# Health insurance premiums 2027 in Chénens (FR), for a child aged 0 to 18, deductible of 400 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Chénens](https://praemiencheck.onedoc.ch/en/fr/chenens/) ([canton Fribourg](https://praemiencheck.onedoc.ch/en/fr/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/chenens/child/) with a 400 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/), the cheapest monthly basic insurance premium is **88.15 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 141.85 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 109.75 | 104.45 | 99.05 | 93.55 | 88.15 | — | 77.25 | +9.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 106.45 | — | 97.85 | — | 89.15 | — | 80.45 | +1.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 109.35 | 104.65 | 99.95 | 95.25 | 90.45 | 83.65 | — | +5.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 112.45 | 106.95 | 101.55 | 95.95 | 90.45 | 84.95 | 79.45 | +1.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 112.35 | 106.95 | 101.55 | 96.05 | 90.65 | 85.15 | — | −13.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 113.15 | 107.65 | 102.15 | 96.65 | 91.15 | 85.65 | 80.05 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 113.85 | 108.45 | 103.05 | 97.55 | 92.25 | 86.85 | 81.35 | +6.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 113.85 | 108.45 | 103.05 | 97.55 | 92.25 | 86.85 | 81.35 | +6.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 114.55 | 109.05 | 103.55 | 98.05 | 92.55 | 87.05 | 81.45 | +1.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 115.15 | 109.75 | 104.35 | 98.85 | 93.45 | — | 82.55 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 115.55 | 110.05 | 104.65 | 99.15 | 93.65 | 88.25 | 82.75 | +7.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 115.55 | 110.05 | 104.65 | 99.15 | 93.65 | 88.25 | 82.75 | +7.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 115.95 | 110.55 | 105.15 | 99.75 | 94.25 | 88.85 | — | +4.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 114.75 | — | 104.55 | 99.55 | 94.55 | 89.35 | 84.35 | +10.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 113.45 | — | 104.25 | — | 95.05 | — | 85.75 | +1.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 113.45 | — | 104.25 | — | 95.05 | — | 85.75 | +1.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 115.45 | — | 105.15 | 100.15 | 95.05 | 89.85 | 84.85 | +9.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 114.85 | — | 105.55 | — | 96.15 | — | 86.85 | +1.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 118.15 | 112.75 | 107.35 | 101.85 | 96.45 | 91.05 | 85.65 | +7.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 118.85 | 113.45 | 108.05 | 102.55 | 97.15 | 91.75 | 86.25 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Care network | 118.85 | 113.45 | 108.05 | 102.55 | 97.15 | 91.75 | 86.25 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 119.55 | 114.15 | 108.75 | 103.25 | 97.85 | 92.45 | 86.95 | +5.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 120.05 | — | 109.25 | — | 98.35 | — | 87.45 | +3.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 120.05 | — | 109.25 | — | 98.35 | — | 87.45 | +3.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 120.05 | — | 109.25 | — | 98.35 | — | 87.45 | +3.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 117.95 | 113.15 | 108.35 | 103.45 | 98.95 | 93.85 | 88.95 | +6.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 120.95 | 115.55 | 110.15 | 104.65 | 99.25 | — | 88.35 | +8.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 121.25 | 115.85 | 110.35 | 104.95 | 99.45 | 94.05 | 88.55 | +7.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 121.35 | 115.95 | 110.55 | 105.05 | 99.65 | 94.25 | — | −12.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 121.65 | 116.25 | 110.85 | 105.35 | 99.95 | — | 89.15 | +8.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 120.45 | 115.45 | 110.55 | 105.45 | 100.45 | 95.55 | 90.45 | +4.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 120.45 | 115.45 | 110.55 | 105.45 | 100.45 | 95.55 | 90.45 | +4.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 122.15 | — | 111.35 | — | 100.45 | — | 89.65 | +3.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 120.45 | — | 110.65 | — | 100.85 | — | 91.15 | −1.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 120.75 | 115.85 | 110.95 | 105.95 | 101.25 | 96.15 | 91.15 | +6.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 123.85 | 118.45 | 113.05 | 107.55 | 102.15 | 96.75 | 91.25 | New tariff 2027 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 122.15 | 117.15 | 112.25 | 107.15 | 102.45 | 97.25 | 92.15 | +6.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 125.55 | 120.05 | 114.65 | 109.15 | 103.75 | 98.25 | 92.85 | +10.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.85 | — | 114.75 | 109.25 | 103.75 | 98.15 | 92.65 | +9.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.85 | 120.45 | 114.95 | 109.55 | 104.15 | 98.65 | — | −12.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.35 | 120.95 | 115.55 | 110.15 | 104.65 | 99.25 | — | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 126.95 | 121.45 | 115.95 | — | 104.75 | — | 93.65 | +1.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.45 | 123.05 | 117.65 | 112.15 | 106.75 | — | 95.85 | +8.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.75 | 125.25 | 119.75 | 114.15 | 108.65 | 103.25 | 97.65 | +1.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 130.55 | 125.15 | 119.70 | 114.30 | 108.90 | 103.45 | 98.00 | +4.