# Health insurance premiums 2026 in Winterthur (ZH), for a young adult aged 19 to 25 without accident cover

In 2026, for a young adult aged 19 to 25 in Winterthur, without accident cover, the cheapest health insurance premium is:

- **319.35 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-300/) (CSS, Hausarztversicherung Profit)
- **200.05 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-2500/) (CSS, Hausarztversicherung Profit)

## Without accident cover: from 200.05 to 527.65 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 **319.35 CHF** a month with **CSS** (Hausarztversicherung Profit), the most expensive 527.65 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 319.35 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-300/
- 500 CHF: 308.55 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-500/
- 1'000 CHF: 281.45 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 254.25 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 227.15 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 200.05 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 319.35 | 308.55 | 281.45 | 254.25 | 227.15 | 200.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 319.35 | 309.75 | 286.05 | 262.15 | 238.35 | 214.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 323.15 | 316.85 | 284.95 | 257.75 | 230.45 | 209.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 324.35 | 313.55 | 286.35 | 259.25 | 232.15 | 204.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 324.70 | 313.90 | 286.70 | 259.55 | 232.45 | 205.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 324.85 | 314.05 | 286.85 | 259.65 | 232.55 | 205.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 328.15 | 317.35 | 290.15 | 263.00 | 235.90 | 208.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 328.15 | 317.35 | 290.15 | 263.00 | 235.90 | 208.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 328.15 | 317.35 | 290.15 | 263.00 | 235.90 | 208.70 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 328.15 | 317.35 | 290.15 | 263.05 | 235.95 | 208.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 328.15 | 317.35 | 290.15 | 263.05 | 235.95 | 208.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 328.25 | 317.45 | 290.35 | 263.15 | 236.05 | 208.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 328.25 | 317.45 | 290.35 | 263.15 | 236.05 | 208.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 333.75 | 322.65 | 294.95 | 267.25 | 239.55 | 211.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 336.35 | 326.35 | 301.25 | 276.15 | 251.05 | 226.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 338.55 | 327.75 | 300.55 | 273.35 | 246.25 | 219.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 339.05 | 328.25 | 301.05 | 273.95 | 246.85 | 219.65 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 339.05 | 328.15 | 300.65 | 273.25 | 245.85 | 218.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 339.25 | 328.45 | 301.35 | 274.15 | 247.15 | 219.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 339.25 | 328.45 | 301.35 | 274.15 | 247.15 | 219.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 340.55 | 331.25 | 307.55 | 284.05 | 260.45 | 231.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 340.65 | 329.85 | 302.55 | 275.25 | 248.05 | 220.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 341.05 | 330.25 | 303.15 | 275.95 | 248.85 | 221.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 341.35 | 330.55 | 303.35 | 276.25 | 249.15 | 222.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 341.95 | 331.85 | 306.35 | 280.85 | 255.35 | 229.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 342.25 | 332.25 | 307.25 | 282.35 | 257.45 | 232.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 342.25 | 332.25 | 307.25 | 282.35 | 257.45 | 232.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 343.25 | 332.55 | 305.55 | 278.15 | 251.15 | 224.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 343.75 | 332.85 | 305.25 | 277.65 | 250.15 | 222.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 345.05 | 334.15 | 307.15 | 279.95 | 252.75 | 225.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 345.25 | 334.55 | 307.55 | 280.15 | 253.15 | 226.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 345.25 | 334.45 | 307.25 | 280.15 | 253.05 | 225.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 346.95 | 336.25 | 309.05 | 281.85 | 254.85 | 227.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 346.95 | 336.25 | 309.05 | 281.85 | 254.85 | 227.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 347.15 | 340.85 | 308.95 | 281.65 | 254.45 | 227.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 348.05 | 337.05 | 309.35 | 281.55 | 253.95 | 226.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 348.25 | 338.05 | 314.35 | 283.15 | 263.65 | 229.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 348.75 | 337.85 | 310.55 | 283.25 | 256.05 | 228.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 349.25 | 338.55 | 311.55 | 284.15 | 257.15 | 230.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 349.35 | 339.15 | 315.05 | 284.35 | 262.95 | 230.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 349.85 | 338.95 | 315.95 | 288.75 | 257.55 | 230.