Canton of Vaud: Health insurances & premiums in comparison

There are a total of 25 health insurances in the canton of Vaud. These 25 health insurances offer different models of basic insurance. Although all health insurances in Vaud 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 Vaud.

These differences are also clearly visible in the health insurance premiums for 2024 in Vaud. The cheapest monthly premium in the canton of Vaud is currently CHF 329.65, while the most expensive is CHF 865.65. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Vaud. In fact, it is possible to save up to CHF 6’432 in the canton of Vaud.

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 Vaud

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The cheapest health insurances in the canton of Vaud

In 2024, health insurance premiums in the canton of Vaud rose by 9.9% compared to 2023. Sympany, Sanitas and KPT are the cheapest health insurances in the canton of Vaud. 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 Vaud are listed below:

Health insurance Model Premiums in CHF
Sympany Flexhelp 24 359.45
Sanitas NetMed 359.95
KPT KPTwin 365.25
Visana Combi Care 366.25
Aquilana Smartmed 366.65
Helsana Benefit Plus 368.25
Atupri HMO 368.85
CSS HMO 369.85
Groupe Mutuel PrimaFlex 370.25
Concordia SmartDoc 374.45

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

Canton Vaud: Premium region 2

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

Health insurance Model Premiums in CHF
KPT KPTwin 329.65
Assura Qualimed 334.35
Visana Combi Care 337.55
Groupe Mutuel PrimaFlex 340.95
CSS HMO 341.75
Atupri Smartcare 342.15
EGK Telcare 342.35
Aquilana Smartmed 344.15
Helsana Benefit Plus 345.55
Concordia HMO 348.95

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

*Premium region 2: Aigle, Morges, Nyon, Broye-Vully, Gros-de-Vaud, Jura-Nord vaudois, Lausanne, Lavaux-Oron.

Compare and change health insurance companies in Vaud

Health insurance premiums in the canton of Vaud vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Vaud. 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 Vaud

The models of basic insurance can also influence the amount of health insurance premiums in Vaud. 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 Vaud through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Vaud

Adult policyholders in Vaud 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: