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Health insurance in the canton of Ticino: 2026 premiums compared

Official basic insurance premiums — premium region Bellinzona

CHF 588.65
Cheapest premium (CHF 300 deductible)
CHF 681.55
Average (CHF 300 deductible)
CHF 479.85
Cheapest premium (CHF 2,500 deductible)
91
Tariffs compared

Ticino is the only entirely Italian-speaking canton of Switzerland and structurally has one of the highest premium levels in the country — due among other things to its older population and high healthcare costs. The canton is divided into two premium regions: the larger centres such as Lugano and Bellinzona form region 1, the remaining municipalities region 2. In Ticino in particular, an annual comparison pays off, because the differences between insurers are above average.

The cheapest health insurers in the canton of Ticino

CONCORDIA
HMO
HMO
CHF 608.25

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Bellinzona — official FOPH premiums 2026 · 07.09.2026

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Calculate premiums in the canton of Ticino →

Frequently asked questions — health insurance in the canton of Ticino

How many premium regions does Ticino have?▼
Ticino is divided into two premium regions. The larger centres such as Lugano and Bellinzona belong to region 1, the remaining municipalities — for example in the valleys of the Sopraceneri — to region 2. The same insurer with the same model therefore costs a different amount depending on your municipality.
What applies to cross-border commuters from Italy working in Ticino?▼
Cross-border commuters working in Ticino have a right of option: within three months of starting work, they can choose between Swiss basic insurance under the KVG/LAMal and the Italian health system. The choice is in principle final — seek advice before deciding.
Until when can I switch health insurer in Ticino?▼
Your cancellation of basic insurance must reach your current insurer by 30 November; the switch takes effect on 1 January. The insurance year ends on 31 December. Given Ticino’s high premium level, switching to the right insurer has a particularly strong effect on the household budget here.

All health insurers and cantons

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