# Health insurance premiums 2026 in Saint-Martin (FR), for a child aged 0 to 18, deductible of 200 CHF, without accident cover

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

In [Saint-Martin](https://praemiencheck.onedoc.ch/en/fr/saint-martin/) ([canton Fribourg](https://praemiencheck.onedoc.ch/en/fr/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/) with a 200 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/), 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).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (200 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 88.95 | — | 79.35 | 74.55 | 69.85 | 65.05 | 60.35 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 92.95 | 87.55 | 82.15 | 76.65 | 71.25 | — | 60.35 | +1.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 93.85 | — | 83.75 | 78.75 | 73.75 | 68.65 | 63.75 | +5.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 94.05 | 89.35 | 84.65 | 79.95 | 75.25 | 68.75 | — | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 95.75 | 90.35 | 84.95 | 79.45 | 74.05 | — | 63.15 | +3.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 95.45 | — | 85.15 | 80.15 | 75.15 | 69.95 | 64.85 | +5.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 94.25 | — | 85.65 | — | 76.95 | — | 68.25 | +3.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 99.55 | 94.05 | 88.55 | 83.15 | 77.65 | 72.25 | 66.75 | +8.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 99.75 | 94.35 | 88.95 | 83.55 | 78.05 | 72.65 | — | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 100.35 | 94.85 | 89.45 | 83.95 | 78.55 | 73.05 | 67.65 | +8.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 99.75 | 94.95 | 90.15 | 85.25 | 80.75 | 75.65 | 70.75 | +13.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 101.55 | 96.05 | 90.65 | 85.15 | 79.75 | 74.25 | 68.85 | +8.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 101.65 | 96.25 | 90.85 | 85.35 | 79.95 | 74.65 | 69.15 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 101.85 | 96.45 | 91.05 | 85.55 | 80.15 | — | 69.25 | +5.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 100.55 | — | 91.35 | — | 82.05 | — | 72.85 | +6.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 100.55 | — | 91.35 | — | 82.05 | — | 72.85 | +3.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 102.35 | 96.95 | 91.55 | 86.05 | 80.65 | 75.25 | 69.75 | +5.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 102.45 | 97.05 | 91.65 | 86.15 | 80.75 | — | 69.95 | +8.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 102.75 | 97.25 | 91.85 | 86.35 | 80.95 | 75.45 | 70.05 | +9.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 102.85 | 97.45 | 92.05 | 86.55 | 81.25 | 75.85 | 70.35 | +5.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 102.15 | 97.25 | 92.35 | 87.35 | 82.65 | 77.45 | 72.55 | +13.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 103.35 | 97.95 | 92.45 | 86.85 | 81.35 | 75.85 | 70.35 | +9.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 103.35 | 97.95 | 92.45 | 86.85 | 81.35 | 75.85 | 70.35 | +9.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 101.75 | — | 92.45 | — | 83.15 | — | 73.75 | +2.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 104.15 | — | 93.05 | 87.55 | 82.05 | 76.45 | 70.95 | +5.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 103.35 | 98.35 | 93.35 | 88.35 | 83.65 | 78.45 | 73.35 | +13.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 104.35 | 98.95 | 93.55 | 88.05 | 82.65 | 77.25 | 71.85 | +2.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 104.35 | 98.95 | 93.55 | 88.05 | 82.65 | 77.25 | 71.85 | +2.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 104.75 | 99.35 | 93.95 | 88.45 | 83.05 | 77.65 | 72.15 | +5.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 105.25 | 99.75 | 94.35 | 88.75 | 83.25 | 77.75 | 72.25 | +9.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 106.05 | — | 95.25 | — | 84.35 | — | 73.45 | +2.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 106.05 | — | 95.25 | — | 84.35 | — | 73.45 | +6.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 106.05 | — | 95.25 | — | 84.35 | — | 73.45 | +2.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.55 | 102.15 | 96.75 | 91.35 | 85.95 | — | 75.05 | +1.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 98.75 | 97.95 | 97.05 | 96.05 | 95.15 | 94.15 | — | +5.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 107.85 | — | 97.15 | — | 86.25 | — | 75.35 | +2.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 108.85 | 103.45 | 98.05 | 92.65 | 87.15 | 81.75 | — | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 109.05 | 103.65 | 98.25 | 92.75 | 87.35 | 81.95 | 76.45 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 109.05 | 103.65 | 98.25 | 92.75 | 87.35 | 81.95 | 76.45 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 110.45 | — | 100.45 | — | 90.25 | — | 80.15 | +3.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 113.45 | 108.05 | 102.55 | 97.15 | 91.65 | 86.25 | 80.75 | +8.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 113.45 | 108.05 | 102.55 | 97.15 | 91.65 | 86.25 | 80.75 | +8.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 113.85 | 108.45 | 103.05 | 97.55 | 92.15 | 86.75 | 81.25 | +2.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.05 | 108.55 | 103.15 | 97.55 | 92.45 | 86.65 | 81.15 | +13.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 111.85 | — | 103.55 | — | 92.65 | — | 81.85 | +0.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.65 | 109.25 | 103.75 | 98.35 | 92.85 | 87.45 | 81.95 | +8.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 106.75 | 105.85 | 104.95 | 104.05 | 103.05 | 102.15 | — | +3.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 116.45 | 110.95 | 105.45 | — | 94.35 | — | 83.25 | +7.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 116.95 | 111.55 | 106.05 | 100.65 | 95.15 | 89.75 | 84.25 | −3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 117.55 | 112.15 | 106.75 | 101.25 | 95.85 | 90.55 | 85.05 | +5.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.45 | — | 107.65 | — | 96.75 | — | 85.85 | +2.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 119.15 | 113.75 | 108.35 | 102.85 | 97.45 | 92.05 | 86.55 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 119.05 | — | 108.35 | — | 97.45 | — | 86.55 | +3.