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Health insurance premiums 2026 in Illnau-Effretikon (ZH) For an adult aged 26 or over who wants a deductible of 2'000 CHF without accident cover

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127 offersfrom 27 health insurers

Adult (26 and over) · without accident cover · deductible of 2'000 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Illnau-Effretikon (canton Zurich), in 2026, for an adult aged 26 or over with a 2'000 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 319.25 CHF with rhenusana (sanmed24 model) and the most expensive is 477.35 CHF with Groupe Mutuel – Philos (Standard model).

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Frequently asked questions

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

In 2026, without accident cover, the cheapest offer in Illnau-Effretikon is rhenusana (sanmed24) at 319.25 CHF a month.

How much does health insurance cost in Illnau-Effretikon in 2026 for an adult aged 26 or over?

For an adult aged 26 or over with a deductible of 2'000 CHF and without accident cover, monthly premiums run from 319.25 CHF (rhenusana, sanmed24) to 477.35 CHF (Groupe Mutuel – Philos, Standard model): 127 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: 415.95 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (rhenusana, sanmed24), the premium goes from 411.35 CHF a month with the 300 CHF deductible to 295.95 CHF with the 2'500 CHF deductible: 115.40 CHF less a month, 1'384.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'839 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

Which model is the cheapest in Illnau-Effretikon 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 358.45 CHF (rhenusana), family doctor / HMO 321.15 CHF (rhenusana), flexible model 324.95 CHF (Assura), telemedicine 319.25 CHF (rhenusana).

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 324.40 CHF at rhenusana (sanmed24) gives 319.25 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.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.