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 349.95 | 338.95 | 311.35 | 283.75 | 256.25 | 228.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 351.05 | 340.35 | 313.15 | 285.95 | 258.95 | 231.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 351.45 | 340.65 | 313.45 | 286.35 | 259.25 | 234.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 352.45 | 341.65 | 314.55 | 287.45 | 260.35 | 234.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 353.25 | 342.55 | 315.55 | 288.15 | 261.15 | 234.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 353.65 | 342.65 | 314.95 | 287.15 | 259.55 | 231.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 354.95 | 344.25 | 317.05 | 289.85 | 262.85 | 235.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 355.55 | 344.75 | 323.15 | 296.05 | 268.95 | 249.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 356.05 | 345.15 | 317.55 | 289.95 | 262.45 | 234.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 359.15 | 348.35 | 321.15 | 294.05 | — | 239.85 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 359.45 | 348.55 | 321.05 | 293.65 | 266.25 | 238.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 361.05 | 350.15 | 333.15 | 306.05 | 270.85 | 243.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 362.25 | 351.45 | 324.35 | 297.15 | 270.05 | 242.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 362.25 | 351.45 | 324.35 | 297.15 | 270.05 | 242.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 363.85 | 352.90 | 325.45 | 298.05 | 270.65 | 243.20 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 364.35 | 354.75 | 330.55 | 306.45 | 282.35 | 258.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 365.05 | 354.25 | 343.35 | 328.45 | 309.45 | 282.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 365.25 | 354.45 | 327.35 | 300.15 | — | 245.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 366.75 | 355.95 | 328.75 | 301.65 | 274.55 | 247.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 367.80 | 356.80 | 329.40 | 302.00 | 274.55 | 247.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 368.45 | 357.75 | 330.75 | 303.35 | 276.35 | 249.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 368.55 | 357.85 | 330.65 | 303.45 | 276.45 | 249.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 368.55 | 357.85 | 330.65 | 303.45 | 276.45 | 249.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 368.75 | 357.75 | 330.05 | 302.25 | 274.65 | 246.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 369.25 | 358.45 | 331.25 | 304.15 | 277.05 | 249.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 369.95 | 363.65 | 331.75 | 304.45 | 277.25 | 249.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 370.75 | 361.95 | 340.15 | 318.75 | 297.35 | 255.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 371.15 | 364.85 | 332.95 | 305.65 | 278.45 | 251.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 371.45 | 360.65 | 333.45 | 306.35 | — | 252.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 372.15 | 361.05 | 333.45 | 305.65 | 277.95 | 250.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 372.35 | 361.55 | 334.45 | 307.25 | 280.25 | 253.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 372.75 | 362.85 | 338.15 | 313.45 | 288.85 | 264.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 374.05 | 363.15 | 335.85 | 308.65 | 281.35 | 254.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 374.25 | 367.45 | 340.35 | 313.15 | 281.95 | 254.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 374.45 | 363.65 | 336.55 | 309.35 | — | 255.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 375.55 | 364.75 | 337.65 | 310.45 | 283.35 | 256.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 376.95 | 366.95 | 342.05 | 317.05 | 292.15 | 267.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 377.15 | 366.45 | 339.45 | 312.05 | 285.05 | 258.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 377.55 | 366.75 | 339.65 | 312.45 | — | 258.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 380.35 | 369.45 | 342.35 | 315.25 | 288.15 | 260.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 381.45 | 370.75 | 343.75 | 316.35 | 289.35 | 262.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 381.45 | 370.75 | 343.75 | 316.35 | 289.35 | 262.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 381.55 | 370.85 | 343.85 | 316.45 | 289.45 | 262.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 382.35 | 371.55 | 344.35 | 319.25 | 294.25 | 271.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 383.15 | 376.85 | 344.95 | 317.65 | 290.45 | 263.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 383.65 | 372.95 | 345.95 | 318.55 | 291.55 | 264.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 384.15 | 373.35 | 346.15 | 319.05 | 291.95 | 264.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 384.35 | 373.55 | 346.45 | 319.25 | 292.25 | 265.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 384.35 | 373.55 | 346.45 | 319.25 | 292.25 | 265.05 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 387.40 | 376.45 | 349.00 | 321.60 | 294.20 | 266.75 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 390.45 | 379.65 | 352.35 | 325.05 | 297.85 | 273.