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 119.85 | 114.45 | 109.05 | 103.55 | 98.15 | 92.75 | 87.25 | +3.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.35 | 114.85 | 109.35 | 103.75 | 98.25 | 92.85 | 87.25 | +8.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.35 | 110.35 | 109.45 | 108.55 | 107.55 | 106.65 | — | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 120.65 | 115.15 | 109.65 | — | 98.45 | — | 87.35 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 120.55 | 115.15 | 109.75 | 104.25 | 98.85 | 93.45 | 87.95 | +3.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 118.85 | — | 110.55 | — | 99.75 | — | 88.85 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 122.15 | 116.65 | 111.25 | 105.75 | 100.35 | 94.85 | 89.45 | +1.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 122.65 | — | 111.85 | — | 100.95 | — | 90.15 | +0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 122.65 | — | 111.85 | — | 100.95 | — | 90.15 | +0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 122.65 | — | 111.85 | — | 100.95 | — | 90.15 | +0.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 122.65 | — | 111.85 | — | 100.95 | — | 90.15 | +0.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 123.35 | 117.85 | 112.35 | — | 101.25 | — | 90.15 | +5.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 123.35 | 117.95 | 112.55 | 107.05 | 101.65 | 96.25 | 90.75 | +3.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 124.45 | 119.05 | 113.75 | 108.25 | 102.85 | 97.45 | 91.95 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 124.65 | 119.25 | 113.85 | 108.35 | 102.95 | 97.55 | 92.05 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | 98.85 | 93.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | 98.85 | 93.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | 98.85 | 93.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | 98.85 | 93.35 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | 98.85 | 93.45 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 126.05 | 120.65 | 115.15 | 109.75 | 104.25 | 98.85 | 93.35 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 126.05 | 120.65 | 115.25 | 109.75 | 104.35 | 98.95 | 93.45 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 126.95 | 121.35 | 115.85 | — | 104.75 | — | 93.65 | +5.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 126.95 | — | 116.05 | — | 105.15 | — | 94.45 | +11.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 127.35 | 121.95 | 116.55 | 111.05 | 105.65 | 100.25 | 94.75 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 127.45 | 122.05 | 116.65 | 111.15 | 105.75 | 100.35 | 94.85 | +4.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 127.75 | — | 116.85 | — | 106.05 | — | 95.15 | +9.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 128.05 | 122.55 | 117.15 | 111.65 | 106.15 | 100.75 | 95.25 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 128.45 | — | 117.55 | — | 106.75 | — | 95.85 | +12.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 129.25 | 123.85 | 118.35 | 112.95 | 107.45 | 102.05 | 96.55 | New tariff 2026 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.90 | 124.45 | 119.10 | 112.90 | 106.90 | 101.50 | 96.15 | +9.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 129.95 | — | 119.15 | — | 108.25 | — | 97.35 | +8.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 129.95 | — | 119.15 | — | 108.25 | — | 97.35 | +10.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 130.05 | 124.65 | 119.25 | 113.75 | 108.35 | 102.95 | 97.45 | +7.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 130.35 | 124.95 | 119.55 | 114.05 | 108.65 | 103.25 | 97.75 | +2.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 130.75 | 125.35 | 119.85 | 114.45 | 108.95 | 103.55 | 98.05 | +2.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 132.55 | 127.15 | 121.75 | 116.25 | 110.85 | 105.55 | 100.05 | +9.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 133.35 | 127.95 | 122.55 | 117.05 | 111.65 | 106.25 | 100.75 | +9.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.85 | 128.35 | 122.85 | — | 111.75 | — | 100.55 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 133.75 | 128.35 | 122.95 | 117.45 | 112.05 | 106.65 | 101.15 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 134.95 | 129.55 | 124.05 | 118.65 | 113.15 | 107.75 | 102.25 | −4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 135.65 | 130.25 | 124.85 | 119.35 | 113.95 | 108.55 | 103.15 | +9.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 135.65 | 130.25 | 124.85 | 119.35 | 113.95 | 108.55 | 103.15 | +9.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 136.55 | 131.05 | 125.65 | 120.15 | 114.75 | 109.25 | 103.75 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 136.55 | 131.05 | 125.65 | 120.15 | 114.75 | 109.25 | 103.75 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 136.55 | 131.05 | 125.65 | 120.15 | 114.75 | 109.25 | 103.75 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 136.55 | 131.05 | 125.65 | 120.15 | 114.75 | 109.25 | 103.75 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 137.95 | 132.45 | 127.05 | 121.55 | 116.15 | 110.65 | 105.25 | +3.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 141.35 | 135.95 | 130.55 | 125.05 | 119.65 | 114.25 | 108.75 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 146.65 | — | 135.75 | — | 125.05 | — | 114.15 | +9.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 149.55 | 144.15 | 138.75 | 133.35 | 127.95 | 122.55 | 117.05 | +9.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 97.05 | — | — | — | — | 69.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 99.45 | — | — | — | — | 72.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 99.45 | — | — | — | — | 72.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 99.45 | — | — | — | — | 72.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 100.55 | — | — | — | — | 73.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 100.55 | — | — | — | — | 73.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 104.15 | — | — | — | — | 77.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 105.35 | — | — | — | — | 78.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.05 | — | — | — | — | 87.95 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 138.45 | — | — | 122.25 | — | — | 105.95 | — |