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 131.45 | 125.95 | 120.45 | — | 109.35 | — | 98.25 | +3.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 130.95 | 125.55 | 120.15 | 114.75 | 109.35 | 103.95 | 98.45 | New tariff 2027 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.25 | 125.85 | 120.45 | 114.95 | 109.55 | 104.25 | 98.75 | +4.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 131.95 | 126.55 | 121.10 | 115.65 | 110.30 | 104.85 | 99.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 131.95 | 126.55 | 121.10 | 115.65 | 110.30 | 104.85 | 99.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 131.95 | 126.55 | 121.10 | 115.65 | 110.30 | 104.85 | 99.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 131.95 | 126.55 | 121.10 | 115.65 | 110.30 | 104.85 | 99.40 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 131.95 | 126.55 | 121.10 | 115.65 | 110.30 | 104.85 | 99.40 | +4.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 132.25 | 126.85 | 121.45 | 115.95 | 110.55 | 105.15 | 99.65 | +2.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 132.95 | 127.55 | 122.15 | 116.75 | 111.35 | 105.95 | 100.45 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 133.75 | 128.25 | 122.75 | — | 111.65 | — | 100.55 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 133.35 | 127.95 | 122.50 | 117.05 | 111.65 | 106.25 | 100.80 | +4.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 133.75 | 128.35 | 122.95 | 117.45 | 112.05 | 106.65 | 101.25 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.85 | — | 123.05 | — | 112.25 | — | 101.35 | +3.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.25 | — | 123.45 | — | 112.65 | — | 101.75 | +1.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.65 | 129.25 | 123.75 | 118.25 | 113.05 | 107.35 | 101.75 | +6.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | 102.75 | +7.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | 102.75 | +7.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 135.65 | 130.25 | 124.85 | 119.35 | 113.95 | 108.55 | 103.05 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 136.20 | 130.80 | 125.35 | 119.90 | 114.50 | 109.05 | 103.60 | +4.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 136.85 | 131.35 | 125.95 | 120.45 | 115.05 | 109.55 | 104.15 | +7.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 136.85 | 131.45 | 126.05 | 120.55 | 115.15 | 109.75 | 104.25 | +2.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 137.25 | 131.85 | 126.45 | 120.95 | 115.55 | 110.15 | 104.65 | +0.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.05 | 132.65 | 127.25 | 121.75 | 116.35 | 110.95 | 105.55 | +5.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 138.85 | 133.45 | 128.05 | 122.55 | 117.15 | 111.75 | 106.25 | +0.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 139.15 | — | 128.25 | — | 117.45 | — | 106.65 | +5.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 139.85 | 134.35 | 128.85 | — | 117.75 | — | 106.55 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 140.25 | 134.85 | 129.35 | 123.95 | 118.45 | 113.05 | 107.55 | +2.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 140.25 | 134.85 | 129.35 | 123.95 | 118.45 | 113.05 | 107.55 | +2.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 140.85 | — | 129.95 | — | 119.05 | — | 108.25 | +5.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 140.85 | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 140.95 | 135.55 | 130.15 | 124.75 | 119.35 | 113.95 | 108.45 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 125.15 | — | 122.55 | — | 119.85 | — | 112.05 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 141.65 | — | 130.85 | — | 119.95 | — | 109.15 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 141.75 | 136.35 | 131.05 | 125.55 | 120.15 | 114.75 | 109.25 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 141.95 | 136.55 | 131.15 | 125.65 | 120.35 | 114.95 | 109.45 | +0.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 144.25 | 138.85 | 133.45 | 127.95 | 122.55 | 117.15 | 111.65 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 144.25 | 138.85 | 133.45 | 127.95 | 122.55 | 117.15 | 111.65 | 0.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.55 | — | 133.75 | — | 122.85 | — | 112.05 | +9.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 144.55 | — | 133.75 | — | 122.85 | — | 112.05 | +9.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 144.55 | — | 133.75 | — | 122.85 | — | 112.05 | +9.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 130.35 | — | 127.75 | — | 122.85 | — | 112.05 | +20.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 138.55 | — | 133.75 | — | 122.85 | — | 112.05 | +13.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 144.55 | — | 133.75 | — | 122.85 | — | 112.05 | +9.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 145.05 | — | 134.15 | — | 123.35 | — | 112.45 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 145.85 | 140.35 | 134.95 | 129.45 | 124.05 | 118.55 | 113.15 | +6.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 145.85 | — | 134.95 | — | 124.15 | — | 113.35 | +5.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.35 | 142.15 | 136.70 | 130.60 | 124.50 | 118.45 | 113.90 | +8.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.45 | 141.95 | 136.45 | — | 125.35 | — | 114.15 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 147.55 | 142.15 | 136.65 | 131.25 | 125.75 | 120.35 | 114.85 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 147.55 | 142.15 | 136.65 | 131.25 | 125.75 | 120.35 | 114.85 | +2.