Skip to content
Change the search: Châtel-sur-MontsalvensAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2026 in Châtel-sur-Montsalvens (FR) For a child aged 0 to 18, deductible of 200 CHF, without accident cover

Copy pageCopied!
Copy pageCopy this page’s data and sources as Markdown for an LLMView as MarkdownThe page as plain textGuide for LLMs (llms.txt)Access our pages, data and sources in LLM-readable formatsOpen in ClaudeAsk your questions about this pageOpen in ChatGPTAsk your questions about this page

114 offersfrom 23 health insurers

Child (0 to 18) · without accident cover · deductible of 200 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Châtel-sur-Montsalvens (canton Fribourg), in 2026, for a child aged 0 to 18 with a 200 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 79.35 CHF with Agrisano (AGRIsmart model) and the most expensive is 138.75 CHF with Groupe Mutuel – Mutuel (Standard model).

Last modified:

Frequently asked questions

Which health insurance is the cheapest in Châtel-sur-Montsalvens for a child aged 0 to 18 with a deductible of 200 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in Châtel-sur-Montsalvens is Agrisano (AGRIsmart) at 79.35 CHF a month.

How much does health insurance cost in Châtel-sur-Montsalvens in 2026 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 200 CHF and without accident cover, monthly premiums run from 79.35 CHF (Agrisano, AGRIsmart) to 138.75 CHF (Groupe Mutuel – Mutuel, Standard model): 114 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: 107.15 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Châtel-sur-Montsalvens for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 88.95 CHF a month with the 0 CHF deductible to 60.35 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 Châtel-sur-Montsalvens 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 200 CHF and without accident cover, the cheapest premium per model is: standard model 93.05 CHF (Agrisano), family doctor / HMO 82.15 CHF (CSS), flexible model 90.85 CHF (Assura), telemedicine 79.35 CHF (Agrisano).

Does a second or third child pay less in Châtel-sur-Montsalvens?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 14 of the 23 insurers present in Châtel-sur-Montsalvens file a reduced premium from a certain number of children insured with them, at a 200 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
VisanaManaged Care88.55 CHF29.55 CHF from the 3rd child
AgrisanoAGRIsmart79.35 CHF31.65 CHF from the 3rd child
SWICAFAVORIT MEDPHARM103.55 CHF34.75 CHF from the 3rd child
GalenosManaged Care106.05 CHF35.55 CHF from the 3rd child
sana24Managed Care115.15 CHF38.55 CHF from the 3rd child
CONCORDIAHMO92.45 CHF38.75 CHF from the 3rd child
AquilanaSMARTMED84.65 CHF39.75 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor93.55 CHF44.25 CHF from the 3rd child
SLKKSLKK-SmartMed90.15 CHF79.65 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed108.35 CHF79.95 CHF from the 5th child
EGKEGK-TelCare97.05 CHF83.15 CHF from the 3rd child
Groupe Mutuel – PhilosOptiMed113.75 CHF84.05 CHF from the 5th child
AssuraQualimed90.85 CHF89.35 CHF from the 4th child, 87.95 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed121.75 CHF90.05 CHF from the 5th 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 84.50 CHF at Agrisano (AGRIsmart) gives 79.35 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.