# Health insurance premiums 2026 in Zurich (ZH), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Zurich, with accident cover, the cheapest health insurance premium is:

- **366.05 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-300/) (Assura, Qualimed)
- **237.75 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-2500/) (Assura, Qualimed)

## With accident cover: from 237.75 to 585.85 CHF a month depending on the deductible and the model

128 offers from 27 health insurers. With a deductible of 300 CHF, the cheapest is **366.05 CHF** a month with **Assura** (Qualimed), the most expensive 585.85 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 366.05 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-300/
- 500 CHF: 354.45 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-500/
- 1'000 CHF: 325.25 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 296.05 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 266.95 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 237.75 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 366.05 | 354.45 | 325.25 | 296.05 | 266.95 | 237.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 371.55 | 359.95 | 330.75 | 301.55 | 272.45 | 243.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 380.25 | 368.55 | 339.35 | 310.25 | 281.05 | 251.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 380.25 | 368.55 | 339.35 | 310.25 | 281.05 | 251.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 381.35 | 369.75 | 340.55 | 311.35 | 282.25 | 253.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 381.45 | 369.85 | 340.65 | 311.45 | 282.35 | 253.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 383.05 | 371.55 | 342.55 | 313.05 | 284.05 | 255.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 383.15 | 371.55 | 342.35 | 313.15 | 284.05 | 254.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 385.25 | 373.75 | 344.75 | 315.25 | 286.25 | 257.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 385.35 | 373.75 | 344.55 | 315.35 | 286.25 | 257.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 385.35 | 373.75 | 344.55 | 315.35 | 286.25 | 257.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 385.35 | 373.75 | 344.55 | 315.35 | 286.25 | 257.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 385.55 | 373.95 | 344.75 | 315.55 | 286.45 | 257.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 385.55 | 373.95 | 344.75 | 315.55 | 286.45 | 257.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 386.15 | 374.55 | 345.35 | 316.15 | 287.05 | 257.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 386.15 | 374.55 | 345.35 | 316.15 | 287.05 | 257.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 389.65 | 378.15 | 349.15 | 319.65 | 290.65 | 261.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 390.25 | 378.65 | 349.45 | 320.25 | 291.15 | 261.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 393.85 | 382.15 | 352.95 | 323.85 | 294.65 | 265.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 393.85 | 382.15 | 352.95 | 323.85 | 294.65 | 265.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 393.85 | 382.15 | 352.95 | 323.85 | 294.65 | 265.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 394.15 | 382.65 | 353.65 | 324.15 | 295.15 | 266.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 397.55 | 385.95 | 356.75 | 327.55 | 298.45 | 269.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 398.95 | 387.35 | 358.15 | 328.95 | 299.85 | 270.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 401.55 | 394.95 | 360.75 | 331.55 | 302.45 | 273.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 402.75 | 391.15 | 361.95 | 332.75 | 303.65 | 274.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 402.95 | 391.35 | 362.15 | 332.95 | 303.85 | 274.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 404.05 | 392.45 | 363.25 | 334.05 | 304.95 | 275.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 404.05 | 392.45 | 363.25 | 334.05 | 304.95 | 275.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 407.65 | 396.85 | 370.05 | 343.25 | 316.45 | 289.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 407.65 | 396.85 | 370.05 | 343.25 | 316.45 | 289.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 408.55 | 396.95 | 367.75 | 338.55 | 309.45 | 283.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 410.05 | 398.45 | 369.25 | 340.05 | 310.95 | 281.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 411.15 | 399.55 | 370.35 | 341.15 | 312.05 | 282.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 412.05 | 400.45 | 371.25 | 342.05 | 312.95 | 283.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 416.75 | 405.15 | 375.95 | 346.75 | 317.65 | 288.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 417.25 | 405.65 | 376.45 | 347.25 | 318.15 | 288.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 417.55 | 406.95 | 380.65 | 354.25 | 327.75 | 301.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 418.15 | 408.05 | 382.65 | 357.35 | 331.95 | 299.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 419.65 | 408.05 | 384.85 | 355.65 | 326.55 | 311.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 419.95 | 408.35 | 384.05 | 354.85 | 320.85 | 291.