Health Insurance in Lugano (2026) Guide for Expats
How Swiss basic health insurance (KVG/LAMal) works in Lugano. See 2026 premiums, models (HMO/Telmed), how to switch by 30 Nov, and where to claim subsidies.
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2026 Premiums in Lugano: what to expect
Lugano is in premium region 5, with moderate costs in Switzerland's Italian-speaking canton. The healthcare system serves both locals and cross-border workers efficiently.
| Profile | Model | Deductible | Typical monthly range (CHF) |
|---|---|---|---|
| Adult 25–35 | Telmed | 2,500 | 245–335 |
| Adult 35–45 | HMO | 2,500 | 275–355 |
| Family (2 adults + child) | HMO mix | mixed | 640–860 |
Note: These are indicative ranges. We'll send 3 tailored offers for your postcode within 24h.
Telmed/HMO Savings
Save 10-25% vs Standard model by accepting some restrictions on doctor choice.
Deductible Logic
Higher deductible = lower monthly premium. Choose based on your expected healthcare usage.
How to set up or switch (for 1 Jan 2026)
Compare models & premiums
Compare Telmed/HMO/Family Doctor/Standard models and their costs for your situation.
Apply to the new insurer
Basic insurance = guaranteed acceptance. No health questions or waiting periods.
Send cancellation by 30 November 2025
Cancel your current policy to start fresh on 1 January 2026.
Not sure which option is best for you?
Premium subsidies (Ticino)
Who qualifies
Income-based eligibility varies by canton and household size
What you need
Insurance policy details and tax information
Decision time
Processing varies by canton - apply early
For expats: Residency and tax residence in Switzerland affects eligibility. Most subsidies require you to be registered and paying taxes in Ticino.
FAQs — health insurance in Lugano
Why are premiums moderate in Lugano?
Lugano is in premium region 5, with moderate costs reflecting the Italian-speaking canton's healthcare infrastructure and population density.
Which model is cheapest in Lugano (Telmed, HMO, Family Doctor, Standard)?
Telmed is often the cheapest, followed by HMO/Family Doctor models. Standard usually costs the most but offers the most flexibility.
Can I pick any insurer or only a Ticino company?
You can choose any licensed Swiss insurer. Your premium is based on your residence in Lugano, regardless of the insurer's location.
Where do I apply for subsidies in Ticino?
Apply via the canton premium-reduction portal. Income and residency requirements apply.
When is the deadline to switch for 2026?
Send your cancellation by 30 November 2025 for a 1 January 2026 start.