Key points at a glance
Living in Cugnasco-Gerra (canton of Ticino) and want to stay on top of your health insurance? Here are the essentials: compulsory basic insurance (LAMal) covers exactly the same benefits at every insurer, so in Cugnasco-Gerra you don't save by taking less protection — you save through the right insurer, deductible and model.
Your premium depends on your FOPH/OFSP premium region (region 1 of the canton of Ticino), never on your health: for basic insurance, every insurer must accept you. Cugnasco-Gerra has roughly 2’877 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Cugnasco-Gerra, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Lavertezzo (2 km), Cadenazzo (3 km), Monteceneri (5 km).
Cugnasco-Gerra at a glance: your local context
Cugnasco-Gerra, a municipality of roughly 2’877 residents in the canton of Ticino, has its own profile when it comes to health insurance. For health insurance premiums, Cugnasco-Gerra belongs to FOPH premium region 1 of the canton of Ticino. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 2’877
- Canton: Ticino
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 6516
- Federal municipality number (BFS): 5138
Applying for premium subsidies around Cugnasco-Gerra: compare neighbouring municipalities
Living or working near Cugnasco-Gerra? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Applying for premium subsidies in Lavertezzo — 1.9 km away
- Applying for premium subsidies in Cadenazzo — 3.2 km away
- Applying for premium subsidies in Monteceneri — 4.6 km away
- Applying for premium subsidies in Gordola — 4.7 km away
- Applying for premium subsidies in Tenero-Contra — 5.5 km away
- Applying for premium subsidies in Sant'Antonino — 5.5 km away
- Applying for premium subsidies in Isone — 6.3 km away
- Applying for premium subsidies in Monte Carasso — 6.7 km away
- Applying for premium subsidies in Gambarogno — 7.4 km away
- Applying for premium subsidies in Mezzovico-Vira — 7.4 km away
Health insurance premiums 2026 in Cugnasco-Gerra: the real numbers
Concretely for Cugnasco-Gerra: the 2026 adult premium (deductible 300 CHF) is between 584 and 827 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 2’911 francs of difference a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 584 – 827 CHF | from 474 CHF |
| Young adults (19–25) | 426 – 639 CHF | from 307 CHF |
| Children (0–18) | 43 – 180 CHF | — |
That is exactly what our comparison does: it ranks the 67 insurers active in Cugnasco-Gerra from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Cugnasco-Gerra →
Basic insurance in Cugnasco-Gerra: choosing insurer, deductible and model
You steer your premium in Cugnasco-Gerra with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Cugnasco-Gerra starts as low as 474 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Ticino — many households leave this reduction unused.
Checklist for Cugnasco-Gerra
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Ticino.
Free premium comparison for Cugnasco-Gerra →
How we work for Cugnasco-Gerra
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Ticino. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Cugnasco-Gerra this difference is measurable: 584–827 francs a month for adults, i.e. up to 2’911 francs a year across 67 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Cugnasco-Gerra (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Cugnasco-Gerra?
In Cugnasco-Gerra (postal code 6516), the 2026 adult basic-insurance premium ranges from 584 to 827 francs a month depending on the insurer (deductible 300), from 426 francs for young adults and from 43 francs for children. For identical cover, the difference reaches up to 2’911 francs a year (FOPH premium region 1 of the canton of Ticino). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Cugnasco-Gerra have the same premiums?
Not necessarily. Cugnasco-Gerra and nearby municipalities such as Lavertezzo (2 km), Cadenazzo (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Cugnasco-Gerra?
No, it is for orientation in Cugnasco-Gerra. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Ticino.
Can I compare "Applying for premium subsidies" in Cugnasco-Gerra with no obligation?
Of course. The starting point is your situation in Cugnasco-Gerra; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
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Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.