Health Insurance in Zug (2026) Guide for Expats
How Swiss basic health insurance (KVG/LAMal) works in Zug. See 2026 premiums, models (HMO/Telmed), how to switch by 30 Nov, and where to claim subsidies.
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🎉 BREAKING: Zug Premiums DECREASE 15% in 2026!
Zug is the ONLY Swiss canton with decreasing premiums in 2026
• 15% premium decrease for all residents
• Canton covers 99% of hospital costs for 2 years
• Funded by CHF 200 million cantonal surplus
• While other cantons increase 4.4% average, Zug residents save money!
Zug was already in premium region 6 with some of Switzerland's lowest costs. The 2026 decrease makes it even more attractive for residents.
| Profile | Model | Deductible | Typical monthly range (CHF) |
|---|---|---|---|
| Adult 25–35 | Telmed | 2,500 | 230–320 |
| Adult 35–45 | HMO | 2,500 | 260–340 |
| Family (2 adults + child) | HMO mix | mixed | 590–800 |
2026 Update: All premiums shown will be approximately 15% LOWER in 2026 due to Zug's unique cantonal subsidy. We'll send 3 updated 2026 offers 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 (Zug)
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 Zug.
FAQs — health insurance in Zug
Why are premiums decreasing in Zug for 2026?
Zug is the ONLY Swiss canton with decreasing premiums in 2026 - approximately 15% lower! The canton is using a CHF 200 million surplus to cover 99% of hospital costs for two years. Combined with being in premium region 6, this makes Zug extremely attractive for 2026.
Which model is cheapest in Zug (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 Zug company?
You can choose any licensed Swiss insurer. Your premium is based on your residence in Zug, regardless of the insurer's location.
Where do I apply for subsidies in Zug?
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.