# Health insurance premiums 2026 in Urnäsch (AR), for a child aged 0 to 18 without accident cover

In 2026, for a child aged 0 to 18 in Urnäsch, without accident cover, the cheapest health insurance premium is:

- **81.05 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-0/) (Agrisano, AGRIsmart)
- **52.45 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-600/) (Agrisano, AGRIsmart)

## 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. With a deductible of 0 CHF, the cheapest is **81.05 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 162.15 CHF with Atupri (Standard model).

Lowest premium:
- 0 CHF: 81.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-0/
- 100 CHF: 82.25 CHF (Assura, FeminaVita) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-100/
- 200 CHF: 71.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-200/
- 300 CHF: 66.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-300/
- 400 CHF: 62.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-400/
- 500 CHF: 57.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-500/
- 600 CHF: 52.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-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 | 81.05 | — | 71.55 | 66.75 | 62.05 | 57.15 | 52.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 87.05 | — | 76.85 | 71.85 | 66.65 | 61.55 | 56.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 87.65 | 82.25 | 76.85 | 71.35 | 65.95 | 60.55 | 55.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 88.25 | — | 79.65 | — | 70.95 | — | 62.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 88.55 | — | — | 72.25 | — | — | 57.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 91.75 | — | — | 75.45 | — | — | 59.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 92.55 | 87.85 | 83.25 | 78.45 | 73.75 | 66.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 94.15 | — | 84.95 | — | 75.65 | — | 66.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 94.95 | — | — | — | — | 67.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 94.95 | — | — | — | — | 67.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 94.95 | — | — | — | — | 67.95 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 95.05 | — | 83.95 | 78.45 | 72.95 | 67.35 | 61.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 95.25 | — | 85.95 | — | 76.65 | — | 67.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 96.15 | — | — | — | — | 69.15 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 96.45 | 91.05 | 85.65 | 80.25 | 74.85 | — | 63.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 96.45 | — | 85.65 | — | 74.75 | — | 63.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 96.75 | 95.85 | 94.95 | 94.05 | 93.05 | 92.15 | — |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 96.95 | 91.95 | 86.95 | 81.85 | 76.95 | 71.95 | 66.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 96.95 | 91.95 | 86.95 | 81.85 | 76.95 | 71.95 | 66.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 97.75 | 92.35 | 86.95 | 81.55 | 76.15 | — | 65.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 98.15 | 92.75 | 87.35 | 81.95 | 76.45 | 71.05 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 98.35 | 92.95 | 87.55 | 82.05 | 76.65 | — | 65.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 98.55 | — | — | — | — | 71.45 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 98.55 | — | — | — | — | 71.45 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 98.75 | 93.35 | 87.95 | 82.55 | 77.15 | 71.75 | 66.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 99.95 | — | 89.25 | — | 78.35 | — | 67.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 101.05 | 95.65 | 90.25 | 84.75 | 79.35 | 73.95 | 68.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 101.15 | 95.65 | 90.15 | 84.55 | 79.05 | 73.65 | 68.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 101.15 | 95.65 | 90.15 | 84.55 | 79.05 | 73.65 | 68.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 101.25 | 100.35 | 99.45 | 98.45 | 97.55 | 96.65 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 101.75 | — | 90.95 | — | 80.05 | — | 69.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 102.05 | — | — | — | — | 74.95 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 102.25 | — | 93.85 | — | 82.95 | — | 72.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 102.85 | — | 92.05 | — | 81.25 | — | 70.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 103.25 | 97.85 | 92.45 | 86.95 | 81.55 | 76.15 | 70.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 103.25 | — | — | — | — | 76.15 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 103.35 | 98.05 | 92.65 | 87.15 | 81.75 | — | 70.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 103.45 | — | 93.45 | — | 83.25 | — | 73.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 103.65 | 98.15 | 92.75 | 87.25 | 81.85 | 76.35 | 70.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 103.65 | 98.15 | 92.75 | 87.25 | 81.85 | 76.35 | 70.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 104.15 | 98.65 | 93.15 | 87.65 | 82.15 | 76.65 | 71.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | 77.20 | 71.70 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 104.35 | — | — | 88.05 | — | — | 71.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 104.35 | 98.95 | 93.55 | 88.05 | 82.65 | 77.25 | 71.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 105.55 | 100.15 | 94.75 | 89.25 | 83.85 | 78.45 | 72.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 105.75 | 100.35 | 94.95 | 89.45 | 84.05 | 78.65 | 73.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 106.55 | 101.15 | 95.85 | 90.35 | 84.95 | 79.55 | 74.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.05 | 101.65 | 96.25 | 90.85 | 85.35 | 79.95 | — |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 107.45 | 102.05 | 96.65 | 91.15 | 85.75 | 80.35 | 74.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 107.45 | 102.05 | 96.65 | 91.15 | 85.75 | 80.35 | 74.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | 80.15 | 74.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.75 | 102.35 | 96.95 | 91.45 | 86.05 | 80.65 | 75.15 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 108.15 | 102.50 | 96.85 | 91.15 | 85.50 | 79.85 | 74.