# Health insurance premiums 2026 in Herisau (AR), for a child aged 0 to 18 with accident cover

In 2026, for a child aged 0 to 18 in Herisau, with accident cover, the cheapest health insurance premium is:

- **85.55 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/) (Agrisano, AGRIsmart)
- **55.45 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-600/) (Agrisano, AGRIsmart)

## With accident cover: from 55.45 to 170.95 CHF a month depending on the deductible and the model

116 offers from 23 health insurers. With a deductible of 0 CHF, the cheapest is **85.55 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 170.95 CHF with Atupri (Standard model).

Lowest premium:
- 0 CHF: 85.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/
- 100 CHF: 88.75 CHF (Assura, FeminaVita) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-100/
- 200 CHF: 75.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-200/
- 300 CHF: 70.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-300/
- 400 CHF: 65.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-400/
- 500 CHF: 60.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-500/
- 600 CHF: 55.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 85.55 | — | 75.55 | 70.55 | 65.55 | 60.45 | 55.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 91.95 | — | 81.15 | 75.85 | 70.45 | 65.05 | 59.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 94.55 | 88.75 | 82.95 | 77.05 | 71.25 | 65.45 | 59.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 94.55 | 88.75 | 82.95 | 77.05 | 71.25 | 65.45 | 59.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 95.35 | — | 86.05 | — | 76.75 | — | 67.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 95.45 | — | — | 77.95 | — | — | 61.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 98.95 | — | — | 81.45 | — | — | 63.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 99.85 | 94.85 | 89.85 | 84.75 | 79.65 | 71.85 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 100.35 | — | 88.65 | 82.85 | 77.05 | 71.15 | 65.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 101.65 | — | 91.75 | — | 81.75 | — | 71.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 101.65 | — | 91.75 | — | 81.75 | — | 71.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 102.45 | — | — | — | — | 73.35 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 102.45 | — | — | — | — | 73.35 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 102.45 | — | — | — | — | 73.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 102.85 | — | 92.85 | — | 82.85 | — | 72.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 103.75 | 102.85 | 101.85 | 100.85 | 99.85 | 98.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 103.75 | — | — | — | — | 74.65 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 104.05 | — | 92.45 | — | 80.75 | — | 69.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 104.15 | 98.35 | 92.55 | 86.65 | 80.85 | — | 69.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 104.45 | 99.05 | 93.75 | 88.25 | 82.95 | 77.65 | 72.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 104.45 | 99.05 | 93.75 | 88.25 | 82.95 | 77.65 | 72.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 105.55 | 99.75 | 93.95 | 88.05 | 82.25 | — | 70.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 105.85 | 100.05 | 94.25 | 88.45 | 82.55 | 76.75 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 106.15 | 100.35 | 94.55 | 88.65 | 82.85 | — | 71.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 106.25 | — | — | — | — | 77.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 106.25 | — | — | — | — | 77.15 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 106.55 | 100.75 | 94.95 | 89.05 | 83.25 | 77.45 | 71.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 107.25 | 101.45 | 95.65 | 89.75 | 83.95 | 78.15 | 72.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 107.25 | 101.45 | 95.65 | 89.75 | 83.95 | 78.15 | 72.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 107.85 | — | 96.25 | — | 84.55 | — | 72.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 108.55 | 107.65 | 106.65 | 105.65 | 104.65 | 103.65 | — |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 108.85 | 103.15 | 97.45 | 91.75 | 86.05 | 80.35 | 74.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 108.95 | 103.15 | 97.35 | 91.45 | 85.65 | 79.85 | 73.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 109.75 | — | 98.15 | — | 86.45 | — | 74.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 110.05 | — | — | — | — | 80.95 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 110.35 | — | 101.25 | — | 89.55 | — | 77.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 110.45 | 104.65 | 98.85 | 92.95 | 87.15 | 81.35 | 75.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 110.95 | — | 99.35 | — | 87.65 | — | 75.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 111.25 | 105.45 | 99.65 | 93.75 | 87.95 | 82.15 | 76.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 111.25 | 105.35 | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 111.25 | 105.35 | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 111.35 | — | — | — | — | 82.25 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 111.55 | 105.75 | 99.95 | 94.05 | 88.25 | — | 76.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 111.65 | — | 100.95 | — | 89.95 | — | 79.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 112.40 | 106.60 | 100.80 | 94.90 | 89.10 | 83.30 | 77.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 112.40 | 106.60 | 100.80 | 94.90 | 89.10 | 83.30 | 77.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 112.40 | 106.60 | 100.80 | 94.90 | 89.10 | 83.30 | 77.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 112.40 | 106.60 | 100.80 | 94.90 | 89.10 | 83.30 | 77.40 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.45 | — | — | 94.95 | — | — | 77.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 112.45 | 106.65 | 100.85 | 94.95 | 89.15 | 83.35 | 77.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 113.65 | 107.85 | 102.05 | 96.15 | 90.35 | 84.55 | 78.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.95 | 108.15 | 102.35 | 96.45 | 90.65 | 84.95 | 78.