Health insurance premiums 2027 in Schmitten (FR)For a child aged 0 to 18 without accident cover

In 2027, without accident cover, the cheapest offer in Schmitten is KPT (KPTwin.smart - GP with app) at 97.05 CHF a month. The cheapest standard model (free choice of doctor) is Aquilana (Standard model) at 113.25 CHF a month.

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 97.05 CHF (KPT, KPTwin.smart - GP with app) to 150.85 CHF (Sympany, 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: 112.15 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (KPT, KPTwin.smart - GP with app), the premium goes from 97.05 CHF a month with the 0 CHF deductible to 71.05 CHF with the 600 CHF deductible: 26.00 CHF less a month, 312.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 347 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 113.25 CHF (Aquilana), family doctor / HMO 100.25 CHF (CSS), flexible model 107.15 CHF (Assura), telemedicine 97.05 CHF (KPT).

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 23 insurers present in Schmitten 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 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 101.80 CHF at KPT (KPTwin.smart - GP with app) gives 97.05 CHF after redistribution.

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.