Health insurance premiums 2026 in Liestal (BL)For a child aged 0 to 18 without accident cover

In 2026, without accident cover, the cheapest offer in Liestal is CSS (HMO (health practice)) at 114.45 CHF a month.

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 114.45 CHF (CSS, HMO (health practice)) to 174.45 CHF (sana24, 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: 136.15 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (CSS, HMO (health practice)), the premium goes from 114.45 CHF a month with the 0 CHF deductible to 81.85 CHF with the 600 CHF deductible: 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

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 130.75 CHF (CSS), family doctor / HMO 114.45 CHF (CSS), flexible model 117.15 CHF (Helsana), telemedicine 116.25 CHF (KPT).

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 Liestal file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

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

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 119.60 CHF at CSS (HMO (health practice)) gives 114.45 CHF after redistribution.

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.