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 421.75 | 410.15 | 380.95 | 351.75 | 322.65 | 293.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 421.75 | 410.15 | 380.95 | 351.75 | 322.65 | 293.45 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 423.45 | 411.85 | 382.65 | 353.45 | 324.35 | 295.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 423.85 | 412.25 | 383.05 | 353.85 | 324.75 | 295.55 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 424.55 | 413.85 | 387.05 | 360.15 | 333.35 | 306.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 426.85 | 415.25 | 386.05 | 356.85 | 327.75 | 298.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 427.85 | 416.35 | 387.35 | 357.85 | 328.85 | 299.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 427.85 | 416.35 | 387.35 | 357.85 | 328.85 | 299.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 428.45 | 416.85 | 387.65 | 358.45 | 329.35 | 300.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 429.75 | 418.15 | 401.15 | 372.05 | 333.05 | 303.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 429.95 | 418.35 | 389.15 | 359.95 | 330.85 | 301.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 430.35 | 418.85 | 389.85 | 360.35 | 331.35 | 302.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 431.35 | 424.65 | 390.45 | 361.35 | 332.15 | 302.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 431.55 | 421.35 | 395.65 | 369.95 | 344.35 | 318.65 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 432.35 | 420.75 | 391.55 | 362.35 | 333.25 | 304.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 432.75 | 421.15 | 391.95 | 362.85 | 333.65 | 304.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 435.05 | 423.45 | 394.25 | 365.05 | — | 306.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 435.85 | 424.25 | 414.65 | 400.15 | 385.75 | 356.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 436.80 | 425.15 | 395.95 | 366.80 | 337.65 | 308.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 437.15 | 425.55 | 396.35 | 367.15 | 338.05 | 308.85 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 437.35 | 425.75 | 396.55 | 367.35 | 338.25 | 309.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 439.15 | 427.55 | 398.35 | 369.15 | 340.05 | 313.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 440.95 | 429.45 | 400.45 | 370.95 | 341.95 | 312.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 441.45 | 431.05 | 404.75 | 378.45 | 352.25 | 326.05 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 441.50 | 429.85 | 400.65 | 371.50 | 342.35 | 313.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 441.55 | 429.95 | 400.75 | 371.55 | 342.45 | 313.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 441.85 | 431.85 | 408.85 | 386.85 | 363.85 | 313.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 442.05 | 430.45 | 401.25 | 372.05 | 342.95 | 313.75 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 442.25 | 430.65 | 401.45 | 372.25 | 343.15 | 313.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 442.65 | 431.15 | 402.15 | 372.65 | 343.65 | 314.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 443.05 | 431.45 | 402.25 | 373.05 | 343.95 | 314.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 443.45 | 431.85 | 402.65 | 373.45 | 344.35 | 315.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 443.75 | 433.75 | 410.25 | 386.75 | 364.25 | 315.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 445.65 | 438.95 | 409.75 | 380.55 | 346.55 | 317.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 446.15 | 434.65 | 405.65 | 376.15 | 347.15 | 318.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 446.45 | 435.85 | 409.35 | 382.75 | 356.25 | 329.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 446.75 | 435.15 | 405.95 | 376.75 | — | 318.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 447.45 | 435.85 | 406.65 | 377.45 | 348.35 | 319.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 447.45 | 435.85 | 406.65 | 377.45 | 348.35 | 319.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 448.25 | 436.55 | 407.35 | 378.25 | 349.05 | 319.85 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 448.85 | 437.25 | 408.05 | 378.85 | 349.75 | 320.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 450.55 | 438.95 | 409.75 | 380.55 | 351.45 | 322.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 450.65 | 439.05 | 409.85 | 380.65 | — | 322.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 450.65 | 439.05 | 409.85 | 380.65 | — | 322.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 451.85 | 440.15 | 410.95 | 381.85 | 352.65 | 323.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 454.55 | 442.95 | 413.75 | 384.55 | 355.45 | 326.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 455.55 | 448.95 | 414.75 | 385.55 | 356.45 | 327.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 456.05 | 449.45 | 415.25 | 386.05 | 356.95 | 327.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 456.75 | 445.25 | 416.25 | 386.75 | 357.75 | 328.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 458.45 | 446.85 | 417.65 | 388.45 | — | 330.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 461.65 | 449.95 | 420.75 | 394.05 | 367.35 | 343.