Health insurance premiums 2026 in Herisau (AR)For a child aged 0 to 18 without accident cover
From 52.45 to 162.15 CHF a month depending on the deductible and the model
116 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 | 81.05 | — | 71.55 | 66.75 | 62.05 | 57.15 | 52.45 |
| 2 | Agrisano | AGRIeco | 87.05 | — | 76.85 | 71.85 | 66.65 | 61.55 | 56.55 |
| 3 |  Assura | FeminaVita | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 |
| 4 | Assura | PreventoMed | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 |
| 5 |  KPT | KPTwin.smart | 88.25 | — | 79.65 | — | 70.95 | — | 62.25 |
| 6 |  rhenusana | sanmed24 | 88.55 | — | — | 72.25 | — | — | 57.05 |
| 7 | rhenusana | Family doctor | 91.75 | — | — | 75.45 | — | — | 59.15 |
| 8 |  Aquilana | SMARTMED | 92.55 | 87.85 | 83.25 | 78.45 | 73.75 | 66.35 | — |
| 9 | KPT | KPTwin.plus | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 |
| 10 | KPT | KPTwin.doc | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 |
| 11 |  Helsana | BeneFit PLUS Hausarzt R1 | 94.95 | — | — | — | — | 67.95 | — |
| 12 | Helsana | BeneFit PLUS Flexmed R1 | 94.95 | — | — | — | — | 67.95 | — |
| 13 | Helsana | BeneFit PLUS Telmed | 94.95 | — | — | — | — | 67.95 | — |
| 14 | Agrisano | Standard model | 95.05 | — | 83.95 | 78.45 | 72.95 | 67.35 | 61.85 |
| 15 | KPT | KPTwin.easy | 95.25 | — | 85.95 | — | 76.65 | — | 67.25 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Herisau, without accident cover, the cheapest health insurance premium is:
- 81.05 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 52.45 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
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Frequently asked questions
Which health insurance is the cheapest in Herisau 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 Herisau is Agrisano (AGRIsmart) at 81.05 CHF a month.
How much does health insurance cost in Herisau 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 81.05 CHF (Agrisano, AGRIsmart) to 162.15 CHF (Atupri, Standard model): 116 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: 100.75 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Herisau for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 81.05 CHF a month with the 0 CHF deductible to 52.45 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 Herisau 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 95.05 CHF (Agrisano), family doctor / HMO 87.05 CHF (Agrisano), flexible model 87.65 CHF (Assura), telemedicine 81.05 CHF (Agrisano).
Does a second or third child pay less in Herisau?
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 Herisau 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 |
|---|---|---|---|
| rhenusana | sanmed24 | 88.55 CHF | 32.35 CHF from the 3rd child |
| Agrisano | AGRIsmart | 81.05 CHF | 33.95 CHF from the 3rd child |
| Galenos | Managed Care | 110.35 CHF | 39.55 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 102.25 CHF | 39.65 CHF from the 3rd child |
| Visana | Managed Care | 103.65 CHF | 40.45 CHF from the 3rd child |
| sana24 | Managed Care | 113.05 CHF | 40.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 92.55 CHF | 43.75 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 96.95 CHF | 45.95 CHF from the 3rd child |
| CONCORDIA | HMO | 101.15 CHF | 46.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 107.45 CHF | 79.35 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 109.85 CHF | 81.15 CHF from the 5th child |
| EGK | EGK-TelCare | 96.75 CHF | 83.35 CHF from the 3rd child |
| Assura | FeminaVita | 87.65 CHF | 86.15 CHF from the 4th child, 84.55 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 114.45 CHF | 84.55 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 115.55 CHF | 103.45 CHF from the 3rd 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 86.20 CHF at Agrisano (AGRIsmart) gives 81.05 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.