Young people aged 19 to 25: how to pay less for health insurance
Between 19 and 25, you pay a reduced premium. But with a few smart moves, you can save a lot more.
1. Make the most of youth premiums
In French-speaking Valais, the cheapest premium for a young adult starts at 263.70 CHF a month with a 2'500 deductible (Sanitas, 2027). Compare: the gap between insurers is large.
2. Choose the right deductible
If you rarely see a doctor, the 2'500 deductible is often the best value. Check with the calculator.
3. Drop accident cover if you work
Do you work at least 8 hours a week? Your employer already insures you against accidents: you can remove it from your LAMal.
4. Check subsidies
Many students and apprentices are entitled to a premium reduction. Check my entitlement.
5. Don't pay for liability twice
Living with your parents? Their private liability often covers you. Check before taking out your own.
Bonus: start your 3rd pillar
From your first job, every franc you pay in lowers your taxes. Simulate your retirement.
Published on 07.10.2026 · Tigre Assurance
Frequently asked questions
Up to what age do you pay the young adult premium?
The reduced young adult premium applies from age 19 to 25 inclusive.
Is a student entitled to subsidies?
Often yes, depending on income and canton. Conditions and amounts vary from one canton to another.