# Health insurance premiums 2026 in Cham (ZG), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF with accident cover

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

In [Cham](https://praemiencheck.onedoc.ch/en/zg/cham/) ([canton Zug](https://praemiencheck.onedoc.ch/en/zg/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/) with a 1'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/), the cheapest monthly basic insurance premium is **199.55 CHF** with **Visana** (Combi Care model) and the most expensive is 367.95 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 240.35 | 233.65 | 199.55 | 170.35 | 154.55 | 150.65 | −16.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 239.55 | 229.45 | 204.45 | 179.35 | 154.25 | 144.65 | −9.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 246.65 | 235.05 | 205.85 | 176.65 | 148.05 | 148.05 | −15.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 246.75 | 235.05 | 205.85 | 176.75 | 148.75 | 148.75 | −17.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 246.75 | 235.05 | 205.85 | 176.75 | 148.75 | 148.75 | −17.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 249.55 | 237.95 | 208.75 | 179.55 | 150.45 | 148.75 | −15.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 249.55 | 237.95 | 208.75 | 179.55 | 150.45 | 148.75 | −17.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 251.05 | 239.35 | 210.15 | 181.05 | 151.85 | 148.75 | −18.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 252.45 | 240.85 | 211.65 | 182.45 | 153.35 | 148.05 | −15.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 254.75 | 243.25 | 214.25 | 184.75 | 155.75 | 154.65 | −19.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 256.05 | 244.45 | 215.25 | 186.05 | 164.05 | 164.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 256.05 | 244.45 | 215.25 | 186.05 | 164.05 | 164.05 | −6.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 252.35 | 241.75 | 215.35 | 188.95 | 162.55 | 146.75 | −10.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 256.25 | 244.75 | 215.75 | 186.25 | 157.25 | 154.65 | −19.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 257.75 | 246.25 | 217.25 | 187.75 | 158.75 | 154.65 | −19.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 258.25 | 246.65 | 217.45 | 188.25 | 159.15 | 148.05 | −15.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 256.55 | 245.85 | 219.05 | 192.15 | 165.35 | 149.35 | −10.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 261.85 | 250.35 | 221.35 | 191.85 | 162.85 | 159.95 | −20.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 263.65 | 252.15 | 223.15 | 193.65 | 164.65 | 154.65 | −19.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 264.95 | 253.45 | 224.45 | 194.95 | 165.95 | 159.95 | −20.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 266.05 | 254.45 | 225.25 | 196.05 | 166.95 | 151.35 | −13.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 266.85 | 260.25 | 226.05 | 196.85 | 171.85 | 150.65 | −16.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 266.85 | 260.25 | 226.05 | 196.85 | 171.85 | 150.65 | −16.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 269.95 | 258.35 | 229.15 | 199.95 | 170.85 | 164.85 | −5.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 270.45 | 258.85 | 229.65 | 200.45 | 171.35 | 167.55 | −8.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 271.05 | 259.55 | 230.55 | 201.05 | 172.05 | 159.95 | −20.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 271.75 | 260.15 | 230.95 | 201.75 | 172.65 | 164.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 273.35 | 261.75 | 232.55 | 203.35 | 174.25 | 164.05 | −6.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 274.15 | 267.45 | 233.25 | 204.15 | 176.55 | 150.65 | −16.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 274.05 | 262.55 | 233.55 | 204.05 | 175.05 | 159.95 | −20.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 274.75 | 268.05 | 233.85 | 204.75 | 176.85 | 150.65 | −16.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 274.85 | 263.25 | 234.05 | 204.85 | 175.75 | 164.05 | −6.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 277.05 | 265.45 | 236.25 | 207.05 | 177.95 | 167.55 | −5.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 279.05 | 267.35 | 238.25 | 209.05 | 179.85 | 161.25 | −23.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 279.35 | 267.75 | 238.55 | 209.35 | 180.25 | 164.85 | −5.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 279.35 | 267.65 | 238.55 | 209.35 | 180.15 | 162.75 | −10.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 274.65 | 264.65 | 239.25 | 213.85 | 188.45 | 176.55 | −13.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 270.95 | 259.35 | 240.15 | 210.95 | 181.85 | 160.75 | −10.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 280.65 | 269.15 | 240.15 | 210.65 | 181.65 | 175.55 | −14.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 281.05 | 269.35 | 240.25 | 211.05 | 181.85 | 152.75 | −17.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 276.25 | 266.05 | 240.35 | 214.65 | 189.05 | 163.35 | −8.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 282.15 | 270.55 | 241.35 | 212.15 | 183.05 | 160.75 | −12.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 282.85 | 276.15 | 242.05 | 212.85 | 183.65 | 154.55 | −15.