Health insurance in the canton of Zurich: 2027 premiums compared

Calculate 2027 premiums in the canton of Zurich

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According to the FOPH, the average health insurance premium in the canton of Zurich rises by 5.8% in 2027 to CHF 404.40 a month (adults aged 26 and over: CHF 477.00, +5.7%).

Average monthly premium 2027 in the canton of Zurich according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 404.40+5.8%
Adults (26 and over)CHF 477.00+5.7%
Young adults (19 to 25)CHF 333.80+5.2%
Children (up to 18)CHF 129.90+5.7%

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 Zurich: 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 Zurich

In our comparison, the cheapest basic insurance in the canton of Zurich costs CHF 552.05 a month in 2027; the average across 23 tariffs compared is CHF 600.73 (adult born 1990, CHF 300 deductible, with accident cover, premium region Zurich).

Cheapest premium (CHF 300 deductible)
CHF 552.05
Average (CHF 300 deductible)
CHF 600.73
Cheapest premium (CHF 2,500 deductible)
CHF 423.75
Tariffs compared
23
Change compared with 2026:
  • Cheapest premium: +CHF 29.30 (+5.6%)
  • Average: +CHF 30.08 (+5.3%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 29.30 (+7.4%)

Zurich is the most populous canton of Switzerland and is divided into three premium regions — from the city of Zurich through many agglomeration municipalities to the more rural areas such as the Zurich Weinland or the Knonauer Amt. Nowhere is the range of alternative insurance models and doctor networks denser, and the spread between offers is correspondingly wide. With the University Hospital Zurich and several large city and regional hospitals, care coverage is tightly knit.

The cheapest tariffs in our comparison (canton of Zurich)

Sympany
flexhelp24
Telmed / other
CHF 552.05
new to the list
Sympany
casamed hmo
HMO
CHF 552.05
+CHF 29.30 (+5.6%)
CONCORDIA
HMO
HMO
CHF 552.85
+CHF 14.00 (+2.6%)
CONCORDIA
smartDoc
Telmed / other
CHF 565.85
new to the list
Sympany
casamed family doctor
Family doctor model
CHF 571.65
+CHF 30.30 (+5.6%)

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Zurich — 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 municipality in?

Only the city of Zurich belongs to region 1. Region 2 includes Winterthur, Uster, Dübendorf, Kloten, Dietikon, Schlieren, Horgen, Wädenswil, Küsnacht and Meilen, among others. All other municipalities are in region 3, for example Bülach, Wetzikon, Illnau-Effretikon, Affoltern am Albis and Rüschlikon. What counts is the municipality of residence, not the postcode.

Sources: EDI: Verordnung über die Prämienregionen, Anhang 1 (AS 2026 483) · FOPH: Health insurance: Premium regions

Who checks in the canton of Zurich whether you are insured?

In the canton of Zurich, the municipality of residence checks whether people who move there are insured and assigns people without insurance to an insurer. SVA Zürich (the social insurance institution of the canton of Zurich) decides on an exemption from the obligation to be insured. It automatically informs your municipality of residence once your application has been received.

Sources: Kanton Zürich: Einführungsgesetz zum KVG (LS 832.01) · SVA Zürich: Krankenversicherungspflicht – Antrag auf Befreiung

Studying in Zurich: do you need Swiss basic insurance?

Anyone who lives in the canton of Zurich for their education, has statutory insurance in their home country and holds a European Health Insurance Card (EHIC) can apply to SVA Zürich for an exemption. With the card, this is in principle only possible as long as you do not work here for pay, not even in a side job, an internship or a doctorate. You enclose with the application a confirmation from the place of education, such as the confirmation of enrolment, and a copy of the card. Anyone who is privately insured submits, instead of the card, the insurer’s Bestätigungsformular A (confirmation form A) and a copy of the policy.

Sources: SVA Zürich: Wer kann sich befreien lassen?

How much could you save?

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

Calculate premiums in the canton of Zurich →

Frequently asked questions — health insurance in the canton of Zurich

How much do premiums rise in 2027 in the canton of Zurich?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Zurich rises by 5.8% in 2027 to CHF 404.40 (2026: CHF 382.40). For adults aged 26 and over it is CHF 477.00 (+5.7%), for young adults aged 19 to 25 CHF 333.80 (+5.2%) and for children up to 18 CHF 129.90 (+5.7%). 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 Zurich in 2027?▼
In our comparison, basic insurance for adults starts at CHF 423.75 per month (CHF 2,500 deductible, with accident cover, premium region Zurich). 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.
Are HMO and family-doctor models particularly worthwhile in the canton of Zurich?▼
Yes, because hardly anywhere is the network of HMO and group practices as dense as in the Zurich and Winterthur area. If you commit to a defined first point of care, you can save on basic insurance without giving up any benefits. But compare the doctor lists — they differ considerably from insurer to insurer.
Until when can I switch health insurer in the canton of Zurich?▼
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 the wide choice of insurers and models in the canton of Zurich, the annual comparison is almost always worthwhile.

Sources

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

All health insurers and cantons

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