Sanitas Health Insurance: Models, Premiums, and Information for 2026

Compare Sanitas health insurance premiums for 2026. Learn more about affordable alternative models like CareMed, CallMed, and supplementary insurance.

Cheapest premiums of Sanitas

Here you will find the current cheapest premiums of Sanitas – broken down by age group, canton, region and chosen deductible.

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Adults (26+)

Model: Family Doctor (Hausarztmodell 1)
Deductible: CHF 2500
Region: Zug (Reg. 0)

Monthly premium from: 205.15 CHF (Net after allowance)
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Young People (19-25)

Model: Diverse (TelMed (Compact One))
Deductible: CHF 2500
Region: Zug (Reg. 0)

Monthly premium from: 145.35 CHF (Net after allowance)
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Children (0-18)

Model: Diverse (TelMed (Compact One))
Deductible: CHF 600
Region: Nidwalden (Reg. 0)

Monthly premium from: 58.05 CHF (Net after allowance)
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Important: Please note that the premiums listed here represent the lowest available rates (highest deductible & alternative model).

About Sanitas Health Insurance

Sanitas Health Insurance is one of the leading, most innovative, and most trusted health insurance companies in Switzerland. Serving over a million clients, Sanitas provides exceptional financial stability, premium customer service, and cutting-edge digital solutions like the Sanitas Portal App, which makes managing your policy and invoices effortless.

Whether for individuals, families, or expats, Sanitas offers comprehensive and reliable coverage ranging from mandatory basic insurance to tailored supplementary plans.

Basic Insurance (KVG/LAMal) and Savings Models

Under the mandatory basic health insurance (KVG), Sanitas offers several alternative insurance models (AAM) designed to reduce your monthly insurance premiums:

  • Standard Model (Free Choice of Doctor): Offers maximum flexibility when choosing doctors and hospitals across Switzerland.
  • CareMed (Family Doctor Model): Your designated family doctor acts as your first point of contact, giving you access to substantial premium discounts.
  • CallMed / Compact One (Telmed Models): Requires a medical hotline consultation or digital app check-up before visiting a doctor. Ideal for tech-savvy and budget-conscious policyholders.
  • Compact Base (HMO Model): Medical treatment is exclusively coordinated through a designated group practice or health center (HMO center).

Combining a smart savings model with an optimal annual deductible (franchise) is the best way to optimize your health insurance premiums for 2026.

Supplementary Insurance Plans (VVG/LCA)

To safely bridge any coverage gaps in the basic insurance, Sanitas provides a wide array of supplementary insurance plans:

  • Hospital Insurance (Sana / Hospital): Enjoy flexible options between general, semi-private, or private wards for ultimate hospital comfort.
  • Outpatient Supplementary Insurance: Generous contributions toward alternative medicine, dental checkups, eyeglasses, fitness subscriptions, and preventive healthcare.
  • Dental Insurance: Extensive coverage for dental treatments, dental hygiene, and orthodontics (highly recommended for children).

With its adaptable products, Sanitas stands out as a stable, future-proof, and modern choice for anyone living in Switzerland.

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Premium Check: Where is Sanitas Most Affordable?

Sanitas premiums vary depending on your region of residence, age group, and chosen franchise. In many Swiss cantons, Sanitas remains highly competitive, offering excellent value via its CareMed and Compact One plans.

Use our independent premium calculator to determine your cheapest custom premium for 2026 within seconds.

Frequently Asked Questions (FAQ) about the premiums of Sanitas

Frequent questions about premiums for Adults (26+)

Where can I find the cheapest premium of Sanitas for Adults (26+) (without accident)?

The lowest monthly premium for Adults (26+) (without accident coverage) is currently 205.15 CHF. This tariff is offered in Canton Zug (Region 0). It is based on the Family Doctor - Hausarztmodell 1 model with a deductible of 2500 CHF.

What is the cheapest Sanitas premium for Adults (26+) with accident coverage?

The cheapest premium for Adults (26+) (with accident coverage) is 220.75 CHF per month. This premium is also available in Canton Zug and uses the Family Doctor model.

What is the most expensive premium of Sanitas for Adults (26+) (without accident)?

The highest premium for Adults (26+) (without accident coverage) is 572.30 CHF. This maximum premium is reached in Canton Geneva (Region 0). It is based on the Standard model with the lowest deductible.

What is the maximum premium of Sanitas for Adults (26+) (with accident coverage)?

The maximum premium for Adults (26+) including accident coverage is 614.70 CHF per month. This price applies in Canton Geneva in the standard model.

Frequent questions about premiums for Young People (19-25)

Where can I find the cheapest premium of Sanitas for Young People (19-25) (without accident)?

The lowest monthly premium for Young People (19-25) (without accident coverage) is currently 145.35 CHF. This tariff is offered in Canton Zug (Region 0). It is based on the Diverse - TelMed (Compact One) model with a deductible of 2500 CHF.

What is the cheapest Sanitas premium for Young People (19-25) with accident coverage?

The cheapest premium for Young People (19-25) (with accident coverage) is 156.45 CHF per month. This premium is also available in Canton Zug and uses the Diverse model.

What is the most expensive premium of Sanitas for Young People (19-25) (without accident)?

The highest premium for Young People (19-25) (without accident coverage) is 316.40 CHF. This maximum premium is reached in Canton Geneva (Region 0). It is based on the Standard model with the lowest deductible.

What is the maximum premium of Sanitas for Young People (19-25) (with accident coverage)?

The maximum premium for Young People (19-25) including accident coverage is 339.80 CHF per month. This price applies in Canton Geneva in the standard model.

Frequent questions about premiums for Children (0-18)

Where can I find the cheapest premium of Sanitas for Children (0-18) (without accident)?

The lowest monthly premium for Children (0-18) (without accident coverage) is currently 58.05 CHF. This tariff is offered in Canton Nidwalden (Region 0). It is based on the Diverse - TelMed (Compact One) model with a deductible of 600 CHF.

What is the cheapest Sanitas premium for Children (0-18) with accident coverage?

The cheapest premium for Children (0-18) (with accident coverage) is 62.65 CHF per month. This premium is also available in Canton Nidwalden and uses the Diverse model.

What is the most expensive premium of Sanitas for Children (0-18) (without accident)?

The highest premium for Children (0-18) (without accident coverage) is 145.90 CHF. This maximum premium is reached in Canton Geneva (Region 0). It is based on the Standard model with the lowest deductible.

What is the maximum premium of Sanitas for Children (0-18) (with accident coverage)?

The maximum premium for Children (0-18) including accident coverage is 156.70 CHF per month. This price applies in Canton Geneva in the standard model.

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