# Health insurance premiums 2026 in Rafz (ZH), for an adult aged 26 or over with accident cover

In 2026, for an adult aged 26 or over in Rafz, with accident cover, the cheapest health insurance premium is:

- **422.65 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **312.25 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart)

## With accident cover: from 312.25 to 612.65 CHF a month depending on the deductible and the model

127 offers from 27 health insurers. With a deductible of 300 CHF, the cheapest is **422.65 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 612.65 CHF with Groupe Mutuel – Philos (Standard model).

Lowest premium:
- 300 CHF: 422.65 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-300/
- 500 CHF: 412.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-500/
- 1'000 CHF: 387.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-1000/
- 1'500 CHF: 362.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-1500/
- 2'000 CHF: 337.35 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-2000/
- 2'500 CHF: 312.25 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 422.65 | 412.55 | 387.55 | 362.45 | 337.35 | 312.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 434.25 | 424.05 | 398.35 | 372.65 | 347.05 | 321.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 442.75 | 432.75 | 403.75 | 372.75 | 343.65 | 318.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 444.25 | 433.75 | 407.45 | 381.25 | 355.05 | 328.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 444.75 | 434.85 | 405.75 | 374.85 | 345.65 | 318.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 444.95 | 434.45 | 408.05 | 381.65 | 355.25 | 328.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 446.25 | 434.65 | 405.45 | 376.25 | 347.15 | 317.95 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 447.65 | 436.05 | 406.85 | 377.65 | 348.55 | 319.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 447.95 | 436.35 | 407.15 | 377.95 | 348.85 | 319.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 448.85 | 437.25 | 408.05 | 378.85 | 349.75 | 320.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 449.25 | 438.65 | 412.05 | 385.55 | 359.05 | 332.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 451.45 | 439.85 | 410.65 | 381.45 | 352.35 | 323.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 452.45 | 441.65 | 414.95 | 388.05 | 361.15 | 334.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 452.95 | 441.35 | 412.15 | 382.95 | 353.85 | 324.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 456.05 | 444.45 | 415.25 | 386.05 | 356.95 | 327.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 457.55 | 450.85 | 416.65 | 387.55 | 358.35 | 329.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 458.05 | 447.95 | 422.55 | 397.25 | 371.85 | 338.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 458.25 | 446.55 | 422.85 | 393.65 | 359.05 | 329.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 459.65 | 448.05 | 418.85 | 389.65 | 360.55 | 331.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 459.65 | 448.05 | 418.85 | 389.65 | 360.55 | 331.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 460.45 | 449.65 | 422.85 | 396.05 | 369.25 | 342.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 460.45 | 449.65 | 422.85 | 396.05 | 369.25 | 342.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 460.65 | 449.05 | 419.85 | 390.65 | 361.55 | 332.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 461.35 | 449.75 | 420.55 | 391.35 | 362.25 | 333.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 461.75 | 450.15 | 420.95 | 391.75 | 362.65 | 333.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 461.75 | 450.15 | 420.95 | 391.75 | 362.65 | 333.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 462.35 | 450.65 | 426.95 | 397.75 | 363.15 | 333.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 463.85 | 452.25 | 423.05 | 393.85 | 364.75 | 335.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 464.05 | 452.45 | 423.25 | 394.05 | 364.95 | 335.75 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 464.10 | 452.45 | 423.25 | 394.10 | 364.95 | 335.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 464.85 | 453.25 | 424.05 | 394.85 | 365.75 | 336.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 465.75 | 454.15 | 424.95 | 395.75 | 366.65 | 337.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 466.45 | 454.85 | 425.65 | 396.45 | 367.35 | 338.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 466.55 | 454.95 | 425.75 | 396.55 | 367.45 | 338.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 467.25 | 455.65 | 426.45 | 397.25 | 368.15 | 338.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 467.75 | 456.05 | 443.25 | 430.35 | 417.45 | 388.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 467.75 | 456.05 | 426.85 | 397.75 | 368.55 | 339.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 469.10 | 457.40 | 428.25 | 399.10 | 369.90 | 340.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 470.85 | 459.25 | 430.05 | 400.85 | 371.75 | 342.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 471.65 | 460.05 | 430.85 | 401.65 | — | 343.