\* insurer’s default model

## Frequently asked questions

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

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/), the cheapest offer in [Saint-Martin](https://praemiencheck.onedoc.ch/en/fr/saint-martin/) is Agrisano (AGRIsmart) at 79.35 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/) with a deductible of 200 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/), 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 Saint-Martin 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](https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-0/) to 60.35 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/fr/saint-martin/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 Saint-Martin 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 Saint-Martin?

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 Saint-Martin file a reduced premium from a certain number of children insured with them, at a 200 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 88.55 CHF | 29.55 CHF from the 3rd child |
| Agrisano | AGRIsmart | 79.35 CHF | 31.65 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 103.55 CHF | 34.75 CHF from the 3rd child |
| Galenos | Managed Care | 106.05 CHF | 35.55 CHF from the 3rd child |
| sana24 | Managed Care | 115.15 CHF | 38.55 CHF from the 3rd child |
| CONCORDIA | HMO | 92.45 CHF | 38.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 84.65 CHF | 39.75 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 93.55 CHF | 44.25 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 90.15 CHF | 79.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 108.35 CHF | 79.95 CHF from the 5th child |
| EGK | EGK-TelCare | 97.05 CHF | 83.15 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed | 113.75 CHF | 84.05 CHF from the 5th child |
| Assura | Qualimed | 90.85 CHF | 89.35 CHF from the 4th child, 87.95 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 121.75 CHF | 90.05 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.

## 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: Saint-Martin is in region 2 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 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/fr/saint-martin/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Saint-Martin (FR): every situation: https://praemiencheck.onedoc.ch/en/fr/saint-martin/
- Premiums 2026 in Saint-Martin (FR), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/
- Premiums 2026 in Saint-Martin (FR), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/fr/saint-martin/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/fr/saint-martin/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/with-accident/deductible-200/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-0/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-100/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Saint-Martin (FR), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/fr/saint-martin/child/no-accident/deductible-0/ — replace `fr` with your canton’s two-letter code (ge, vd, zh…), `saint-martin` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-200` with `deductible-600` for another deductible. Markdown version: add `.md`.