, PrimaFlex), **267.15 CHF** with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-2500/) (Groupe Mutuel – Philos, PrimaFlex).

## Without accident cover: from 248.05 to 591.25 CHF a month depending on the deductible and the model

105 offers from 21 health insurers. With a deductible of 300 CHF, the cheapest is **367.05 CHF** a month with **Groupe Mutuel – Philos** (PrimaFlex), the most expensive 591.25 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 367.05 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-300/
- 500 CHF: 356.45 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-500/
- 1'000 CHF: 329.45 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 301.95 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 275.05 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 248.05 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 367.05 | 356.45 | 329.45 | 301.95 | 275.05 | 248.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 369.65 | 358.95 | 331.75 | 304.55 | 277.55 | 250.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 370.65 | 359.95 | 333.05 | 305.55 | 278.65 | 251.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 371.85 | 361.05 | 333.85 | 306.75 | 279.65 | 252.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 374.85 | 364.05 | 336.85 | 309.65 | 282.60 | 255.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 374.95 | 364.15 | 336.95 | 309.75 | 282.65 | 255.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 375.05 | 368.75 | 336.85 | 309.55 | 282.35 | 255.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 376.35 | 365.65 | 338.45 | 311.25 | 284.25 | 257.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 377.75 | 366.95 | 339.65 | 312.35 | 285.15 | 257.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 377.75 | 366.95 | 339.65 | 312.35 | 285.15 | 257.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 378.05 | 367.35 | 340.35 | 312.95 | 285.95 | 259.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 378.15 | 367.15 | 339.45 | 311.65 | 284.05 | 256.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 378.15 | 367.25 | 340.15 | 313.05 | 285.85 | 258.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 378.80 | 368.00 | 340.80 | 313.60 | 286.55 | 259.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 378.80 | 368.00 | 340.80 | 313.60 | 286.55 | 259.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 378.80 | 368.00 | 340.80 | 313.60 | 286.55 | 259.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 378.95 | 368.15 | 340.95 | 313.75 | 286.65 | 259.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 378.95 | 368.15 | 340.95 | 313.75 | 286.65 | 259.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 380.45 | 369.65 | 342.55 | 315.35 | 288.35 | 261.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 381.25 | 370.15 | 342.45 | 314.75 | 287.05 | 259.35 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 382.05 | 372.65 | 348.95 | 325.45 | 301.85 | 274.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 382.45 | 371.75 | 344.75 | 317.35 | 290.35 | 263.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 383.75 | 373.05 | 346.15 | 318.65 | 291.75 | 264.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 385.55 | 374.55 | 346.85 | 319.05 | 291.45 | 263.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 387.15 | 376.25 | 349.15 | 322.05 | 294.95 | 267.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 387.15 | 376.25 | 349.15 | 322.05 | 294.95 | 267.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 388.15 | 377.45 | 350.45 | 323.05 | 296.05 | 269.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 388.75 | 377.95 | 350.85 | 323.65 | 296.55 | 269.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 390.35 | 379.65 | 352.65 | 325.25 | 298.25 | 271.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 390.75 | 379.95 | 352.75 | 325.55 | 298.45 | 271.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 393.05 | 382.25 | 360.65 | 333.55 | 306.45 | 292.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 395.35 | 384.55 | 357.45 | 330.25 | 303.15 | 284.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 395.55 | 384.85 | 357.85 | 330.45 | 303.45 | 276.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 396.15 | 385.35 | 358.15 | 331.05 | 303.95 | 276.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 396.45 | 385.45 | 357.85 | 330.25 | 302.75 | 275.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 396.45 | 385.45 | 357.85 | 330.25 | 302.75 | 275.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 397.85 | 391.65 | 359.75 | 332.45 | 305.25 | 277.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 398.45 | 387.55 | 360.35 | 333.35 | 306.15 | 279.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 402.85 | 392.15 | 365.15 | 337.75 | 310.75 | 283.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 404.15 | 393.35 | 378.35 | 351.25 | 314.35 | 287.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 405.15 | 394.45 | 367.55 | 340.05 | 313.15 | 286.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 405.15 | 394.45 | 367.55 | 340.05 | 313.15 | 286.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 405.65 | 394.75 | 367.15 | 339.55 | 312.05 | 284.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 406.55 | 395.65 | 368.35 | 341.15 | 313.85 | 286.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 406.55 | 395.75 | 368.55 | 341.45 | 314.35 | 287.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 406.55 | 395.75 | 368.55 | 341.45 | 314.35 | 287.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 407.35 | 396.35 | 368.55 | 340.85 | 313.15 | 285.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 411.65 | 400.85 | 373.65 | 346.55 | 319.45 | 292.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 411.65 | 400.85 | 373.65 | 346.55 | 319.45 | 292.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 411.65 | 400.85 | 373.65 | 346.55 | 319.45 | 292.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 413.75 | 402.95 | 375.85 | 348.65 | 321.65 | 297.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 413.95 | 403.05 | 380.85 | 353.65 | 321.65 | 294.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 413.95 | 407.95 | 380.85 | 353.65 | 321.65 | 294.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 415.25 | 409.05 | 377.15 | 349.85 | 322.65 | 295.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 416.45 | 405.65 | 378.55 | 351.35 | 324.35 | 297.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 416.75 | 405.95 | 378.85 | 351.65 | 324.55 | 297.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 416.75 | 406.05 | 379.15 | 351.65 | 324.65 | 297.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 418.15 | 407.35 | 380.25 | 353.05 | — | 298.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 419.85 | 413.65 | 381.65 | 354.45 | 327.15 | 299.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 420.75 | 409.85 | 382.55 | 355.35 | 328.05 | 300.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 421.95 | 411.25 | 384.05 | 356.85 | — | 302.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 425.55 | 414.65 | 387.45 | 360.15 | 332.85 | 305.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 426.35 | 415.55 | 388.35 | 361.25 | 334.15 | 307.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 426.35 | 415.55 | 388.35 | 361.25 | 334.15 | 307.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 426.85 | 415.95 | 388.75 | 361.45 | 334.25 | 306.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 428.05 | 417.35 | 390.15 | 362.95 | 335.95 | 308.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 428.45 | 417.65 | 390.55 | 363.35 | 336.35 | 309.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 428.65 | 417.75 | 390.45 | 363.25 | 335.95 | 308.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 429.05 | 417.95 | 390.25 | 362.55 | 334.85 | 307.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 431.85 | 421.15 | 394.15 | 366.75 | 339.75 | 312.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 431.85 | 420.75 | 393.05 | 365.35 | 337.65 | 309.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 432.75 | 422.05 | 395.15 | 367.65 | 340.75 | 313.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 433.05 | 422.15 | 394.85 | 367.55 | 340.35 | 313.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 433.45 | 422.55 | 414.95 | 402.45 | 389.95 | 362.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 437.15 | 426.35 | 399.25 | 372.05 | — | 317.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 439.05 | 432.85 | 400.95 | 373.65 | 346.35 | 319.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.85 | 429.05 | 401.85 | 374.85 | 347.65 | 320.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 440.15 | 429.35 | 402.25 | 375.05 | 348.05 | 320.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 440.15 | 429.35 | 402.25 | 375.05 | 348.05 | 320.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 440.95 | 430.15 | 403.05 | 375.85 | — | 321.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 441.05 | 430.25 | 403.05 | 375.95 | 348.85 | 321.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 445.75 | 434.85 | 407.75 | 380.65 | 353.55 | 326.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 445.95 | 435.15 | 408.05 | 380.85 | 353.75 | 326.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 448.25 | 441.95 | 410.05 | 382.85 | 355.55 | 328.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 450.45 | 439.65 | 412.45 | 387.75 | 363.15 | 340.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 452.85 | 446.55 | 414.65 | 387.35 | 360.15 | 332.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 455.25 | 444.45 | 417.25 | 390.15 | 363.05 | 335.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 457.75 | 446.95 | 419.75 | 395.15 | 370.45 | 348.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 458.45 | 447.75 | 420.85 | 393.35 | 366.45 | 339.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 458.95 | 448.05 | 420.45 | 392.85 | 365.35 | 337.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 462.65 | 451.75 | 424.65 | 397.55 | 370.45 | 343.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 463.55 | 452.65 | 425.35 | 398.15 | 370.85 | 343.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 463.65 | 452.85 | 425.65 | 398.55 | 371.45 | 344.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 467.55 | 456.75 | 429.65 | 402.45 | — | 348.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 482.15 | 471.25 | 444.15 | 417.05 | 389.95 | 362.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 485.15 | 474.45 | 447.25 | 420.05 | 393.05 | 365.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 492.65 | 481.75 | 454.45 | 427.25 | 399.95 | 372.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 494.15 | 483.35 | 456.25 | 429.05 | — | 374.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 499.55 | 488.65 | 461.35 | 434.15 | 406.85 | 379.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 500.55 | 489.65 | 462.45 | 435.15 | 407.95 | 380.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 504.25 | 494.95 | 472.15 | 449.35 | 426.65 | 403.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 508.55 | 497.65 | 470.35 | 443.15 | 415.85 | 388.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 519.15 | 508.25 | 480.95 | 453.65 | 426.45 | 399.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 524.45 | 513.55 | 486.25 | 458.95 | 431.75 | 404.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 591.25 | 580.50 | 555.45 | 525.65 | 495.85 | 466.00 |

