# Health insurance premiums 2027 in Winterthur (ZH), for an adult aged 26 or over who wants a deductible of 2'000 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Winterthur](https://praemiencheck.onedoc.ch/en/zh/winterthur/) ([canton Zurich](https://praemiencheck.onedoc.ch/en/zh/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/) with a 2'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/), the cheapest monthly basic insurance premium is **391.85 CHF** with **Atupri** (HMO model) and the most expensive is 557.35 CHF with Galenos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (2'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 490.95 | 479.35 | 450.15 | 420.95 | 391.85 | 362.65 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 491.75 | 480.15 | 450.95 | 421.75 | 392.65 | 363.45 | New tariff 2027 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 488.25 | 477.55 | 450.75 | 423.95 | 397.25 | 370.35 | +2.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 499.85 | 488.25 | 459.05 | 429.85 | 400.75 | 371.55 | +3.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 502.80 | 491.15 | 462.00 | 432.80 | 403.65 | 374.50 | +4.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 499.45 | 488.75 | 461.85 | 435.05 | 408.25 | 381.35 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 508.70 | 497.05 | 467.90 | 438.70 | 409.55 | 380.40 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 508.75 | 502.05 | 467.85 | 438.75 | 409.55 | 380.35 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 509.35 | 497.75 | 468.55 | 439.35 | 410.25 | 381.05 | +3.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 496.55 | 486.35 | 461.25 | 435.95 | 410.75 | 385.55 | +8.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 509.85 | 498.25 | 469.05 | 439.85 | 410.75 | 381.55 | +5.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 505.05 | 494.15 | 466.75 | 439.35 | 412.05 | 384.55 | +2.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 511.45 | 499.85 | 470.65 | 441.45 | 412.35 | 391.45 | +4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 511.65 | 500.05 | 470.85 | 441.65 | 412.55 | 383.35 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 511.85 | 500.25 | 471.05 | 441.85 | 412.75 | 383.55 | +5.3 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung | 514.05 | 502.45 | 473.25 | 444.05 | 414.95 | 385.75 | +5.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 515.15 | 503.55 | 474.35 | 445.15 | 416.05 | 386.85 | +3.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 515.15 | 503.55 | 474.35 | 445.15 | 416.05 | 386.85 | +3.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 516.85 | 505.25 | 476.05 | 446.85 | 417.75 | 388.55 | +9.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 517.25 | 505.65 | 476.45 | 447.25 | 418.15 | 388.95 | +4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 517.55 | 505.95 | 476.75 | 447.55 | 418.45 | 389.25 | +3.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 520.05 | 508.45 | 479.25 | 450.05 | 420.95 | 391.75 | +5.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 522.25 | 510.65 | 481.45 | 452.25 | 423.15 | 393.95 | +8.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 523.25 | 511.65 | 482.45 | 453.25 | 424.15 | 394.95 | +2.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 525.95 | 514.35 | 485.15 | 455.95 | 426.85 | 397.65 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 526.65 | 514.95 | 491.95 | 462.75 | 427.45 | 398.25 | +8.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 528.15 | 516.45 | 493.45 | 464.35 | 428.95 | 399.85 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 528.25 | 516.55 | 487.45 | 458.25 | 429.05 | 399.95 | +7.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 528.35 | 516.85 | 487.85 | 458.35 | 429.35 | 400.35 | +2.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 529.55 | 517.95 | 488.75 | 459.65 | 430.45 | 401.25 | +3.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 517.55 | 507.45 | 482.05 | 456.75 | 431.35 | 396.45 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 531.05 | 519.55 | 490.25 | 461.05 | 431.95 | 406.85 | +9.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 531.75 | 520.15 | 490.95 | 461.75 | 432.65 | 403.45 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 532.35 | 520.70 | 491.55 | 462.35 | 433.20 | 404.05 | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 532.65 | 521.05 | 491.85 | 462.65 | 433.55 | 404.35 | +3.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 532.65 | 521.05 | 491.85 | 462.65 | 433.55 | 404.35 | +3.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 533.35 | 521.75 | 492.55 | 463.35 | 434.25 | 407.35 | +9.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 525.45 | 514.75 | 488.15 | 461.45 | 434.75 | 408.05 | +9.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 534.65 | 523.05 | 493.85 | 464.65 | 435.55 | 406.35 | +6.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 534.65 | 523.05 | 493.85 | 464.65 | 435.55 | 406.35 | +9.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 527.35 | 516.55 | 489.75 | 462.95 | 436.15 | 409.35 | +4.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 527.35 | 516.55 | 489.75 | 462.95 | 436.15 | 409.35 | +4.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 528.35 | 517.65 | 490.85 | 463.95 | 437.15 | 410.35 | +8.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 538.25 | 526.60 | 497.45 | 468.25 | 439.10 | 409.95 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 540.55 | 528.85 | 505.85 | 476.65 | 441.35 | 412.15 | +8.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 542.15 | 530.55 | 501.35 | 472.15 | 443.05 | 413.85 | +5.