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 283.25 | 271.65 | 242.45 | 213.25 | 184.15 | 154.95 | −9.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 283.25 | 271.65 | 242.45 | 213.25 | 184.15 | 154.95 | −7.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 283.55 | 271.95 | 242.75 | 213.55 | 184.45 | 167.55 | −5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 283.65 | 272.05 | 242.85 | 213.65 | 184.55 | 156.70 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 283.75 | 272.15 | 242.95 | 213.75 | 184.65 | 160.75 | −11.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 283.75 | 272.15 | 242.95 | 213.75 | 184.65 | 156.45 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 284.15 | 272.55 | 243.35 | 214.15 | 185.05 | 164.85 | −5.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 284.25 | 272.65 | 243.45 | 214.25 | 185.15 | 155.95 | −16.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 285.75 | 279.05 | 244.95 | 215.75 | 186.55 | 157.45 | −15.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 285.85 | 274.25 | 245.05 | 215.85 | 186.75 | 160.75 | −22.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 285.85 | 274.25 | 245.05 | 215.85 | 186.75 | 161.25 | −21.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 286.65 | 275.05 | 245.85 | 216.65 | 187.55 | 158.35 | 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 | 286.65 | 275.05 | 245.85 | 216.65 | 187.55 | 158.35 | 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 | 286.65 | 275.05 | 245.85 | 216.65 | 187.55 | 158.35 | New tariff 2026 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 282.65 | 272.25 | 245.95 | 219.65 | 193.45 | 167.25 | −10.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 286.75 | 275.15 | 245.95 | 216.75 | 187.65 | 158.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 286.75 | 275.15 | 245.95 | 216.75 | 187.65 | 158.45 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 287.25 | 275.65 | 246.45 | 217.25 | 188.15 | 164.85 | −5.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 284.05 | 275.65 | 246.45 | 217.25 | 184.85 | 170.55 | −14.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 287.25 | 275.65 | 246.45 | 217.25 | 188.15 | 179.75 | −19.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 287.25 | 275.65 | 246.45 | 217.25 | 188.15 | 179.75 | −19.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 287.25 | 275.65 | 246.45 | 217.25 | 188.15 | 179.75 | −17.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 287.45 | 275.85 | 246.65 | 217.55 | 188.35 | 167.85 | −13.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 287.35 | 275.85 | 246.85 | 217.35 | 188.35 | 175.55 | −14.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 288.45 | 276.85 | 247.65 | 218.45 | 189.35 | 167.55 | −5.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 288.65 | 277.05 | 247.85 | 218.65 | 189.55 | 161.25 | New tariff 2026 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 285.85 | 275.35 | 248.75 | 222.15 | 195.65 | 169.15 | −10.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 290.15 | 278.65 | 249.65 | 220.15 | 191.15 | 162.15 | −18.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 290.65 | 279.05 | 249.85 | 220.65 | 191.55 | 179.75 | −19.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 290.65 | 279.15 | 250.15 | 220.65 | 191.65 | 175.55 | −14.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 292.45 | 280.85 | 251.65 | 222.45 | 193.35 | 167.55 | −5.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 293.55 | 281.85 | 252.75 | 223.55 | 194.35 | 165.25 | −7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 295.75 | 284.15 | 254.95 | 225.75 | 196.65 | 167.45 | −9.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 296.25 | 284.65 | 255.45 | 226.25 | — | 167.95 | −12.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 296.25 | 284.65 | 255.45 | 226.25 | — | 167.95 | −14.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 296.25 | 284.65 | 255.45 | 226.25 | — | 167.95 | −15.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 296.25 | 284.65 | 255.45 | 226.25 | — | 167.95 | −10.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 297.55 | 285.95 | 256.75 | 227.55 | 198.45 | 179.75 | −19.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 297.55 | 285.95 | 256.75 | 227.55 | 198.45 | 179.75 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 297.95 | 286.35 | 257.15 | 227.95 | 198.85 | 169.65 | 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 | 298.75 | 287.05 | 257.85 | 230.35 | 202.85 | 176.95 | −13.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 296.85 | 286.05 | 259.25 | 232.45 | 205.65 | 178.85 | −4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 296.85 | 286.05 | 259.25 | 232.45 | 205.65 | 178.85 | −4.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 299.95 | 288.45 | 259.45 | 229.95 | 200.95 | 171.95 | −20.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 292.15 | 280.55 | 259.55 | 230.35 | 194.65 | 170.55 | −14.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 300.65 | 289.15 | 260.15 | 230.65 | 201.65 | 175.55 | −14.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 302.05 | 290.45 | 261.25 | 232.05 | 202.95 | 183.95 | −17.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 302.15 | 290.55 | 261.35 | 232.15 | — | 173.85 | −17.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 305.25 | 293.55 | 264.45 | 235.25 | 206.05 | 176.95 | −15.