Health insurance premiums 2026 in Schwende-Rüte (AI)For a child aged 0 to 18 without accident cover
From 40.05 to 125.05 CHF a month depending on the deductible and the model
114 offers from 23 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 68.65 | — | 59.15 | 54.45 | 49.65 | 44.85 | 40.05 |
| 2 |  KPT | KPTwin.smart | 70.65 | — | 62.05 | — | 53.35 | — | 45.85 |
| 3 | Agrisano | AGRIcontact | 72.55 | — | 62.45 | 57.55 | 52.55 | 47.45 | 42.45 |
| 4 | Agrisano | AGRIeco | 73.85 | — | 63.65 | 58.55 | 53.45 | 48.35 | 43.35 |
| 5 |  CSS | HMO (health practice) | 73.95 | 68.55 | 63.15 | 57.65 | 52.25 | — | 42.75 |
| 6 |  Assura | Qualimed | 74.15 | 68.75 | 63.35 | 57.85 | 52.45 | 47.05 | 42.75 |
| 7 | CSS | Hausarztversicherung Profit | 74.95 | 69.55 | 64.15 | 58.65 | 53.25 | — | 42.75 |
| 8 | Assura | Family doctor | 75.05 | 69.65 | 64.25 | 58.75 | 53.35 | 48.05 | 42.75 |
| 9 | CSS | Callmed | 75.35 | 70.05 | 64.65 | 59.15 | 53.75 | — | 42.85 |
| 10 | KPT | KPTwin.plus | 75.35 | — | 66.25 | — | 56.95 | — | 47.75 |
| 11 | KPT | KPTwin.doc | 75.35 | — | 66.25 | — | 56.95 | — | 47.75 |
| 12 | KPT | KPTwin.easy | 76.35 | — | 67.05 | — | 57.65 | — | 48.35 |
| 13 | CSS | Multimed | 79.35 | 73.95 | 68.55 | 63.05 | 57.65 | — | 46.75 |
| 14 | Assura | FeminaVita | 79.55 | 74.15 | 68.75 | 63.25 | 57.85 | 52.45 | 46.95 |
| 15 | Assura | PreventoMed | 79.55 | 74.15 | 68.75 | 63.25 | 57.85 | 52.45 | 46.95 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Schwende-Rüte, without accident cover, the cheapest health insurance premium is:
- 68.65 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 40.05 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Schwende-Rüte for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Schwende-Rüte is Agrisano (AGRIsmart) at 68.65 CHF a month.
How much does health insurance cost in Schwende-Rüte in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 68.65 CHF (Agrisano, AGRIsmart) to 125.05 CHF (Groupe Mutuel – Avenir, Standard model): 114 offers from 23 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 81.45 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Schwende-Rüte for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 68.65 CHF a month with the 0 CHF deductible to 40.05 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Schwende-Rüte for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 80.75 CHF (Agrisano), family doctor / HMO 73.85 CHF (Agrisano), flexible model 74.15 CHF (Assura), telemedicine 68.65 CHF (Agrisano).
Does a second or third child pay less in Schwende-Rüte?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 23 insurers present in Schwende-Rüte file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 68.65 CHF | 28.35 CHF from the 3rd child |
| sana24 | Managed Care | 90.85 CHF | 33.45 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 89.15 CHF | 34.15 CHF from the 3rd child |
| Visana | Managed Care | 89.05 CHF | 34.35 CHF from the 3rd child |
| Galenos | Tel Doc | 97.25 CHF | 36.05 CHF from the 3rd child |
| CONCORDIA | HMO | 83.55 CHF | 37.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 83.05 CHF | 38.95 CHF from the 3rd child |
| rhenusana | sanmed24 | 94.75 CHF | 44.85 CHF from the 3rd child |
| Aquilana | SMARTMED | 95.55 CHF | 45.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 87.85 CHF | 64.55 CHF from the 5th child |
| EGK | EGK-TelCare | 82.75 CHF | 70.45 CHF from the 3rd child |
| Assura | Qualimed | 74.15 CHF | 72.45 CHF from the 4th child, 70.85 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 97.85 CHF | 72.15 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 80.85 CHF | 72.25 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 111.45 CHF | 82.25 CHF from the 5th child |
The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.
Why is the FOPH-approved premium higher than the price shown?
The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 73.80 CHF at Agrisano (AGRIsmart) gives 68.65 CHF after redistribution.
Until when can I change health insurer for 2026?
Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.