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116 offersfrom 23 health insurers

Child (0 to 18) · with accident cover · deductible of 300 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Lutzenberg (canton Appenzell Ausserrhoden), in 2027, for a child aged 0 to 18 with a 300 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 80.20 CHF with Agrisano (AGRIsmart model) and the most expensive is 137.70 CHF with Galenos (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Lutzenberg for a child aged 0 to 18 with a deductible of 300 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Lutzenberg is Agrisano (AGRIsmart) at 80.20 CHF a month.

How much does health insurance cost in Lutzenberg in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 300 CHF and with accident cover, monthly premiums run from 80.20 CHF (Agrisano, AGRIsmart) to 137.70 CHF (Galenos, 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: 110.20 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Lutzenberg for a child aged 0 to 18 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 95.30 CHF a month with the 0 CHF deductible to 65.00 CHF with the 600 CHF deductible: 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Lutzenberg 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 92.70 CHF (Agrisano), family doctor / HMO 85.30 CHF (Agrisano), flexible model 86.30 CHF (Assura), telemedicine 80.20 CHF (Agrisano).

Does a second or third child pay less in Lutzenberg?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 23 insurers present in Lutzenberg file a reduced premium from a certain number of children insured with them, at a 300 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart80.20 CHF31.70 CHF from the 3rd child
VisanaManaged Care107.90 CHF35.00 CHF from the 3rd child
rhenusanasanmed2490.20 CHF36.10 CHF from the 3rd child
CONCORDIAHMO99.40 CHF39.50 CHF from the 3rd child
GalenosManaged Care111.80 CHF39.60 CHF from the 3rd child
sana24Managed Care115.70 CHF40.70 CHF from the 3rd child
AquilanaSMARTMED96.10 CHF48.10 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor98.70 CHF49.40 CHF from the 3rd child
AssuraFeminaVita86.30 CHF84.60 CHF from the 4th child, 83.00 CHF from the 5th child
EGKEGK-TelCare94.00 CHF84.40 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)115.50 CHF86.70 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)116.90 CHF87.70 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)118.60 CHF89.00 CHF from the 5th child
SLKKSmartMed118.50 CHF105.10 CHF from the 3rd child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

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.