Canton of Zurich: Health insurances & premiums in comparison

In the canton of Zurich, there are a total of 31 health insurance companies that offer different models in basic insurance. Although all health insurance companies must provide legally prescribed benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the basic insurance model, the deductible rate chosen, the premium region and the age of the insured person.

These differences are also clearly visible in the health insurance premiums for 2024 in Zurich. The cheapest monthly premium for adults is currently CHF 234.75, while the most expensive is CHF 707.45. If you take a few important points into account when choosing a health insurance company, you can make considerable savings in Zurich. In fact, it is possible to save up to CHF 5,672.40.

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

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The cheapest health insurances in the canton of Zurich

In 2024, health insurance premiums in the canton of Zurich rose by 8.3% compared to 2023. Atupri, Sympany and Groupe Mutuel are the cheapest health insurances in the canton of Zurich. 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 Zurich are listed below:

Health insurance Model Premiums in CHF
Atupri HMO 319.45
Sympany Flexhelp 24 319.45
Groupe Mutuel PrimaFlex 326.15
Concordia HMO 326.75
KPT KPTwin 327.55
Sanitas NetMed 332.15
SLKK Smartmed 334.95
Assura Qualimed 340.05
CSS HMO 340.15
Helsana Benefit Plus 341.75

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

*Region 1: City of Zurich

Canton Zurich: Premium region 2

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

Health insurance Model Premiums in CHF
Concordia HMO 273.35
KPT KPTwin 283.55
Agrisano AGRIsmart 285.85
SLKK Smartmed 290.35
Sanitas NetMed 292.15
CSS HMO 294.85
EGK Telcare 297.75
Helsana Benefit Plus 300.25
Assura Qualimed 300.85
Visana Managed Care 301.15

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

*Premium region 2: Adliswil, Dietikon, Dietlikon, Dübendorf, Egg, Erlenbach, Fällanden, Greifensee, Herrliberg, Hombrechtikon, Horgen, Kilchberg, Kloten, Küsnacht, Männedorf, Maur, Meilen, Mönchaltorf, Oetwil am See, Opfikon-Glattbrugg, Regensdorf, Richterswil, Rümlang, Schlieren, Schwerzenbach, Stäfa, Thalwil, Uetikon am See, Urdorf, Uster, Volketswil, Wädenswil, Wallisellen, Wangen-Brüttisellen, Winterthur, Zollikon, Zumikon.

Canton of Zurich: Premium region 3

The 10 cheapest health insurance companies in premium region 3(Canton Zurich) are listed below:

Health insurance Model Premiums in CHF
EGK TelCare 234.75
Concordia HMO 248.15
SLKK Smartmed 256.85
Sanitas NetMed 258.65
ÖKK HMO 259.85
Assura Qualimed 262.65
CSS HMO 264.35
KPT KPTwin 265.75
Helsana Hausarzt 272.15
Visana Managed Care 272.95

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 3(Canton of Zurich)

*Premium region 3: other municipalities

Compare and change health insurance companies in Zurich

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

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

Changing the deductible rate in Zurich

Adult policyholders in Zurich 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: