Cheapest health insurance in Geneva: 2027 premiums of all insurers
The official 2027 premiums of all health insurers active in Geneva, ranked from cheapest to most expensive, for adults, young adults and children. Geneva has the highest average premiums in Switzerland: choosing the right insurer pays off more there than anywhere else.
Updated on 20.10.2026 · Written by an AFA-certified broker · 2027 premiums · 21 insurers · a single premium region for the whole canton
The essentials in 30 seconds
- Cheapest insurer in Geneva (adult, standard model, deductible 300): Assura, 711.20 CHF per month.
- With the 2'500 CHF deductible: from 582.90 CHF per month.
- Cheapest alternative model: 343.50 CHF per month (Sanitas, deductible 2'500).
- For the same cover, the gap between the cheapest and the most expensive insurer reaches 2'454 CHF per year.
- To switch on 1st January 2027, your cancellation must be received by 30 November 2026 at the latest.
A single premium region in Geneva
Unlike Vaud or Valais, the canton of Geneva has only one premium region: an insurer's premium is the same in every Geneva municipality. All alternative models (family doctor, HMO, telemedicine) are offered across the whole canton.
Adults (26 and over): the 10 lowest premiums
Standard model (free choice of doctor), ranked by the 300 CHF deductible. Monthly premiums with accident cover unless stated otherwise.
| # | Insurer | Deductible 300 | Deductible 2'500 | 2'500 without accident |
|---|---|---|---|---|
| 1 | Assura | 711.20 | 582.90 | 542.10 |
| 2 | Vivao Sympany | 724.00 | 595.70 | 554.10 |
| 3 | EGK | 726.10 | 597.80 | 557.50 |
| 4 | ÖKK | 729.00 | 600.70 | 558.70 |
| 5 | Atupri | 732.50 | 604.20 | 574.00 |
| 6 | Concordia | 745.50 | 617.20 | 583.30 |
| 7 | Sanitas | 748.90 | 620.60 | 577.80 |
| 8 | Swica | 753.20 | 624.90 | 581.20 |
| 9 | KPT | 755.00 | 626.70 | 582.80 |
| 10 | Aquilana | 765.20 | 636.90 | 592.40 |
Adults: ranking with the 2'500 CHF deductible
If your employer insures you against accidents (at least 8 hours a week), you can drop this cover: that's the “without accident” column.
| # | Insurer | Deductible 2'500 | Without accident |
|---|---|---|---|
| 1 | Assura | 582.90 | 542.10 |
| 2 | Vivao Sympany | 595.70 | 554.10 |
| 3 | EGK | 597.80 | 557.50 |
| 4 | ÖKK | 600.70 | 558.70 |
| 5 | Atupri | 604.20 | 574.00 |
| 6 | Concordia | 617.20 | 583.30 |
| 7 | Sanitas | 620.60 | 577.80 |
| 8 | Swica | 624.90 | 581.20 |
| 9 | KPT | 626.70 | 582.80 |
| 10 | Aquilana | 636.90 | 592.40 |
Alternative models: the 10 lowest premiums
Alternative models (family doctor, HMO, telemedicine, pharmacy) are generally cheaper than the standard model, provided you accept a defined care pathway. In the official 2027 overview, the best-value offers we found start at around 612 CHF a month (deductible 300), versus 711.20 CHF for the cheapest standard model. These models are available throughout the canton: check that your doctor is part of the chosen network, or ask us for a free comparison.
Young adults (19 to 25)
| # | Insurer | Deductible 300 | Deductible 2'500 |
|---|---|---|---|
| 1 | Sanitas | 471.80 | 343.50 |
| 2 | Vivao Sympany | 528.60 | 400.20 |
| 3 | EGK | 537.30 | 409.00 |
| 4 | Assura | 540.60 | 412.30 |
| 5 | Mutuel | 545.30 | 417.30 |
| 6 | Atupri | 549.40 | 421.10 |
| 7 | Concordia | 551.70 | 423.40 |
| 8 | Swica | 564.90 | 436.60 |
Children (0 to 18)
2027 premiums for children (0 to 18) vary by insurer and deductible; some insurers give a discount from the third child. Ask us for a free comparison for your family: we do it with the official 2027 figures.
How to change insurer for 1st January 2027
- Compare. The premium depends on your municipality, your age, your deductible and the chosen model. An advisor can do the comparison for you, free of charge.
- Apply for membership with the new insurer, usually with its membership form. For basic insurance, it must accept you without a health questionnaire, without reservations and without a waiting period.
- Cancel in writing with your current insurer. The letter must be received by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
- Keep the confirmation. Your old insurance only ends once the new insurer confirms in writing that you are covered without interruption.
Your supplementary insurance can stay with your current insurer: its cancellation deadlines are different, check your general terms. If premiums or cost-sharing remain unpaid after a reminder, the switch may be blocked. The full guide to switching before 30 November
Deductible and model: where the savings are
Moving from the 300 CHF deductible to the 2'500 CHF one lowers the premium by about 1'540 CHF per year with the cheapest insurer. In return, you pay your medical costs yourself up to 2'500 CHF, plus 10 % co-payment up to 700 CHF per year.
- Few medical costs: the 2'500 CHF deductible is often the most advantageous.
- Regular costs (treatment, follow-up): the 300 CHF deductible is often safer.
- Family doctor, HMO or telemedicine: by accepting a first point of contact, the premium drops even further.
- Insured against accidents by your employer (at least 8 hours per week): you can remove accident cover.
For 2027, a lower deductible or a change of model must be requested in writing by 30 November 2026; a higher deductible until 31 December 2026. Calculate the deductible that suits you
Frequently asked questions
Which is the cheapest health insurer in Geneva in 2027?
For an adult with the standard model and the 300 CHF deductible, it is Assura, at 711.20 CHF per month. With the 2'500 CHF deductible, the premium starts from 582.90 CHF and, with an alternative model, from 343.50 CHF. The best choice depends on your age, your medical costs and the model you want.
Until when can I switch health insurer for 2027?
Your cancellation must be received by your current insurer by 30 November 2026 at the latest. The FOPH recommends sending it before 15 November, by registered mail or A Plus mail.
Can the new insurer refuse me?
No. For basic insurance, every insurer active in your canton must accept you, without a health questionnaire, without reservations and without a waiting period, whatever your age.
Do I also have to cancel my supplementary insurance?
No. You can change insurer for basic insurance and keep your supplementary policies. Their cancellation deadlines are different: check your general terms before cancelling them.
How much does the comparison cost at Tigre Assurance?
Nothing. The comparison and advice are free and without obligation. You get a quick reply on WhatsApp.
Subsidies in Geneva
Subsidies are managed by the Service de l'assurance maladie (SAM), route de Frontenex 62, 1207 Geneva, phone 022 546 19 00, www.ge.ch. In most cases the subsidy is granted automatically; some people must however apply (newcomers, people taxed at source, young adults, change of situation).
Cross-border workers
Geneva has a very large number of cross-border workers. If you work in Geneva and live in France, the right of option in principle lets you choose between LAMal and French insurance within three months of starting work. This choice is in principle final: compare before you decide.
Geneva municipalities
- Health insurance in Geneva
- Health insurance in Vernier
- Health insurance in Lancy
- Health insurance in Meyrin
- Health insurance in Carouge
- Health insurance in Onex
- Health insurance in Thônex
- Health insurance in Versoix
- Health insurance in Le Grand-Saconnex
- Health insurance in Chêne-Bougeries
- Health insurance in Plan-les-Ouates
- Health insurance in Bernex
Source: Federal Office of Public Health (FOPH), official overview of 2027 premiums for the canton of Geneva (priminfo.admin.ch). Monthly premiums in CHF, rounded to 5 centimes.