Health insurance in the canton of Geneva: 2027 premiums compared

Calculate 2027 premiums in the canton of Geneva

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According to the FOPH, the average health insurance premium in the canton of Geneva rises by 4.4% in 2027 to CHF 508.60 a month (adults aged 26 and over: CHF 610.60, +4.3%).

Average monthly premium 2027 in the canton of Geneva according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 508.60+4.4%
Adults (26 and over)CHF 610.60+4.3%
Young adults (19 to 25)CHF 453.00+3.9%
Children (up to 18)CHF 157.70+4.2%

Source: FOPH, average premiums by canton 2027 across all age groups and by age group (PDFs in German, French and Italian), published on . Averages over all insured persons in the canton or in the age group concerned, including optional deductibles and models, rounded.

2027 health insurance premiums in the canton of Geneva: our comparison

A different measure from the FOPH average, which covers all age groups, deductibles and models: these are concrete tariffs of the health insurers in our comparison for one reference profile with a CHF 300 or CHF 2,500 deductible (stated with each figure).

Basic insurance premiums according to the FOPH, less the redistribution of environmental levies — premium region Geneva

In our comparison, the cheapest basic insurance in the canton of Geneva costs CHF 624.25 a month in 2027; the average across 22 tariffs compared is CHF 671.20 (adult born 1990, CHF 300 deductible, with accident cover, premium region Geneva).

Cheapest premium (CHF 300 deductible)
CHF 624.25
Average (CHF 300 deductible)
CHF 671.20
Cheapest premium (CHF 2,500 deductible)
CHF 495.85
Tariffs compared
22
Change compared with 2026:
  • Cheapest premium: +CHF 13.40 (+2.2%)
  • Average: +CHF 14.70 (+2.2%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 13.30 (+2.8%)

Geneva is a fully urban canton and, despite its 45 municipalities, forms a single premium region. Its very high density of doctors, the HUG university hospital and the international environment make Geneva one of Switzerland's most expensive premium cantons — which makes comparing insurers and savings models all the more worthwhile. Cross-border commuters from France also have a right to choose between Swiss and French insurance.

The cheapest tariffs in our comparison (canton of Geneva)

SWICA
Favorit Santé
HMO
CHF 624.25
new to the list
Sympany
flexhelp24
Telmed / other
CHF 632.45
new to the list
Sympany
casamed hmo
HMO
CHF 632.45
+CHF 21.60 (+3.5%)
SWICA
Favorit Multichoice
Telmed / other
CHF 635.55
new to the list
Groupe Mutuel
OptiMed (Healthcare network)
HMO
CHF 638.25
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Geneva — FOPH premiums 2027, less the redistribution of environmental levies · 12.11.2026

Health insurers that are not in our comparison are also missing from the figures on this page.

Premiums for all 26 cantons in one table →

New to Geneva: what does the SAM require?

In the days after you arrive or a child is born, the Service de l'assurance-maladie (SAM, the cantonal health insurance office) writes to you to explain the steps. Your membership must take effect within three months of taking up residence, even if your residence permit has not yet been issued. Send the SAM a copy of your insurance certificate no later than three months after taking up residence. Without this proof, the SAM enrols you with an insurer ex officio.

Sources: République et canton de Genève : Affiliation obligatoire

International civil servant or diplomat: do you need KVG/LAMal in Geneva?

Staff of permanent missions and international organisations, and their families, are not required to take out insurance under the Health Insurance Act (KVG/LAMal). They can, however, take out KVG/LAMal insurance within six months of receiving their legitimation card from the Federal Department of Foreign Affairs (FDFA). A family member with a permit or Swiss nationality who is insured together with the principal beneficiary under the insurance of an organisation listed by the Federal Office of Public Health (FOPH) can be exempted if the cover is equivalent. This family member sends the request to the SAM within three months of joining that insurance.

Sources: FOPH: Diplomats and international organisation staff · Fedlex : Ordonnance sur l'assurance-maladie (OAMal), RS 832.102 · République et canton de Genève : Demander une dispense · OFSP : Institutions cantonales compétentes pour l'exemption (PDF)

Students and interns in Geneva: is an exemption possible?

If you are in Geneva for education or training (studies, school, an internship), you can ask the SAM for an exemption from the KVG/LAMal. Your insurance must offer equivalent cover for treatment in Switzerland; send the SAM's form by post. The request must be addressed to the SAM within three months of the start of the obligation to be insured (with a permit: from registering with the residents' registration office), otherwise it enrols you ex officio. An exemption for education or training lasts at most three years and can be extended by at most three years.

Sources: République et canton de Genève : Demander une dispense · Fedlex : Ordonnance sur l'assurance-maladie (OAMal), RS 832.102

How much could you save?

Calculate your personal premium in two minutes — Geneva is already pre-filled as the place of residence and can be changed. Free and without obligation.

Calculate premiums in the canton of Geneva →

Frequently asked questions — health insurance in the canton of Geneva

How much do premiums rise in 2027 in the canton of Geneva?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Geneva rises by 4.4% in 2027 to CHF 508.60 (2026: CHF 487.20). For adults aged 26 and over it is CHF 610.60 (+4.3%), for young adults aged 19 to 25 CHF 453.00 (+3.9%) and for children up to 18 CHF 157.70 (+4.2%). These are averages over all insured persons in the canton, including optional deductibles and models (FOPH, 29.09.2026). Your own premium depends on your premium region, age, insurer, deductible and model.
Which health insurer is cheapest in the canton of Geneva in 2027?▼
In our comparison, basic insurance for adults starts at CHF 495.85 per month (CHF 2,500 deductible, with accident cover, premium region Geneva). The cheapest tariffs with a CHF 300 deductible are further up this page. Our comparison does not show all health insurers; all premiums are available from the FOPH at priminfo.admin.ch.
What should insured persons in Geneva pay attention to?▼
In one of Switzerland's most expensive premium cantons, an alternative insurance model pays off in particular: Geneva has a dense network of HMO and group practices, and telemedicine models are easy to use as well. Cross-border commuters from France should carefully consider their one-time right of choice (droit d'option) between Swiss KVG/LAMal insurance and French cover. easyall only arranges insurance for people residing in Switzerland.
How do I switch health insurer in the canton of Geneva?▼
Cancel your basic insurance in writing by Monday, 30 November 2026 at the latest; the letter must reach your current insurer by then. The old contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer that operates in Geneva must accept you unconditionally.

Sources

Official data behind the figures on this page (external links).

All health insurers and cantons

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