Health insurance premiums 2027 in Zurich (ZH)For a young adult aged 19 to 25 with accident cover
From 251.45 to 596.25 CHF a month depending on the deductible and the model
128 offers from 27 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Assura | QualiMed | 379.75 | 368.15 | 338.95 | 309.75 | 280.65 | 251.45 |
| 2 | Assura | MediTel | 391.35 | 379.75 | 350.55 | 321.35 | 292.25 | 263.05 |
| 3 |  Atupri | HMO | 396.55 | 384.95 | 355.75 | 326.55 | 297.45 | 268.25 |
| 4 |  Sanitas | Family doctor 1 | 396.95 | 385.30 | 356.15 | 326.95 | 297.80 | 268.65 |
| 5 | Sanitas | TelMed Basic | 396.95 | 385.30 | 356.15 | 326.95 | 297.80 | 268.65 |
| 6 | Sanitas | Family doctor 2 | 401.15 | 389.50 | 360.35 | 331.15 | 302.00 | 272.85 |
| 7 | Sanitas | Family doctor 3 | 401.15 | 389.50 | 360.35 | 331.15 | 302.00 | 272.85 |
| 8 | Sanitas | Family doctor 4 | 401.15 | 389.50 | 360.35 | 331.15 | 302.00 | 272.85 |
| 9 | Sanitas | MultiAccess | 401.15 | 389.50 | 360.35 | 331.15 | 302.00 | 272.85 |
| 10 | Sanitas | TelMed Plus | 401.15 | 389.50 | 360.35 | 331.15 | 302.00 | 272.85 |
| 11 |  Sympany | flexhelp24 | 401.75 | 390.05 | 360.85 | 331.75 | 302.55 | 273.35 |
| 12 | Sympany | casamed hmo | 401.75 | 390.05 | 360.85 | 331.75 | 302.55 | 273.35 |
| 13 | Assura | Family doctor | 403.05 | 391.45 | 362.25 | 333.05 | 303.95 | 274.75 |
| 14 | Assura | PharMed | 403.05 | 391.45 | 362.25 | 333.05 | 303.95 | 274.75 |
| 15 |  CSS | HMO (health practice) | 403.35 | 391.75 | 362.55 | 333.35 | 304.25 | 275.05 |
| See all | See all | See all | See all | See all | See all | |||
In 2027, for a young adult aged 19 to 25 in Zurich, with accident cover, the cheapest health insurance premium is:
- 379.75 CHF a month with a 300 CHF deductible (Assura, QualiMed)
- 251.45 CHF a month with a 2'500 CHF deductible (Assura, QualiMed)
Last modified:
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 2027, with accident cover, the cheapest offer in Zurich is Assura (QualiMed) at 379.75 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 413.70 CHF a month.
How much does health insurance cost in Zurich in 2027 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 379.75 CHF (Assura, QualiMed) to 596.25 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: 367.95 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 379.75 CHF a month with the 300 CHF deductible to 251.45 CHF with the 2'500 CHF deductible: 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 413.70 CHF (Sanitas), family doctor / HMO 396.55 CHF (Atupri), flexible model 379.75 CHF (Assura), telemedicine 391.35 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 384.50 CHF at Assura (QualiMed) gives 379.75 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.