105 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident.md

## With accident cover: from 267.15 to 594.85 CHF a month depending on the deductible and the model

105 offers from 21 health insurers. With a deductible of 300 CHF, the cheapest is **395.15 CHF** a month with **Groupe Mutuel – Philos** (PrimaFlex), the most expensive 594.85 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 395.15 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-300/
- 500 CHF: 383.65 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-500/
- 1'000 CHF: 354.65 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 325.15 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 296.15 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 267.15 CHF (Groupe Mutuel – Philos, PrimaFlex) — https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |
| [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 |

105 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Sergey for a young adult aged 19 to 25?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/): Groupe Mutuel – Philos (PrimaFlex) at 367.05 CHF a month with a [deductible of 300 CHF](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-300/), and Groupe Mutuel – Philos (PrimaFlex) at 248.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/deductible-2500/). [With accident cover](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/): Groupe Mutuel – Philos (PrimaFlex) at 395.15 CHF, and Groupe Mutuel – Philos (PrimaFlex) at 267.15 CHF.

### How much does accident cover cost in basic insurance in Sergey?

For a young adult aged 19 to 25 with Groupe Mutuel – Philos (PrimaFlex), the premium rises from 367.05 CHF a month [without accident cover](https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/) to 395.15 CHF with accident cover, at the 300 CHF deductible: 28.10 CHF a month, 337.20 CHF a year. You only need this cover if you are not already fully insured for accidents under the [Accident Insurance Act (UVG/LAA)](https://www.fedlex.admin.ch/eli/cc/1982/1676_1676_1676/en). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

### 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 372.20 CHF at Groupe Mutuel – Philos (PrimaFlex) gives 367.05 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.

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/sergey/young-adult/

## Related pages

- Without accident cover: from 248.05 to 591.25 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/no-accident/
- With accident cover: from 267.15 to 594.85 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/vd/sergey/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/vd/sergey/young-adult/ — replace `vd` with your canton’s two-letter code (ge, vd, zh…) and `sergey` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.