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 461.95 | 450.25 | 421.15 | 391.95 | 362.75 | 333.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 462.05 | 450.55 | 421.55 | 392.05 | 363.05 | 334.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 462.65 | 451.05 | 421.85 | 392.65 | 363.55 | 334.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 462.95 | 451.35 | 422.15 | 392.95 | 363.85 | 334.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 463.65 | 452.05 | 422.85 | 393.65 | 364.55 | 335.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 465.00 | 453.35 | 424.20 | 395.00 | 365.85 | 336.70 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 466.25 | 454.65 | 425.45 | 396.25 | 367.15 | 337.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 468.05 | 456.45 | 427.25 | 398.05 | 368.95 | 339.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 469.35 | 459.85 | 436.85 | 413.45 | 389.85 | 366.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.05 | 460.45 | 431.25 | 402.05 | 372.95 | 343.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 475.95 | 469.25 | 435.05 | 405.95 | 376.75 | 347.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 477.85 | 466.35 | 437.35 | 407.85 | 378.85 | 349.85 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 481.35 | 469.75 | 440.55 | 411.45 | 382.25 | 353.05 |
| [SWICA](https://www.swica.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 | 356.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 484.85 | 473.25 | 444.05 | 414.85 | 385.75 | 356.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 485.85 | 479.15 | 444.95 | 415.85 | 386.65 | 357.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 486.85 | 475.35 | 446.35 | 416.85 | 387.85 | 358.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 490.75 | 484.15 | 449.95 | 420.75 | 391.65 | 362.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 491.15 | 479.55 | 450.35 | 421.15 | 392.05 | 362.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 491.15 | 479.55 | 450.35 | 421.15 | 392.05 | 362.85 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 491.95 | 480.35 | 451.15 | 421.95 | 392.85 | 363.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 496.05 | 484.35 | 455.15 | 426.05 | 396.85 | 367.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 497.65 | 485.95 | 456.85 | 427.65 | 398.45 | 369.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 503.05 | 491.35 | 462.25 | 433.05 | 403.85 | 374.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 505.05 | 493.35 | 464.25 | 435.05 | 405.85 | 376.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 507.95 | 496.25 | 467.15 | 437.95 | 408.75 | 379.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 509.25 | 497.65 | 468.45 | 439.25 | 410.15 | 380.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 513.05 | 501.45 | 472.25 | 443.05 | — | 384.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 513.85 | 502.15 | 473.05 | 443.85 | 414.65 | 385.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 522.65 | 511.15 | 482.15 | 452.65 | 423.65 | 394.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 530.05 | 518.35 | 489.25 | 460.05 | 430.85 | 401.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 535.45 | 523.75 | 494.65 | 465.45 | 436.25 | 407.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 556.30 | 545.05 | 517.00 | 488.95 | 460.85 | 432.80 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 573.95 | 562.25 | 533.05 | 503.95 | 474.75 | 445.55 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 575.20 | 563.65 | 534.45 | 505.25 | 476.15 | 446.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 585.85 | 578.75 | 550.40 | 520.85 | 491.30 | 461.75 |

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

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Zurich for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Zurich](https://praemiencheck.onedoc.ch/en/zh/zurich/) is Assura (Qualimed) at 366.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 397.55 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 366.05 CHF (Assura, Qualimed) to 585.85 CHF (vita surselva, 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: 352.25 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Assura, Qualimed), the premium goes from 366.05 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/deductible-300/) to 237.75 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/zurich/young-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 Zurich 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 with accident cover, the cheapest premium per model is: standard model 397.55 CHF (Sanitas), family doctor / HMO 371.55 CHF (CSS), flexible model 366.05 CHF (Assura), telemedicine 381.45 CHF (Sanitas).

### 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 371.20 CHF at Assura (Qualimed) gives 366.05 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/zurich/young-adult/with-accident/

## Related pages

- With accident cover: from 237.75 to 585.85 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/zh/zurich/young-adult/with-accident/

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