Lausanne residents will pay 4.9% more for health insurance in 2025. That's an extra CHF 250 per year—money you could save by switching to a smarter plan. Switching takes 15 minutes and could save you CHF 600-1,800 annually.
Submit your cancellation letter by November 30 to switch insurers on January 1. Don't miss this window—the next opportunity won't come until June at the earliest.
For 40-year-olds in Lausanne (Region 1), these insurers offer the lowest premiums with CHF 2,500 deductible.
| Insurer | Model | Monthly Premium | Annual Savings |
|---|---|---|---|
| Assura | Telmed | ~CHF 385 | Up to CHF 1,200 |
| Sanitas | HMO | ~CHF 392 | Up to CHF 1,100 |
| Atupri | Telmed | ~CHF 395 | Up to CHF 1,050 |
| Vivao Sympany | HMO | ~CHF 398 | Up to CHF 1,000 |
| CSS | Family Doctor | ~CHF 405 | Up to CHF 900 |
Verify your options: Use the official PRIMINFO comparison tool from the Swiss Federal Office of Public Health. It's the only completely reliable source for premium data.
Choosing the right insurance model saves more money than choosing the cheapest insurer with the wrong model.
See any doctor, anytime. Maximum flexibility, maximum cost. This is the default—and most expensive—option.
Call a medical hotline before visiting a doctor. Perfect for healthy 40-year-olds who want guidance before appointments. Save 15-20%
Visit a designated health center for all non-emergency care. Best for people who prefer one medical team. Save up to 25%
Choose a GP as your first point of contact. Best for those who already have a trusted doctor in Lausanne. Save 10-15%
A 40-year-old in Lausanne switching from Standard to HMO model:
Your deductible is what you pay before insurance kicks in. Higher deductible = lower monthly premium.
If your annual medical costs stay below CHF 2,000, choose the maximum CHF 2,500 deductible. If you spend more than CHF 2,000 yearly, the CHF 300 deductible saves money.
You're at an age where preventive screenings become more important. If you plan to get regular check-ups, factor those costs into your deductible decision.
Beyond choosing the right model and deductible, here are additional strategies to reduce your costs.
If you work 8+ hours/week for the same employer, your workplace covers accidents. Excluding it from LAMal saves 5-10%.
Most insurers offer discounts for paying upfront. On CHF 5,000 annual premium, that's CHF 50-100 saved.
In Vaud, 36% of residents receive premium subsidies. Singles under ~CHF 54,000/year may qualify.
Who qualifies:
How to apply: Contact the Office vaudois de l'assurance-maladie
Subsidies can cover 30-100% of your premium depending on income.
Every LAMal insurer covers identical basic benefits. The cheapest insurer provides the same mandatory coverage as the most expensive one.
Blood pressure, cholesterol, eye exams
All recommended vaccines fully covered
Colonoscopy, mammograms, stool analysis
Dental, alternative medicine, private rooms
The actual switch is seamless. Apply to your new insurer, cancel the old one, and coverage transfers automatically on January 1.
Use PRIMINFO to compare all insurers. Enter your age, region (Lausanne = Vaud Region 1), and preferred model.
Contact your chosen insurer online or by phone. They'll send confirmation within days.
Send a registered letter (lettre recommandée) to your current insurer. Keep the postal receipt as proof.
Your new insurer will send your insurance card in late December or early January. Coverage transfers automatically.
Madame, Monsieur,
Par la présente, je résilie mon assurance maladie obligatoire (LAMal) avec effet au 31 décembre 2025.
Numéro d'assuré: your number Date de naissance: your date
Je vous prie de bien vouloir m'envoyer une confirmation de résiliation.
Salutations distinguées, Your name and signature
Important details for Lausanne residents about regions, hospital access, and language support.
Lausanne falls in Region 1 with higher premiums. Nyon, Yverdon-les-Bains, or smaller towns may be Region 2 with lower costs.
All LAMal plans provide access to CHUV's services—you don't need premium insurance for excellent care at Switzerland's largest teaching hospital.
The Office vaudois de l'assurance-maladie (ovam.ch) provides French-language support for all insurance questions.
Yes. All LAMal insurers are regulated by the Swiss government and must provide identical basic coverage. Assura, Sanitas, and other budget options cover the same treatments as premium insurers.
Absolutely. Insurers cannot reject LAMal applications or charge higher premiums based on health status. Pre-existing conditions don't affect basic coverage.
You'll stay with your current insurer until June 30 at the earliest—and only if you have the standard model with CHF 300 deductible. Otherwise, you wait until the next November.
Review your options annually. Insurers adjust premiums differently, so last year's cheapest may not be this year's best deal. The 15 minutes spent comparing could save hundreds.
It depends on your needs. Basic LAMal covers most medical care. Consider supplements for dental work, alternative medicine, or private hospital rooms. Compare these separately from basic insurance.
The actual switch is seamless. Apply to your new insurer, cancel the old one, and coverage transfers automatically on January 1. No gaps, no paperwork between insurers.
Your November checklist:
The average 40-year-old in Lausanne who optimizes their insurance saves CHF 800-1,500 per year. That's real money back in your pocket—for 15 minutes of comparison work.
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