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 471.65 | 460.05 | 430.85 | 401.65 | — | 343.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 472.15 | 460.55 | 431.35 | 402.15 | 373.05 | 343.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 472.45 | 460.85 | 431.65 | 402.45 | 373.35 | 344.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 473.15 | 461.55 | 437.75 | 408.65 | 374.05 | 344.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 474.05 | 462.45 | 433.25 | 404.15 | 374.95 | 345.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 474.65 | 463.05 | 433.85 | 404.65 | 375.55 | 346.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 474.65 | 463.05 | 433.85 | 404.65 | 375.55 | 346.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 475.55 | 463.95 | 434.75 | 405.55 | 376.45 | 347.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 476.45 | 464.85 | 435.65 | 406.45 | 377.35 | 348.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 477.65 | 466.05 | 436.85 | 407.65 | 378.55 | 349.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 478.35 | 466.75 | 437.55 | 408.35 | 379.25 | 350.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 482.55 | 470.95 | 441.75 | 412.55 | 383.45 | 354.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 482.90 | 471.30 | 442.10 | 412.90 | 383.80 | 354.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 482.90 | 471.30 | 442.10 | 412.90 | 383.80 | 354.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 482.95 | 471.35 | 442.15 | 412.95 | 383.85 | 354.65 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 483.35 | 471.75 | 442.55 | 413.35 | 384.25 | 355.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 484.85 | 473.25 | 444.05 | 414.85 | 385.75 | 356.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 485.45 | 473.75 | 450.05 | 420.85 | 391.65 | 362.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 487.45 | 475.95 | 446.95 | 417.45 | 388.45 | 359.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 487.65 | 476.05 | 446.85 | 417.65 | 388.55 | 359.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 487.65 | 476.05 | 446.85 | 417.65 | 388.55 | 359.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 491.25 | 479.65 | 450.45 | 421.25 | 392.15 | 362.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 492.05 | 480.45 | 451.25 | 422.05 | 392.95 | 363.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 492.05 | 480.45 | 451.25 | 422.05 | 392.95 | 363.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 492.05 | 480.45 | 451.25 | 422.05 | 392.95 | 363.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 492.25 | 480.55 | 451.45 | 422.25 | 393.05 | 363.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 492.55 | 480.85 | 451.65 | 422.55 | 393.35 | 364.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 492.55 | 480.85 | 451.65 | 422.55 | 393.35 | 364.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 493.45 | 481.85 | 452.65 | 423.45 | — | 365.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 493.55 | 481.85 | 458.15 | 428.95 | 399.85 | 370.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 494.05 | 482.40 | 453.20 | 424.05 | 394.90 | 365.70 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 494.15 | 482.55 | 453.35 | 424.15 | 395.05 | 365.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 494.95 | 483.25 | 454.05 | 424.95 | 395.75 | 366.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 494.95 | 483.25 | 454.05 | 424.95 | 395.75 | 366.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 495.95 | 484.45 | 455.45 | 425.95 | 396.95 | 367.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 497.25 | 485.75 | 456.75 | 427.25 | 398.25 | 369.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 497.45 | 486.45 | 458.95 | 430.95 | 403.35 | 375.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 497.45 | 490.75 | 456.65 | 427.45 | 398.25 | 369.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 497.45 | 490.75 | 456.65 | 427.45 | 398.25 | 369.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 497.45 | 490.75 | 456.65 | 427.45 | 398.25 | 369.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 497.75 | 486.15 | 456.95 | 427.75 | — | 369.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 500.75 | 489.15 | 459.95 | 430.75 | 401.65 | 372.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 500.85 | 489.25 | 460.05 | 430.85 | 401.75 | 372.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 503.85 | 492.25 | 463.05 | 433.85 | 404.75 | 375.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 504.45 | 492.85 | 463.65 | 434.45 | 405.35 | 376.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 508.85 | 502.25 | 468.05 | 438.85 | 409.75 | 380.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 509.35 | 497.65 | 468.45 | 439.35 | 410.15 | 380.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 510.05 | 498.45 | 469.25 | 440.05 | 410.95 | 381.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.75 | 499.15 | 469.95 | 440.75 | 411.65 | 382.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 510.85 | 499.25 | 470.05 | 440.85 | — | 382.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 512.05 | 500.55 | 471.55 | 442.05 | 413.05 | 384.