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 544.05 | 532.45 | 503.25 | 474.05 | 444.95 | 415.75 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 544.15 | 532.50 | 503.35 | 474.15 | 445.00 | 415.85 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 544.15 | 532.50 | 503.35 | 474.15 | 445.00 | 415.85 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 544.15 | 532.50 | 503.35 | 474.15 | 445.00 | 415.85 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 547.05 | 535.35 | 506.25 | 477.05 | 447.85 | 418.75 | +3.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 547.05 | 535.45 | 506.25 | 477.05 | 447.95 | 418.75 | +6.6 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 552.35 | 540.75 | 511.55 | 482.35 | 453.25 | 424.05 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 553.05 | 546.35 | 512.25 | 483.05 | 453.85 | 424.75 | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 553.05 | 546.35 | 512.25 | 483.05 | 453.85 | 424.75 | +4.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 554.25 | 542.65 | 513.45 | 484.25 | 455.25 | 429.25 | +2.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 554.75 | 543.15 | 513.95 | 484.75 | 455.65 | 426.45 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 555.45 | 543.85 | 514.65 | 485.45 | 456.35 | 427.15 | +3.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 555.85 | 544.15 | 514.95 | 485.85 | 456.65 | 427.45 | +13.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 556.55 | 545.05 | 516.05 | 486.55 | 457.55 | 428.55 | +7.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 557.35 | 545.85 | 516.85 | 487.35 | 458.35 | 429.35 | +7.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 559.05 | 547.35 | 518.25 | 489.05 | 459.85 | 430.75 | +13.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 559.35 | 547.75 | 518.55 | 489.35 | 460.25 | 431.05 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 559.35 | 552.75 | 518.55 | 489.35 | 460.25 | 431.05 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 559.45 | 547.85 | 518.65 | 489.45 | 460.35 | 431.15 | +5.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 548.25 | 536.55 | 513.55 | 484.45 | 461.45 | 432.25 | +7.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 560.55 | 549.05 | 520.05 | 490.55 | 461.55 | 432.55 | +5.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 561.45 | 549.80 | 520.65 | 491.45 | 462.30 | 433.15 | +13.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 562.45 | 550.85 | 521.65 | 492.45 | 463.35 | 438.15 | +13.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 563.15 | 551.65 | 522.65 | 493.15 | 464.15 | 435.15 | +8.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 559.85 | 548.85 | 521.35 | 493.35 | 465.75 | 438.25 | +8.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 565.55 | 553.85 | 524.75 | 495.55 | 466.35 | 437.25 | +13.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 565.75 | 559.05 | 524.85 | 495.75 | 466.55 | 437.35 | +4.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 565.65 | 554.05 | 524.85 | 495.65 | 466.55 | 437.35 | +5.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 567.50 | 555.80 | 526.65 | 497.50 | 468.30 | 439.15 | +13.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 568.75 | 557.15 | 527.95 | 498.75 | 469.65 | 440.45 | +13.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 568.75 | 557.15 | 527.95 | 498.75 | 469.65 | 440.45 | +13.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 569.05 | 557.45 | 528.25 | 499.05 | 469.95 | 452.75 | +11.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 571.05 | 559.55 | 530.55 | 501.05 | 472.05 | 443.05 | +8.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 567.25 | 556.25 | 528.75 | 500.75 | 473.15 | 445.65 | +6.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 573.55 | 561.95 | 532.75 | 503.55 | 474.45 | 445.25 | +4.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 573.55 | 561.95 | 532.75 | 503.55 | 474.45 | 448.55 | +2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 562.15 | 556.65 | 533.65 | 504.45 | 475.35 | 446.15 | +8.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 574.65 | 562.95 | 533.75 | 504.65 | 475.45 | 446.25 | +3.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 574.75 | 563.05 | 533.95 | 504.75 | 475.55 | 446.45 | +8.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 575.25 | 563.65 | 534.45 | 505.25 | 476.15 | 446.95 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 576.95 | 565.35 | 536.15 | 506.95 | 477.85 | 448.95 | +8.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 577.05 | 565.45 | 536.25 | 507.05 | 477.95 | 448.75 | +5.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 577.25 | 565.60 | 536.50 | 507.40 | 478.30 | 449.20 | +1.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 578.55 | 566.85 | 537.65 | 508.55 | 479.35 | 450.15 | +3.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 574.35 | 563.35 | 535.85 | 507.85 | 480.25 | 452.75 | +8.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 579.35 | 567.75 | 538.55 | 509.35 | 480.25 | 451.05 | +3.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 579.45 | 567.95 | 538.95 | 509.45 | 480.45 | 451.45 | +6.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 579.65 | 568.15 | 539.15 | 509.65 | 480.65 | 451.65 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 584.25 | 572.75 | 543.75 | 514.25 | 485.25 | 456.25 | +11.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 585.35 | 573.75 | 544.55 | 515.35 | 486.25 | 457.05 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 585.45 | 573.80 | 544.65 | 515.45 | 486.30 | 457.15 | +4.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 587.85 | 576.15 | 546.95 | 517.85 | 488.65 | 459.45 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 588.55 | 576.95 | 547.75 | 518.55 | 489.45 | 472.25 | +12.