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 391.15 | 384.85 | 352.95 | 325.65 | 298.45 | 271.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 392.15 | 381.45 | 354.25 | 327.15 | 300.05 | 272.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 392.65 | 381.55 | 353.85 | 326.15 | 298.45 | 270.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 392.75 | 381.95 | 354.85 | 327.65 | 300.55 | 273.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 394.65 | 383.95 | 356.95 | 329.55 | 302.55 | 275.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 394.65 | 383.95 | 356.95 | 329.55 | 302.55 | 275.55 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 394.75 | 383.95 | 356.65 | 329.35 | 302.15 | 277.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.15 | 388.85 | 356.95 | 329.65 | 302.45 | 275.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.25 | 384.55 | 357.55 | 330.15 | 303.15 | 276.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 396.85 | 385.95 | 358.65 | 331.45 | 304.15 | 276.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 397.25 | 386.35 | 359.05 | 331.85 | 304.55 | 277.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 397.65 | 386.85 | 359.75 | 332.55 | 305.55 | 278.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 401.65 | 390.85 | 363.75 | 336.55 | 309.45 | 282.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 401.65 | 390.85 | 363.75 | 336.55 | 309.45 | 282.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 402.15 | 391.35 | 364.25 | 337.05 | 309.95 | 282.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 402.45 | 391.55 | 364.35 | 337.05 | 309.85 | 282.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 402.95 | 391.95 | 364.35 | 336.85 | 309.35 | 281.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 413.75 | 402.85 | 375.55 | 348.35 | 321.05 | 293.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 414.65 | 403.75 | 376.35 | 348.85 | 321.55 | 294.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 414.75 | 403.85 | 376.55 | 349.35 | 322.05 | 294.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 416.35 | 405.45 | 378.15 | 350.85 | 323.65 | 296.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 419.15 | 408.25 | 380.95 | 353.75 | 326.45 | 299.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 420.45 | 409.65 | 382.45 | 355.35 | — | 301.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 424.75 | 413.95 | 386.65 | 359.35 | 332.15 | 304.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 428.15 | 417.25 | 390.05 | 362.75 | 335.45 | 308.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 431.75 | 421.05 | 394.05 | 366.65 | 339.65 | 312.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 432.05 | 421.15 | 393.85 | 366.65 | 339.35 | 312.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 434.15 | 423.45 | 396.45 | 369.05 | 342.05 | 315.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 437.55 | 426.75 | 399.65 | 372.45 | 345.45 | 318.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 441.75 | 430.85 | 403.55 | 376.25 | 349.05 | 321.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 446.25 | 435.35 | 408.05 | 380.75 | 353.55 | 326.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 471.55 | 460.65 | 433.45 | 406.15 | 378.85 | 351.65 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 473.95 | 463.15 | 435.65 | 408.25 | 380.85 | 353.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 501.00 | 490.85 | 460.50 | 435.20 | 404.85 | 374.45 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 527.65 | 517.00 | 490.35 | 458.35 | 431.70 | 402.45 |

127 offers from 27 health insurers.: https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Winterthur for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Winterthur](https://praemiencheck.onedoc.ch/en/zh/winterthur/) is CSS (Hausarztversicherung Profit) at 319.35 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 338.55 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 319.35 CHF (CSS, Hausarztversicherung Profit) to 527.65 CHF (vita surselva, 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: 314.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Winterthur for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 319.35 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-300/) to 200.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/deductible-2500/): 119.30 CHF less a month, 1'431.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'891 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Winterthur 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 338.55 CHF (Sanitas), family doctor / HMO 319.35 CHF (CSS), flexible model 324.35 CHF (Assura), telemedicine 319.35 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 324.50 CHF at CSS (Hausarztversicherung Profit) gives 319.35 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/winterthur/young-adult/no-accident/

## Related pages

- Without accident cover: from 200.05 to 527.65 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/zh/winterthur/young-adult/no-accident/ — replace `zh` with your canton’s two-letter code (ge, vd, zh…) and `winterthur` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.