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 512.05 | 500.55 | 471.55 | 442.05 | 413.05 | 384.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 513.05 | 501.55 | 472.55 | 443.05 | 414.05 | 385.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 514.95 | 503.95 | 476.45 | 448.45 | 420.85 | 393.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.65 | 508.05 | 478.85 | 449.65 | 420.55 | 391.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 520.20 | 509.70 | 483.45 | 451.90 | 425.65 | 394.10 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 522.95 | 511.35 | 482.15 | 452.95 | 423.85 | 394.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 523.05 | 511.55 | 482.55 | 453.05 | 424.05 | 395.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 523.05 | 512.05 | 484.55 | 456.55 | 428.95 | 401.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 523.65 | 512.05 | 482.85 | 453.65 | 424.55 | 403.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 526.05 | 514.35 | 485.25 | 456.05 | 426.85 | 397.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 526.15 | 514.65 | 485.65 | 456.15 | 427.15 | 398.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 527.25 | 515.65 | 486.45 | 457.35 | 428.15 | 398.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 530.05 | 518.45 | 489.25 | 460.05 | 430.95 | 401.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 533.55 | 521.85 | 492.75 | 463.55 | 434.35 | 405.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 534.15 | 522.55 | 493.35 | 464.15 | 435.05 | 405.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 536.65 | 524.95 | 495.75 | 466.65 | 437.45 | 408.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 538.35 | 526.75 | 497.55 | 468.35 | 439.25 | 410.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 538.35 | 526.75 | 497.55 | 468.35 | 439.25 | 410.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 541.95 | 530.35 | 501.15 | 471.95 | 442.85 | 421.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 547.75 | 536.25 | 507.25 | 477.75 | 448.75 | 419.75 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 547.85 | 536.80 | 509.15 | 481.50 | 453.85 | 420.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 550.95 | 539.25 | 510.05 | 480.95 | 451.75 | 422.55 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 552.85 | 541.25 | 512.05 | 482.85 | 453.75 | 424.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 553.85 | 542.25 | 513.05 | 483.85 | 454.75 | 425.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 554.85 | 543.25 | 514.05 | 484.85 | 455.75 | 426.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 558.75 | 547.15 | 517.95 | 488.75 | — | 430.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 559.85 | 548.25 | 519.05 | 489.85 | 460.75 | 431.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 560.25 | 553.55 | 519.45 | 490.25 | 461.05 | 431.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 564.35 | 552.85 | 523.85 | 494.35 | 465.35 | 436.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 565.95 | 559.25 | 525.15 | 495.95 | 466.75 | 437.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 568.25 | 556.55 | 527.45 | 498.25 | 469.05 | 439.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 572.85 | 561.15 | 532.05 | 502.85 | 473.65 | 444.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 573.45 | 561.75 | 532.65 | 503.45 | 474.25 | 445.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 585.95 | 574.45 | 545.45 | 515.95 | 486.95 | 457.95 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 602.65 | 591.05 | 561.85 | 532.65 | 503.55 | 474.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 612.65 | 601.15 | 572.15 | 542.65 | 513.65 | 484.65 |

127 offers from 27 health insurers.: https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Rafz for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Rafz](https://praemiencheck.onedoc.ch/en/zh/rafz/) is Agrisano (AGRIsmart) at 422.65 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 483.35 CHF a month.

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

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/zh/rafz/adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 422.65 CHF (Agrisano, AGRIsmart) to 612.65 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 Rafz for an adult aged 26 or over with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 422.65 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-300/) to 312.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/deductible-2500/): 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Rafz 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 483.35 CHF (Krankenkasse Wädenswil), family doctor / HMO 444.25 CHF (SLKK), flexible model 448.85 CHF (Assura), telemedicine 422.65 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 427.80 CHF at Agrisano (AGRIsmart) gives 422.65 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/zh/rafz/adult/with-accident/

## Related pages

- With accident cover: from 312.25 to 612.65 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/zh/rafz/adult/with-accident/

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