Vivao Sympany AG: 2026 premiums compared
Vivao Sympany AG offers basic insurance in 2026 in 26 cantons, from CHF 392.00 a month. In 0 cantons it is the cheapest insurer of all.
Vivao Sympany AG canton by canton (2026)
Reference: adult aged 26+, franchise CHF 300, standard model with free choice of doctor, with accident cover.
| Canton | Vivao Sympany AG premium | Cheapest in canton | Extra per year |
|---|---|---|---|
| Aargau | CHF 566.00 | CHF 519.25 | + CHF 561/J |
| Appenzell Ausserrhoden | CHF 528.00 | CHF 479.40 | + CHF 583/J |
| Appenzell Innerrhoden | CHF 419.00 | CHF 411.00 | + CHF 96/J |
| Basel-Landschaft | CHF 654.00 | CHF 575.30 | + CHF 944/J |
| Basel-Stadt | CHF 677.00 | CHF 673.70 | + CHF 40/J |
| Bern | CHF 583.00 | CHF 520.40 | + CHF 751/J |
| Freiburg | CHF 553.00 | CHF 523.30 | + CHF 356/J |
| Genf | CHF 700.00 | CHF 686.70 | + CHF 160/J |
| Glarus | CHF 546.00 | CHF 493.00 | + CHF 636/J |
| Graubünden | CHF 493.00 | CHF 426.00 | + CHF 804/J |
| Jura | CHF 659.00 | CHF 628.20 | + CHF 370/J |
| Luzern | CHF 490.00 | CHF 452.80 | + CHF 446/J |
| Neuenburg | CHF 794.00 | CHF 655.90 | + CHF 1'657/J |
| Nidwalden | CHF 464.00 | CHF 448.10 | + CHF 191/J |
| Obwalden | CHF 499.00 | CHF 445.10 | + CHF 647/J |
| Schaffhausen | CHF 566.00 | CHF 504.40 | + CHF 739/J |
| Schwyz | CHF 516.00 | CHF 439.30 | + CHF 920/J |
| Solothurn | CHF 614.00 | CHF 565.40 | + CHF 583/J |
| St. Gallen | CHF 525.00 | CHF 467.00 | + CHF 696/J |
| Tessin | CHF 713.00 | CHF 626.70 | + CHF 1'036/J |
| Thurgau | CHF 538.00 | CHF 499.60 | + CHF 461/J |
| Uri | CHF 453.00 | CHF 437.90 | + CHF 181/J |
| Waadt | CHF 664.00 | CHF 601.70 | + CHF 748/J |
| Wallis | CHF 502.00 | CHF 470.90 | + CHF 373/J |
| Zug | CHF 392.00 | CHF 385.80 | + CHF 74/J |
| Zürich | CHF 565.00 | CHF 488.50 | + CHF 918/J |
What this insurer actually offers
Insurance models: Standard (free choice of doctor), Other (Telmed, pharmacy …), Family doctor, HMO
Franchises for adults: CHF 300, 500, 1'000, 1'500, 2'000, 2'500
Franchises for children: CHF 0, 200, 400, 600 Not every insurer offers children all levels — that is what decides the cheapest family solution.
How Vivao Sympany AG has developed since 2021
| Year | Lowest premium | Change |
|---|---|---|
| 2021 | CHF 403.00 | — |
| 2022 | CHF 384.00 | -4.7 % |
| 2023 | CHF 398.00 | +3.6 % |
| 2024 | CHF 406.00 | +2.0 % |
| 2025 | CHF 402.00 | -1.0 % |
| 2026 | CHF 392.00 | -2.5 % |
The lowest premium at Vivao Sympany AG went from CHF 403.00 (2021) to CHF 392.00 (2026) — -2.7 %.
Why the benefits are the same everywhere
Basic insurance is defined by law (KVG/LAMal). Vivao Sympany AG must pay for the same treatments as any other insurer and must accept every applicant, with no health questions. Price, service and supplementary products differ — the latter are not compared here.
Frequently asked questions
Is Vivao Sympany AG expensive?
For an adult with a CHF 300 franchise and the standard model, Vivao Sympany AG costs between CHF 392.00 and CHF 794.00 a month in 2026, depending on the canton. In 0 of 26 cantons it is the cheapest insurer.
Are the benefits at Vivao Sympany AG worse than at a more expensive insurer?
No. The benefit catalogue of compulsory basic insurance is set by law and identical for every insurer.
How do I switch to or away from Vivao Sympany AG?
Notice for basic insurance must reach your current insurer by 30 November (arrival, not postmark). The new insurer must accept you.