Zurich cityscape with Lake Zurich, mountain views, and the financial district - health insurance guide for expats

Health Insurance in Zurich (2026) Guide for Expats

How Swiss basic health insurance (KVG/LAMal) works in Zurich. See 2026 premiums, models (HMO/Telmed), how to switch by 30 Nov, and where to claim subsidies.

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2026 Premiums in Zurich: what to expect

Zurich is in premium region 1 (the highest), reflecting advanced healthcare infrastructure and higher overall costs. Choosing the right model (Telmed/HMO) can significantly reduce your monthly premiums.

Profile Model Deductible Typical monthly range (CHF)
Adult 25–35 Telmed 2,500 270–360
Adult 35–45 HMO 2,500 300–380
Family (2 adults + child) HMO mix mixed 700–950

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)

1

Compare models & premiums

Compare Telmed/HMO/Family Doctor/Standard models and their costs for your situation.

2

Apply to the new insurer

Basic insurance = guaranteed acceptance. No health questions or waiting periods.

3

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 (Zürich)

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 Zürich.

Popular insurers in Zurich

CSS

Broad network, competitive HMO/Telmed options

Swica

Strong service, wellness benefits

Helsana

Digital tools, cross-border friendly

Sanitas

App-first options

We compare all major insurers and send 3 tailored offers within 24 hours.

FAQs — health insurance in Zurich

Why are premiums higher in Zurich?

Zurich is in premium region 1, the highest cost bracket in Switzerland. This reflects higher healthcare costs, more specialists, and advanced medical facilities in the canton.

Which model is cheapest in Zurich (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 Zürich company?

You can choose any licensed Swiss insurer. Your premium is based on your residence in Zurich, regardless of the insurer's location.

Where do I apply for subsidies in Zürich?

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.

Ready to get started?