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.25 | 142.85 | 137.45 | 132.05 | 126.65 | 121.25 | 115.75 | +3.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 153.85 | 148.45 | 143.05 | 137.55 | 132.15 | 126.85 | 121.35 | +0.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.05 | 148.65 | 143.15 | 137.75 | 132.25 | 126.85 | 121.35 | +2.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 159.05 | 153.55 | 148.15 | 142.65 | 137.25 | 131.75 | 126.35 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 159.05 | 153.55 | 148.15 | 142.65 | 137.25 | 131.75 | 126.35 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 159.05 | 153.55 | 148.15 | 142.65 | 137.25 | 131.75 | 126.35 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 159.05 | 153.55 | 148.15 | 142.65 | 137.25 | 131.75 | 126.35 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.95 | 153.55 | 148.15 | 142.75 | 137.35 | 131.95 | 126.45 | 0.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 160.65 | 155.25 | 149.75 | 144.35 | 138.85 | 133.45 | 127.95 | +5.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 163.55 | — | 152.65 | — | 141.85 | — | 130.95 | +5.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 111.45 | — | — | — | — | 84.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 112.85 | — | — | — | — | 85.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 114.25 | — | — | — | — | 87.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 117.05 | — | — | — | — | 89.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 117.05 | — | — | — | — | 89.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 118.45 | — | — | — | — | 91.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 122.55 | — | — | — | — | 95.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.65 | — | — | — | — | 106.65 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.05 | — | — | 141.75 | — | — | 125.45 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Chénens for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/), the cheapest offer in [Chénens](https://praemiencheck.onedoc.ch/en/fr/chenens/) is CSS (Hausarztversicherung Profit) at 88.15 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 103.75 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/chenens/child/) with a deductible of 400 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/), monthly premiums run from 88.15 CHF (CSS, Hausarztversicherung Profit) to 141.85 CHF (Sympany, Standard model): 115 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: 121.95 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Chénens for a child aged 0 to 18 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 109.75 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-0/) to 77.25 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-600/): 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Chénens 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 400 CHF and without accident cover, the cheapest premium per model is: standard model 103.75 CHF (Agrisano), family doctor / HMO 88.15 CHF (CSS), flexible model 92.25 CHF (Assura), telemedicine 89.15 CHF (KPT).

### Does a second or third child pay less in Chénens?

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 Chénens file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 93.65 CHF | 27.15 CHF from the 3rd child |
| Agrisano | AGRIcontact | 94.55 CHF | 29.35 CHF from the 3rd child |
| CONCORDIA | HMO | 90.45 CHF | 32.55 CHF from the 3rd child |
| Galenos | Managed Care | 118.45 CHF | 35.75 CHF from the 3rd child |
| sana24 | Managed Care | 119.05 CHF | 35.85 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 119.85 CHF | 38.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 90.45 CHF | 42.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 100.45 CHF | 47.85 CHF from the 3rd child |
| EGK | EGK-TelCare | 90.65 CHF | 80.35 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 110.55 CHF | 81.75 CHF from the 5th child |
| Groupe Mutuel – Philos | OptiMed (Healthcare network) | 113.95 CHF | 84.25 CHF from the 5th child |
| SLKK | SmartMed | 98.95 CHF | 86.65 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 119.35 CHF | 88.35 CHF from the 5th child |
| Assura | FeminaVita | 92.25 CHF | 90.65 CHF from the 4th child, 89.05 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 92.90 CHF at CSS (Hausarztversicherung Profit) gives 88.15 CHF after redistribution.

### 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Chénens is in region 1 of canton Fribourg.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Chénens (FR): every situation: https://praemiencheck.onedoc.ch/en/fr/chenens/
- Premiums 2027 in Chénens (FR), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/fr/chenens/child/
- Premiums 2027 in Chénens (FR), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/fr/chenens/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/fr/chenens/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/with-accident/deductible-400/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-0/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-100/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-200/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-300/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-500/
- Deductible Premiums 2027 in Chénens (FR), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/fr/chenens/child/no-accident/deductible-0/ — replace `fr` with your canton’s two-letter code (ge, vd, zh…), `chenens` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.