Example of health insurance premium for a family in Lausanne in 2026

In Switzerland, the cost of basic health insurance (LAMal) weighs particularly heavily on family budgets. Premium differences between insurers can amount to several hundred francs per month, depending on the fund, the model chosen, and the profile of the insured.

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💡 Profile studied

• Parents: 35 and 33 years old, in good health, maximum deductible CHF 2,500, no accident cover.
• Children: 15 and 12 years old, CHF 0 deductible, with accident cover.
• Place of residence: Lausanne (canton of Vaud).

📊 Comparison of monthly premiums in 2026

• Helsana BeneFit PLUS Flexmed R1: CHF 1,086.40 / month → the cheapest offer for this family.

• Philos: CHF 1,550.– / month → the most expensive offer for the same profile.

👉 The difference is CHF 463.60 per month, or more than CHF 5,500 per year.

🔍 Analysis of the differences

1. Insurance model: Helsana offers an alternative “Flexmed” model here, which requires contacting a coordination point before going to a doctor, which significantly reduces premiums. Philos, on the other hand, remains more expensive even with comparable models.
2. Adapted deductibles: Parents chose the maximum deductible (CHF 2,500), ideal for healthy adults. Children have a CHF 0 deductible, as they consult more frequently.
3. Canton of Vaud: Lausanne is one of the regions where premiums are among the highest in Switzerland, which accentuates the differences between insurers.

✅ Advice for families

• Compare each year: the amount of premiums varies significantly from one insurer to another.
• Adjust deductibles: high for healthy parents, low for children.
• Choose an alternative model (HMO, family doctor, Telmed, Flex) which allows you to reduce the premium by up to 20 %.
• Exclude the accident if already covered by the employer.

📌 Conclusion

In Lausanne, a family with two parents aged 35 and 33 and two children aged 15 and 12 will pay between CHF 1,086.40 (Helsana BeneFit PLUS Flexmed R1) and CHF 1,550 (Philos) for their basic health insurance in 2026. The difference of more than CHF 5,500 per year illustrates how essential comparing health insurance companies is to protect your health without straining your budget.