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.85 | 110.05 | 104.05 | 98.05 | 92.05 | 86.05 | 80.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.95 | 109.15 | 103.35 | 97.45 | 91.65 | 85.85 | 79.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 115.25 | 109.45 | 103.65 | 97.75 | 91.95 | 86.15 | 80.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.45 | 109.65 | 103.85 | 98.05 | 92.15 | 86.35 | — |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 | 80.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 | 80.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 116.05 | 110.25 | 104.45 | 98.55 | 92.75 | 86.95 | 81.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 116.75 | — | 107.55 | — | 95.95 | — | 84.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 117.25 | 111.45 | 105.65 | 99.75 | 93.95 | 88.15 | 82.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.85 | 112.05 | 106.25 | 100.35 | 94.55 | — | 82.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.95 | 116.95 | 115.95 | 114.95 | 113.95 | 112.95 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 117.95 | — | 108.85 | — | 98.45 | — | 86.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 118.45 | 112.65 | 106.75 | 100.95 | 95.15 | 89.25 | 83.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 118.55 | 112.75 | 106.95 | 101.05 | 95.25 | 89.45 | 83.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 119.25 | — | 110.15 | — | 98.45 | — | 86.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 119.25 | 113.45 | 107.65 | 101.75 | 95.95 | 90.15 | 84.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | 90.85 | 84.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 120.35 | — | 108.75 | — | 97.05 | — | 85.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 120.35 | — | 108.75 | — | 97.05 | — | 85.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 121.15 | 115.25 | 109.45 | 103.65 | 97.75 | 91.95 | 86.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 | 86.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.55 | — | — | — | — | 92.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.75 | — | 110.15 | — | 98.45 | — | 86.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 121.75 | — | 110.15 | — | 98.45 | — | 86.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 121.75 | — | 110.15 | — | 98.45 | — | 86.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 121.75 | — | 110.15 | — | 98.45 | — | 86.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 123.25 | 117.45 | 111.65 | 105.75 | 99.95 | 94.15 | 88.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 123.25 | 118.15 | 113.05 | 107.85 | 103.05 | 97.65 | 92.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 123.35 | 117.55 | 111.75 | 105.85 | 100.05 | 94.25 | 88.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 123.35 | 117.55 | 111.65 | 105.85 | 100.05 | 94.15 | 88.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 123.35 | 117.55 | 111.65 | 105.85 | 100.05 | 94.15 | 88.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 123.35 | 117.55 | 111.65 | 105.85 | 100.05 | 94.15 | 88.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 123.45 | 117.65 | 111.85 | 105.95 | 100.15 | 94.35 | 88.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 124.15 | 118.35 | 112.55 | 106.65 | 100.85 | 95.05 | 89.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | 95.75 | 89.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | 95.75 | 89.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 126.15 | 120.95 | 115.75 | 110.45 | 105.45 | 99.95 | 94.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 126.15 | 120.35 | 114.55 | 108.65 | 102.85 | 97.05 | 91.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 127.65 | 122.35 | 117.05 | 111.75 | 106.75 | 101.15 | 95.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.05 | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.15 | 124.25 | 118.45 | 112.65 | 106.75 | 100.95 | 95.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 130.45 | — | 118.75 | — | 107.05 | — | 95.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 130.45 | — | 118.75 | — | 107.05 | — | 95.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 130.45 | — | 118.75 | — | 107.05 | — | 95.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 130.45 | 124.65 | 118.75 | 112.95 | 107.15 | 101.25 | 95.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 130.45 | 124.65 | 118.75 | 112.95 | 107.15 | 101.25 | 95.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 130.45 | 124.65 | 118.75 | 112.95 | 107.15 | 101.25 | 95.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 133.35 | 127.45 | 121.65 | 115.85 | 109.95 | 104.15 | 98.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.75 | 127.95 | 122.15 | 116.25 | 110.45 | 104.65 | 98.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 135.05 | — | 123.45 | — | 111.75 | — | 100.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 135.05 | — | 123.45 | — | 111.75 | — | 100.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 135.45 | 129.65 | 123.75 | 117.95 | 112.15 | 106.25 | 100.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 135.45 | 129.65 | 123.75 | 117.95 | 112.15 | 106.25 | 100.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.55 | 131.75 | 125.95 | 120.05 | 114.25 | 108.45 | 102.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.65 | 131.85 | 126.05 | 120.15 | 114.35 | 108.55 | 102.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 140.75 | 134.95 | 129.15 | 123.25 | 117.75 | 111.65 | 105.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.15 | 137.35 | 131.45 | 125.65 | 119.85 | 113.95 | 108.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 149.85 | 144.05 | 138.25 | — | 126.55 | — | 114.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 150.65 | — | 138.95 | — | 127.35 | — | 115.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 151.55 | 145.75 | 139.95 | — | 128.25 | — | 116.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 155.15 | 149.35 | 143.55 | — | 131.85 | — | 120.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 155.15 | 149.35 | 143.55 | — | 131.85 | — | 120.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 170.95 | 165.15 | 159.35 | — | 147.65 | — | 135.95 |

