Health insurance in the canton of Vaud: 2027 premiums compared

Calculate 2027 premiums in the canton of Vaud

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According to the FOPH, the average health insurance premium in the canton of Vaud rises by 3.5% in 2027 to CHF 454.50 a month (adults aged 26 and over: CHF 543.50, +3.2%).

Average monthly premium 2027 in the canton of Vaud according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 454.50+3.5%
Adults (26 and over)CHF 543.50+3.2%
Young adults (19 to 25)CHF 382.10+3.0%
Children (up to 18)CHF 146.30+3.1%

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 Vaud: 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 Lausanne

In our comparison, the cheapest basic insurance in the canton of Vaud costs CHF 586.15 a month in 2027; the average across 23 tariffs compared is CHF 636.18 (adult born 1990, CHF 300 deductible, with accident cover, premium region Lausanne).

Cheapest premium (CHF 300 deductible)
CHF 586.15
Average (CHF 300 deductible)
CHF 636.18
Cheapest premium (CHF 2,500 deductible)
CHF 457.75
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 11.60 (+2.0%)
  • Average: +CHF 9.80 (+1.6%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 11.50 (+2.6%)

Vaud is the most populous canton of French-speaking Switzerland and is divided into two premium regions. With the CHUV university hospital in Lausanne, the canton has one of Switzerland’s five university hospitals. Its premium level is structurally among the highest in the country — so model choice and an annual comparison have a correspondingly strong effect here.

The cheapest tariffs in our comparison (canton of Vaud)

Sympany
flexhelp24
Telmed / other
CHF 586.15
new to the list
SWICA
Favorit Medpharm
Telmed / other
CHF 595.85
new to the list
SWICA
Favorit Santé
HMO
CHF 595.85
new to the list
Sympany
casamed pharm
Telmed / other
CHF 596.45
new to the list
Sympany
casamed hmo
HMO
CHF 596.45
+CHF 8.20 (+1.4%)

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Lausanne — FOPH premiums 2027, less the redistribution of environmental levies · 13.11.2026

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 →

Which premium region is your Vaud municipality in?

Region 1 covers the districts of Lausanne, Ouest lausannois and Nyon, the Riviera and most municipalities in the districts of Morges and Lavaux-Oron, such as Morges, Pully, Lutry, Vevey and Montreux. Region 2 covers the districts of Aigle, Broye-Vully, Gros-de-Vaud and Jura-Nord vaudois, such as Aigle, Villeneuve, Payerne, Echallens and Yverdon-les-Bains, as well as the Pays-d’Enhaut and part of the districts of Morges and Lavaux-Oron, such as Cossonay, La Sarraz and Oron. The postcode is not enough: check the region of your municipality.

Sources: OFSP : Régions de primes dès le 1.1.2027 (Excel) · État de Vaud : Communes vaudoises et districts · FOPH: Health insurance: Premium regions

Who checks compulsory health insurance in the canton of Vaud?

In the canton of Vaud, the Office vaudois de l’assurance-maladie (OVAM, the cantonal health insurance office) monitors compliance with the obligation to be insured. After you take up residence in Switzerland or after a birth, you have three months to join: insurance then covers costs from taking up residence or from the birth, and premiums are due from that date. If you join late, cover only starts when you join, with a premium surcharge if the delay is not excusable. The OVAM also handles exemption requests, online or by post.

Sources: État de Vaud : Obligation d’assurance maladie · OFSP : Institutions cantonales compétentes pour l’exemption (PDF) · État de Vaud : Demander une dispense de l’assurance maladie

Foreign students and researchers (UNIL, EPFL): is an exemption possible?

If you are in education or training in the canton (studies, an internship), you can apply for an exemption if your insurance offers benefits equivalent to those of the Health Insurance Act (KVG/LAMal). Enclose a certificate of studies and a copy of the European Health Insurance Card or the equivalence form signed by your foreign insurer. Foreign researchers and teaching staff can no longer be exempted, except doctoral and postdoctoral researchers whose paid work does not exceed 50% and whose gross annual income is below CHF 45'500. The OVAM asks for the employment contract; the exemption lasts at most six years.

Sources: État de Vaud : Obligation d’assurance maladie · État de Vaud : Directive enseignants et chercheurs (PDF, 2014)

How much could you save?

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

Calculate premiums in the canton of Vaud →

Frequently asked questions — health insurance in the canton of Vaud

How much do premiums rise in 2027 in the canton of Vaud?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Vaud rises by 3.5% in 2027 to CHF 454.50 (2026: CHF 439.30). For adults aged 26 and over it is CHF 543.50 (+3.2%), for young adults aged 19 to 25 CHF 382.10 (+3.0%) and for children up to 18 CHF 146.30 (+3.1%). 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 Vaud in 2027?▼
In our comparison, basic insurance for adults starts at CHF 457.75 per month (CHF 2,500 deductible, with accident cover, premium region Lausanne). 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.
Is there a special premium subsidy in the canton of Vaud?▼
Yes. In addition to the ordinary premium subsidy, Vaud has a cantonal cap: a household’s premium burden should not exceed ten percent of its reference income. The claim is made with the canton — check your eligibility, especially with middle incomes.
Until when can I switch health insurer in the canton of Vaud?▼
Your cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026; the switch takes effect on 1 January. The insurance year ends on 31 December. Given Vaud’s high premium level, the annual comparison pays off particularly here.

Sources

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

All health insurers and cantons

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