Key points at a glance
Living in Kloten (canton of Zurich) 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 Kloten you don't save by taking less protection — you save through the right insurer, deductible and model.
What sets your premium is your FOPH premium region (Kloten belongs to region 1 in the canton of Zurich) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Kloten has roughly 19’362 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Kloten, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Opfikon (2 km), Bassersdorf (3 km), Rümlang (4 km).
Kloten at a glance: your local context
Kloten, a municipality of roughly 19’362 residents in the canton of Zurich, has its own profile when it comes to health insurance. Kloten lies in premium region 1 of the canton of Zurich (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 19’362
- Canton: Zurich
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8302
- Federal municipality number (BFS): 62
Health insurance and supplementary cover around Kloten: compare neighbouring municipalities
Around Kloten, 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 Opfikon — 1.9 km away
- Health insurance and supplementary cover in Bassersdorf — 3.5 km away
- Health insurance and supplementary cover in Rümlang — 3.8 km away
- Health insurance and supplementary cover in Wallisellen — 3.8 km away
- Health insurance and supplementary cover in Dietlikon — 4.2 km away
- Health insurance and supplementary cover in Lufingen — 4.7 km away
- Health insurance and supplementary cover in Nürensdorf — 5.0 km away
- Health insurance and supplementary cover in Oberembrach — 5.1 km away
- Health insurance and supplementary cover in Winkel — 5.4 km away
- Health insurance and supplementary cover in Oberglatt — 5.7 km away
Health insurance premiums 2026 in Kloten: the real numbers
Concretely for Kloten: the 2026 adult premium (deductible 300 CHF) is between 518 and 724 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 2’476 francs of difference 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) | 518 – 724 CHF | from 389 CHF |
| Young adults (19–25) | 371 – 591 CHF | from 243 CHF |
| Children (0–18) | 41 – 168 CHF | — |
That is exactly what our comparison does: it ranks the 83 insurers active in Kloten from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Basic insurance in Kloten: choosing insurer, deductible and model
You steer your premium in Kloten 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 Kloten starts as low as 389 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 Zurich — many households leave this reduction unused.
Checklist for Kloten
- 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 Zurich.
Free premium comparison for Kloten →
How we work for Kloten
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 Zurich. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Kloten this difference is measurable: 518–724 francs a month for adults, i.e. up to 2’476 francs a year across 83 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Kloten (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Kloten?
In Kloten (postal code 8302), the 2026 adult basic-insurance premium ranges from 518 to 724 francs a month depending on the insurer (deductible 300), from 371 francs for young adults and from 41 francs for children. For identical cover, the difference reaches up to 2’476 francs a year (FOPH premium region 1 of the canton of Zurich). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Kloten have the same premiums?
Not necessarily. Kloten and nearby municipalities such as Opfikon (2 km), Bassersdorf (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 Kloten?
No. It explains the insurance and tax concepts for residents of Kloten (canton of Zurich). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Kloten with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Kloten 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
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.