Key points at a glance
This page is written for residents of Sergey, 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 Sergey, 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, never on your health: for basic insurance, every insurer must accept you. Sergey has roughly 146 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Sergey, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: L'Abergement (1 km), Rances (2 km), Montcherand (2 km).
Sergey at a glance: your local context
Sergey, a municipality of roughly 146 residents in the canton of Vaud, has its own profile when it comes to health insurance. In Sergey, the official FOPH premium rates for the canton of Vaud apply.
- Population: roughly 146
- Canton: Vaud
- Federal municipality number (BFS): 5762
Applying for premium subsidies around Sergey: compare neighbouring municipalities
Living or working near Sergey? 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 L'Abergement — 1.4 km away
- Applying for premium subsidies in Rances — 1.7 km away
- Applying for premium subsidies in Montcherand — 2.3 km away
- Applying for premium subsidies in Valeyres-sous-Rances — 2.5 km away
- Applying for premium subsidies in Les Clées — 3.3 km away
- Applying for premium subsidies in Baulmes — 3.8 km away
- Applying for premium subsidies in Orbe — 3.8 km away
- Applying for premium subsidies in Agiez — 3.8 km away
- Applying for premium subsidies in Lignerolle — 4.4 km away
- Applying for premium subsidies in Bretonnières — 4.6 km away
Health insurance premiums 2026 in Sergey: the real numbers
In Sergey, an adult with a 300 CHF deductible pays between 570 and 764 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’326 francs a year. 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 Sergey are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Sergey: choosing insurer, deductible and model
Three decisions drive your premium in Sergey. 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 Sergey 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.
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 Vaud — many households leave this reduction unused.
Checklist for Sergey
- 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 Sergey →
How we work for Sergey
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 Sergey 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 Sergey (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Sergey?
In Sergey, 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. Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Sergey have the same premiums?
Not necessarily. Sergey and nearby municipalities such as L'Abergement (1 km), Rances (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 Sergey?
No, it is for orientation in Sergey. 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 Sergey with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Sergey follow. The comparison is free, and no offer is binding.
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
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.