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 595.55 | 583.95 | 554.75 | 525.65 | 496.45 | 467.25 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 597.15 | 585.55 | 556.35 | 527.15 | 498.05 | 468.85 | +3.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 597.60 | 585.95 | 556.75 | 527.60 | 498.45 | 469.25 | +13.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 601.65 | 590.05 | 560.85 | 531.65 | 502.55 | 473.35 | +4.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 604.95 | 593.25 | 564.05 | 534.95 | 505.75 | 476.55 | +4.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 608.15 | 596.55 | 567.35 | 538.15 | 509.05 | 479.85 | +2.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 608.25 | 598.45 | 571.45 | 540.80 | 510.15 | 485.65 | +1.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 538.95 | 535.05 | 527.45 | 519.95 | 512.35 | 484.75 | +10.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 613.05 | 601.45 | 572.25 | 543.05 | 513.95 | 484.75 | +7.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 613.05 | 601.45 | 572.25 | 543.05 | 513.95 | 484.75 | +7.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 615.25 | 603.65 | 574.45 | 545.25 | 516.15 | 486.95 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 615.95 | 604.35 | 575.15 | 545.95 | 516.85 | 487.65 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 622.25 | 610.55 | 581.45 | 552.25 | 523.05 | 493.95 | +3.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 622.75 | 616.05 | 581.85 | 552.75 | 523.55 | 494.35 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 629.05 | 622.35 | 588.25 | 559.05 | 529.85 | 500.75 | +4.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 630.45 | 618.95 | 589.95 | 560.45 | 531.45 | 502.45 | +4.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 637.75 | 626.15 | 596.95 | 567.75 | 538.65 | 509.45 | +2.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 643.25 | 631.65 | 602.45 | 573.25 | 544.15 | 514.95 | +12.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 647.25 | 635.65 | 606.45 | 577.25 | 548.15 | 518.95 | +12.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 647.95 | 636.45 | 607.45 | 577.95 | 548.95 | 519.95 | +6.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 653.35 | 641.85 | 612.85 | 583.35 | 554.35 | 525.35 | +8.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 656.55 | 644.85 | 615.75 | 586.55 | 557.35 | 528.25 | +4.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 494.55 | 482.95 | 453.75 | 424.55 | — | 366.25 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 503.75 | 492.15 | 462.95 | 433.75 | — | 375.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 513.05 | 501.45 | 472.25 | 443.05 | — | 384.75 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 513.05 | 501.45 | 472.25 | 443.05 | — | 384.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Start | 520.45 | — | — | — | — | 392.05 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 522.35 | 510.75 | 481.55 | 452.35 | — | 394.05 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 587.25 | 575.65 | 546.45 | 517.25 | — | 458.95 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Winterthur for an adult aged 26 or over with a deductible of 2'000 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/), the cheapest offer in [Winterthur](https://praemiencheck.onedoc.ch/en/zh/winterthur/) is Atupri (HMO) at 391.85 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 453.25 CHF a month.

### How much does health insurance cost in Winterthur in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/) with a deductible of 2'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/), monthly premiums run from 391.85 CHF (Atupri, HMO) to 557.35 CHF (Galenos, Standard model): 128 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: 472.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Winterthur for an adult aged 26 or over with accident cover?

On the cheapest offer (Atupri, HMO), the premium goes from 490.95 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-300/) to 362.65 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-2500/): 128.30 CHF less a month, 1'539.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 2'011 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Winterthur 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 with accident cover, the cheapest premium per model is: standard model 453.25 CHF (Krankenkasse Wädenswil), family doctor / HMO 391.85 CHF (Atupri), flexible model 410.25 CHF (Assura), telemedicine 392.65 CHF (Assura).

### 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 396.60 CHF at Atupri (HMO) gives 391.85 CHF after redistribution.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## 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: Winterthur is in region 2 of canton Zurich.
- 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Winterthur (ZH): every situation: https://praemiencheck.onedoc.ch/en/zh/winterthur/
- Premiums 2027 in Winterthur (ZH), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/
- Premiums 2027 in Winterthur (ZH), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/zh/winterthur/child/
- Young adult: https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/no-accident/deductible-2000/
- Deductible Premiums 2027 in Winterthur (ZH), adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Winterthur (ZH), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Winterthur (ZH), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Winterthur (ZH), adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Winterthur (ZH), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zh/winterthur/adult/with-accident/deductible-2500/

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