Key points at a glance
Living in Saint-Nicolas (canton of Valais) 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 Saint-Nicolas 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 2 of the canton of Valais), never on your health: for basic insurance, every insurer must accept you. Saint-Nicolas has roughly 2’239 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Saint-Nicolas, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Embd (4 km), Grächen (4 km), Törbel (7 km).
Saint-Nicolas at a glance: your local context
Saint-Nicolas, a municipality of roughly 2’239 residents in the canton of Valais, has its own profile when it comes to health insurance. For health insurance premiums, Saint-Nicolas belongs to FOPH premium region 2 of the canton of Valais. 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 2’239
- Canton: Valais
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3924
- Federal municipality number (BFS): 6292
Health insurance and supplementary cover around Saint-Nicolas: compare neighbouring municipalities
Around Saint-Nicolas, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Embd — 3.9 km away
- Health insurance and supplementary cover in Grächen — 4.0 km away
- Health insurance and supplementary cover in Törbel — 7.3 km away
- Health insurance and supplementary cover in Stalden — 7.6 km away
- Health insurance and supplementary cover in Eisten — 7.9 km away
- Health insurance and supplementary cover in Staldenried — 9.3 km away
- Health insurance and supplementary cover in Bürchen — 9.4 km away
- Health insurance and supplementary cover in Unterbäch — 9.4 km away
- Health insurance and supplementary cover in Randa — 9.4 km away
- Health insurance and supplementary cover in Oberems — 9.6 km away
Health insurance premiums 2026 in Saint-Nicolas: the real numbers
Concretely for Saint-Nicolas: the 2026 adult premium (deductible 300 CHF) is between 406 and 598 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 2’299 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) | 406 – 598 CHF | from 295 CHF |
| Young adults (19–25) | 297 – 454 CHF | from 186 CHF |
| Children (0–18) | 30 – 130 CHF | — |
That is exactly what our comparison does: it ranks the 76 insurers active in Saint-Nicolas from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Saint-Nicolas →
Basic insurance in Saint-Nicolas: choosing insurer, deductible and model
You steer your premium in Saint-Nicolas 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 Saint-Nicolas starts as low as 295 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 Valais — many households leave this reduction unused.
Checklist for Saint-Nicolas
- 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 Valais.
Free premium comparison for Saint-Nicolas →
How we work for Saint-Nicolas
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 Valais. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Saint-Nicolas this difference is measurable: 406–598 francs a month for adults, i.e. up to 2’299 francs a year across 76 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Saint-Nicolas (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Saint-Nicolas?
In Saint-Nicolas (postal code 3924), the 2026 adult basic-insurance premium ranges from 406 to 598 francs a month depending on the insurer (deductible 300), from 297 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’299 francs a year (FOPH premium region 2 of the canton of Valais). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Saint-Nicolas have the same premiums?
Not necessarily. Saint-Nicolas and nearby municipalities such as Embd (4 km), Grächen (4 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 Saint-Nicolas?
No. It explains the insurance and tax concepts for residents of Saint-Nicolas (canton of Valais). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Saint-Nicolas with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Saint-Nicolas 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
This local guide for Saint-Nicolas 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.