Key points at a glance
This page is written for residents of Cugy, in the canton of Vaud, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Cugy, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 1 of the canton of Vaud), never on your health: for basic insurance, every insurer must accept you. Cugy has roughly 2’737 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Cugy, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Morrens (1 km), Bretigny-sur-Morrens (2 km), Etagnières (3 km).
Cugy at a glance: your local context
Cugy, a municipality of roughly 2’737 residents in the canton of Vaud, has its own profile when it comes to health insurance. For health insurance premiums, Cugy belongs to FOPH premium region 1 of the canton of Vaud. 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 2’737
- Canton: Vaud
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 1053
- Federal municipality number (BFS): 5516
Applying for premium subsidies around Cugy: compare neighbouring municipalities
Around Cugy, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Morrens — 0.8 km away
- Applying for premium subsidies in Bretigny-sur-Morrens — 2.2 km away
- Applying for premium subsidies in Etagnières — 2.9 km away
- Applying for premium subsidies in Cheseaux-sur-Lausanne — 3.3 km away
- Applying for premium subsidies in Le Mont-sur-Lausanne — 3.6 km away
- Applying for premium subsidies in Romanel-sur-Lausanne — 3.7 km away
- Applying for premium subsidies in Épalinges — 3.9 km away
- Applying for premium subsidies in Froideville — 4.1 km away
- Applying for premium subsidies in Assens — 4.2 km away
- Applying for premium subsidies in Bottens — 4.3 km away
Health insurance premiums 2026 in Cugy: the real numbers
The range in Cugy is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 570 to 764 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’326 francs a year, without giving anything up. The lowest adult premium there comes with the "HMO / network" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 570 – 764 CHF | from 442 CHF |
| Young adults (19–25) | 413 – 648 CHF | from 284 CHF |
| Children (0–18) | 44 – 179 CHF | — |
Our comparison tool does this work for you: the 67 insurers available for Cugy are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Cugy: choosing insurer, deductible and model
Three decisions drive your premium in Cugy. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Cugy starts as low as 442 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Vaud: the entitlement goes surprisingly often unclaimed.
Checklist for Cugy
- 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 Vaud.
Free premium comparison for Cugy →
How we work for Cugy
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Vaud. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Cugy this difference is measurable: 570–764 francs a month for adults, i.e. up to 2’326 francs a year across 67 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Cugy (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Cugy?
In Cugy (postal code 1053), the 2026 adult basic-insurance premium ranges from 570 to 764 francs a month depending on the insurer (deductible 300), from 413 francs for young adults and from 44 francs for children. For identical cover, the difference reaches up to 2’326 francs a year (FOPH premium region 1 of the canton of Vaud). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Cugy have the same premiums?
Not necessarily. Cugy and nearby municipalities such as Morrens (1 km), Bretigny-sur-Morrens (2 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 Cugy?
No, it is for orientation in Cugy. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Vaud.
Can I compare "Applying for premium subsidies" in Cugy with no obligation?
Of course. The starting point is your situation in Cugy; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Cugy is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.