116 offers from 23 health insurers.: https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Herisau for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Herisau](https://praemiencheck.onedoc.ch/en/ar/herisau/) is Agrisano (AGRIsmart) at 85.55 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](https://praemiencheck.onedoc.ch/en/ar/herisau/child/) with a deductible of 0 CHF and with accident cover, monthly premiums run from 85.55 CHF (Agrisano, AGRIsmart) to 170.95 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 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 85.55 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-0/) to 55.45 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/deductible-600/): 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 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 with accident cover, the cheapest premium per model is: standard model 100.35 CHF (Agrisano), family doctor / HMO 91.95 CHF (Agrisano), flexible model 94.55 CHF (Assura), telemedicine 85.55 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 with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| rhenusana | sanmed24 | 95.45 CHF | 35.15 CHF from the 3rd child |
| Agrisano | AGRIsmart | 85.55 CHF | 36.05 CHF from the 3rd child |
| Galenos | Managed Care | 118.45 CHF | 42.65 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 110.35 CHF | 43.05 CHF from the 3rd child |
| Visana | Managed Care | 111.25 CHF | 43.55 CHF from the 3rd child |
| sana24 | Managed Care | 121.35 CHF | 43.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 99.85 CHF | 47.35 CHF from the 3rd child |
| CONCORDIA | HMO | 107.25 CHF | 49.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 104.45 CHF | 49.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 115.95 CHF | 85.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 118.55 CHF | 87.65 CHF from the 5th child |
| EGK | EGK-TelCare | 103.75 CHF | 89.45 CHF from the 3rd child |
| Assura | FeminaVita | 94.55 CHF | 92.95 CHF from the 4th child, 91.25 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 123.45 CHF | 91.25 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 123.25 CHF | 110.45 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 90.70 CHF at Agrisano (AGRIsmart) gives 85.55 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.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/

## Related pages

- With accident cover: from 55.45 to 170.95 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/ar/herisau/child/with-accident/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…) and `herisau` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.