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 108.15 | — | 99.75 | — | 88.85 | — | 78.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 108.65 | 103.25 | 97.95 | 92.45 | 87.05 | 81.65 | 76.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.25 | 103.85 | 98.45 | 92.95 | 87.55 | — | 76.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 109.35 | — | 100.85 | — | 91.25 | — | 80.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 109.85 | 104.45 | 99.05 | 93.55 | 88.15 | 82.85 | 77.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.95 | 109.05 | 108.15 | 107.15 | 106.25 | 105.35 | — |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 110.35 | 104.95 | 99.45 | 94.05 | 88.55 | 83.15 | 77.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 110.55 | — | 102.05 | — | 91.25 | — | 80.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 110.55 | 105.15 | 99.75 | 94.25 | 88.85 | 83.45 | 77.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.15 | 105.75 | 100.35 | 94.85 | 89.45 | 84.05 | 78.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.15 | 78.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.55 | — | 100.75 | — | 89.85 | — | 79.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.65 | — | 100.85 | — | 89.95 | — | 79.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 112.75 | — | — | — | — | 85.65 | — |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 112.85 | 107.45 | 101.95 | 96.55 | 91.05 | 85.65 | 80.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 112.95 | — | 102.05 | — | 91.25 | — | 80.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.05 | 107.65 | 102.15 | 96.75 | 91.25 | 85.85 | 80.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.15 | 109.35 | 103.40 | 97.45 | 91.45 | 85.50 | 79.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 114.35 | 108.95 | 103.65 | 98.15 | 92.75 | 87.35 | 81.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 114.45 | 109.05 | 103.65 | 98.15 | 92.75 | 87.35 | 81.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 114.95 | 109.55 | 104.05 | 98.65 | 93.15 | 87.75 | 82.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 115.05 | 109.65 | 104.25 | 98.85 | 93.45 | 88.05 | 82.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 115.55 | 110.75 | 105.95 | 101.05 | 96.55 | 91.45 | 86.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.75 | 110.35 | 104.95 | 99.45 | 94.05 | 88.65 | 83.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 115.75 | 110.35 | 104.95 | 99.45 | 94.05 | 88.65 | 83.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.25 | 110.75 | 105.25 | 99.75 | 94.25 | 88.75 | 83.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 117.65 | 112.15 | 106.75 | 101.25 | 95.85 | 90.35 | 84.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 118.25 | 113.35 | 108.45 | 103.45 | 98.85 | 93.65 | 88.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 119.65 | 114.75 | 109.75 | 104.75 | 99.95 | 94.75 | 89.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.65 | 115.25 | 109.85 | 104.35 | 98.95 | 93.55 | 88.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 121.05 | — | 110.15 | — | 99.25 | — | 88.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 121.25 | 115.85 | 110.35 | 104.95 | 99.45 | 94.05 | 88.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.65 | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 124.05 | 118.65 | 113.25 | 107.85 | 102.45 | 97.05 | 91.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 124.25 | 118.85 | 113.35 | 107.95 | 102.45 | 97.05 | 91.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 125.25 | — | 114.45 | — | 103.65 | — | 92.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 125.25 | — | 114.45 | — | 103.65 | — | 92.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 126.25 | 120.85 | 115.35 | 109.95 | 104.45 | 99.05 | 93.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 126.25 | 120.85 | 115.35 | 109.95 | 104.45 | 99.05 | 93.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 127.75 | 122.35 | 116.95 | 111.45 | 106.05 | 100.65 | 95.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 128.25 | 122.85 | 117.35 | 111.95 | 106.45 | 101.05 | 95.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 132.05 | 126.55 | 121.15 | 115.55 | 110.35 | 104.65 | 99.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.45 | 128.05 | 122.55 | 117.15 | 111.65 | 106.25 | 100.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 139.75 | — | 128.95 | — | 118.15 | — | 107.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 142.15 | 136.55 | 131.05 | — | 119.95 | — | 108.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 143.75 | 138.25 | 132.65 | — | 121.55 | — | 110.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 147.15 | 141.65 | 136.15 | — | 125.05 | — | 113.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 147.15 | 141.65 | 136.15 | — | 125.05 | — | 113.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 162.15 | 156.65 | 151.15 | — | 140.05 | — | 128.85 |

116 offers from 23 health insurers.: https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Urnäsch 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 [Urnäsch](https://praemiencheck.onedoc.ch/en/ar/urnasch/) is Agrisano (AGRIsmart) at 81.05 CHF a month.

### How much does health insurance cost in Urnäsch in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ar/urnasch/child/) 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 Urnäsch 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](https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-0/) to 52.45 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/deductible-600/): 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 Urnäsch 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 Urnäsch?

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 Urnäsch 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.

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/urnasch/child/no-accident/

## Related pages

- Without accident cover: from 52.45 to 162.15 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/ar/urnasch/child/no-accident/ — replace `ar` with your canton’s two-letter code (ge, vd, zh…) and `urnasch` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.