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 305.45 | 293.75 | 264.55 | 235.45 | 206.25 | 177.05 | −28.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 307.85 | 296.25 | 267.05 | 237.85 | 208.75 | 179.75 | −18.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 309.25 | 297.65 | 268.45 | 239.25 | 210.25 | 194.25 | +9.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 309.45 | 297.85 | 268.65 | 239.45 | 210.35 | 181.15 | −6.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 310.95 | 299.35 | 270.15 | 240.95 | 211.85 | 182.65 | −4.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 311.25 | 299.65 | 270.45 | 241.25 | 212.15 | 182.95 | −18.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 311.75 | 300.15 | 270.95 | 243.45 | 215.85 | 189.95 | −13.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 312.65 | 300.95 | 271.85 | 242.65 | 213.45 | 184.35 | −17.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 314.65 | 303.05 | 273.85 | 244.65 | 215.55 | 186.35 | −10.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 315.65 | 304.05 | 274.85 | 245.65 | — | 187.35 | −17.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 316.35 | 304.75 | 275.55 | 246.45 | 217.25 | 188.05 | −13.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 316.35 | 304.75 | 275.55 | 246.35 | 217.25 | 201.35 | +7.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 317.15 | 305.50 | 276.30 | 247.15 | 218.25 | 188.80 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 319.75 | 308.05 | 278.85 | 249.75 | 220.55 | 191.35 | −17.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 320.60 | 308.90 | 279.75 | 252.00 | 224.55 | 197.20 | −0.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 321.55 | 309.95 | 280.75 | 251.55 | 222.45 | 193.25 | −13.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 322.95 | 311.35 | 282.15 | 252.95 | 223.85 | 194.65 | −5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 323.05 | 311.45 | 282.25 | 253.05 | 223.95 | 194.85 | −4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 323.25 | 311.55 | 282.45 | 253.25 | 224.05 | 194.95 | −17.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 329.05 | 317.55 | 288.55 | 259.05 | 230.05 | 201.05 | −14.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 330.25 | 318.65 | 289.45 | 260.25 | 231.15 | 201.95 | −17.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 337.35 | 325.65 | 296.55 | 267.35 | 238.15 | 209.05 | −17.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 337.70 | 326.05 | 296.90 | 267.70 | 238.55 | 209.55 | 0.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 338.85 | 327.25 | 298.05 | 268.85 | 239.75 | 210.55 | −18.0 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 343.15 | 331.55 | 302.35 | 273.15 | 244.05 | 215.45 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 347.95 | 336.25 | 307.05 | 277.95 | 248.75 | 219.55 | −17.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 348.05 | 336.45 | 307.25 | 278.05 | 248.95 | 219.75 | +7.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 369.75 | 360.75 | 338.25 | 315.75 | 292.75 | 270.25 | +6.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 388.05 | 376.45 | 347.55 | 318.05 | 294.05 | 271.05 | +6.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 408.00 | 396.55 | 367.25 | 338.05 | 308.95 | 279.85 | 0.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 402.25 | 392.25 | 367.75 | 343.25 | 318.75 | 294.25 | +6.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 404.85 | 394.60 | 367.95 | 335.15 | 306.45 | 277.75 | +7.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Cham for a young adult aged 19 to 25 with a deductible of 1'000 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/), the cheapest offer in [Cham](https://praemiencheck.onedoc.ch/en/zg/cham/) is Visana (Combi Care) at 199.55 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 238.55 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/) with a deductible of 1'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/), monthly premiums run from 199.55 CHF (Visana, Combi Care) to 367.95 CHF (vita surselva, Standard model): 124 offers from 27 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: 222.35 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Visana, Combi Care), the premium goes from 240.35 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/) to 150.65 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-2500/): 89.70 CHF less a month, 1'076.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'496 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Cham 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 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 238.55 CHF (Agrisano), family doctor / HMO 205.85 CHF (CONCORDIA), flexible model 199.55 CHF (Visana), telemedicine 204.45 CHF (Agrisano).

### 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 204.70 CHF at Visana (Combi Care) gives 199.55 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: Cham is in region 0 of canton Zug.
- 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/zg/cham/young-adult/with-accident/deductible-300/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/ — replace `zg` with your canton’s two-letter code (ge, vd, zh…), `cham` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.