Canton of Ticino: Health insurances & premiums in comparison

There are a total of 25 health insurances in the canton of Ticino. These 25 health insurances offer different models of basic insurance. Although all health insurances in Ticino are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of Ticino.

These differences are also clearly visible in the health insurance premiums for 2024 in Ticino. The cheapest monthly premium in the canton of Ticino is currently CHF 325.95, while the most expensive is CHF 738.15. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Ticino. In fact, it is possible to save up to CHF 4’946.40 in the canton of Ticino.

Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.

health insurance Ticino

The cheapest health insurances in the canton of Ticino

In 2024, health insurance premiums in the canton of Ticino rose by 10.5% compared to 2023. KPT, Aquilana and Concordia are the cheapest health insurances in the canton of Ticino. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.

The 10 cheapest health insurances in the canton of Ticino are listed below:

Health insurance Model Premiums in CHF
KPT KPTwin 349.85
Aquilana Smartmed 353.75
Concordia HMO 365.05
CSS HMO 366.75
Sanitas NetMed 367.45
EGK Telcare 374.05
Helsana Benefit Plus 380.15
Visana Combi Care 382.95
Groupe Mutuel PrimaFlex 387.35
ÖKK HMO 402.95

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of Ticino

Canton Ticino: Premium region 2

The 10 cheapest health insurance companies in premium region 2(Canton of Ticino) are listed below:

Health insurance Model Premiums in CHF
EGK Telcare 325.95
Assura Qualimed 327.95
Helsana Benefit Plus 329.25
Agrisano Agrismart 331.05
KPT KPTwin 338.25
Concordia HMO 339.85
Aquilana Smartmed 340.35
ÖKK HMO 343.05
CSS HMO 343.25
Sanitas Netmed 352.25

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 2(Canton of Ticino).

*Premium region 2: Blenio, Leventina, Locarno, Riviera, Vallemaggia.

Compare and change health insurance companies in Ticino

Health insurance premiums in the canton of Ticino vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Ticino. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in Ticino

The models of basic insurance can also influence the amount of health insurance premiums in Ticino. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in Ticino through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Ticino

Adult policyholders in Ticino can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: