Key points at a glance
Living in Pfungen (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 Pfungen 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 (Pfungen 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. Pfungen has roughly 3’845 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Pfungen, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Dättlikon (2 km), Neftenbach (2 km), Oberembrach (4 km).
Pfungen at a glance: your local context
Pfungen, a municipality of roughly 3’845 residents in the canton of Zurich, has its own profile when it comes to health insurance. Pfungen 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 3’845
- Canton: Zurich
- Basic-insurance premium region (FOPH/OFSP): region 1
- Postal code (NPA): 8422
- Federal municipality number (BFS): 224
Applying for premium subsidies around Pfungen: compare neighbouring municipalities
Living or working near Pfungen? 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 Dättlikon — 2.0 km away
- Applying for premium subsidies in Neftenbach — 2.1 km away
- Applying for premium subsidies in Oberembrach — 3.8 km away
- Applying for premium subsidies in Embrach — 4.1 km away
- Applying for premium subsidies in Buch am Irchel — 4.2 km away
- Applying for premium subsidies in Lufingen — 4.9 km away
- Applying for premium subsidies in Freienstein-Teufen — 5.0 km away
- Applying for premium subsidies in Brütten — 5.2 km away
- Applying for premium subsidies in Hettlingen — 5.9 km away
- Applying for premium subsidies in Henggart — 6.2 km away
Health insurance premiums 2026 in Pfungen: the real numbers
In Pfungen, an adult with a 300 CHF deductible pays between 518 and 724 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 2’476 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) | 518 – 724 CHF | from 389 CHF |
| Young adults (19–25) | 371 – 591 CHF | from 243 CHF |
| Children (0–18) | 41 – 168 CHF | — |
Our comparison tool does this work for you: the 83 insurers available for Pfungen are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Pfungen →
Basic insurance in Pfungen: choosing insurer, deductible and model
Three decisions drive your premium in Pfungen. 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 Pfungen starts as low as 389 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 Zurich: the entitlement goes surprisingly often unclaimed.
Checklist for Pfungen
- 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 Pfungen →
How we work for Pfungen
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 Pfungen 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 Pfungen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Pfungen?
In Pfungen (postal code 8422), 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 Pfungen have the same premiums?
Not necessarily. Pfungen and nearby municipalities such as Dättlikon (2 km), Neftenbach (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 Pfungen?
No, it is for orientation in Pfungen. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Zurich.
Can I compare "Applying for premium subsidies" in Pfungen with no obligation?
Yes: we first clarify your needs, then — only if you wish — targeted comparisons and quotes for Pfungen follow. The comparison is free, and no offer is binding.
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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.