# Health insurance premiums 2026 in Arosa (GR), for a child aged 0 to 18 with accident cover

In 2026, for a child aged 0 to 18 in Arosa, with accident cover, the cheapest health insurance premium is:

- **94.60 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-0/) (vita surselva, Sparmed)
- **59.70 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-600/) (vita surselva, Sparmed)

## With accident cover: from 59.70 to 166.55 CHF a month depending on the deductible and the model

116 offers from 24 health insurers. With a deductible of 0 CHF, the cheapest is **94.60 CHF** a month with **vita surselva** (Sparmed), the most expensive 166.55 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 94.60 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-0/
- 100 CHF: 89.60 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-100/
- 200 CHF: 83.65 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-200/
- 300 CHF: 77.65 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-300/
- 400 CHF: 71.65 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-400/
- 500 CHF: 65.65 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-500/
- 600 CHF: 59.70 CHF (vita surselva, Sparmed) — https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 94.60 | 89.60 | 83.65 | 77.65 | 71.65 | 65.65 | 59.70 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 99.05 | 93.25 | 87.45 | 81.55 | 75.75 | — | 64.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 99.35 | — | 90.05 | — | 80.75 | — | 71.35 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 99.85 | 94.60 | 88.30 | 83.05 | 76.75 | 72.55 | 66.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 103.25 | — | 93.65 | — | 83.95 | — | 74.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 104.95 | — | — | — | — | 75.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 104.95 | — | — | — | — | 75.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 104.95 | — | — | — | — | 75.85 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 105.15 | 99.35 | 93.55 | 87.65 | 81.85 | — | 70.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 105.85 | — | 95.95 | — | 86.05 | — | 76.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 106.15 | — | 94.55 | — | 82.85 | — | 71.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 106.15 | — | 94.55 | — | 82.85 | — | 71.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 106.15 | — | 94.55 | — | 82.85 | — | 71.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 106.25 | — | — | — | — | 77.15 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 106.55 | 100.75 | 94.95 | 89.05 | 83.25 | 77.45 | 71.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 106.55 | 100.75 | 94.95 | 89.05 | 83.25 | 77.45 | 71.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 107.15 | — | 97.15 | — | 87.15 | — | 77.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 107.55 | — | 96.95 | 91.65 | 86.45 | 81.05 | 75.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 107.55 | — | — | — | — | 78.45 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 107.55 | — | — | — | — | 78.45 | — |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed | 107.75 | 106.75 | 104.45 | 95.75 | 85.95 | 80.15 | 74.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 107.95 | — | 96.35 | — | 84.65 | — | 72.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 109.25 | 103.45 | 97.65 | 91.75 | 85.95 | — | 74.25 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 109.35 | — | 98.65 | 93.25 | 87.95 | 82.55 | 77.15 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 109.55 | 104.15 | 98.85 | 93.45 | 88.05 | 82.75 | 77.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 109.55 | 104.15 | 98.85 | 93.45 | 88.05 | 82.75 | 77.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 109.85 | 104.05 | 98.25 | 92.35 | 86.55 | — | 74.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 110.45 | 104.65 | 98.85 | 92.95 | 87.15 | 81.35 | 75.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 110.45 | 104.65 | 98.85 | 92.95 | 87.15 | 81.35 | 75.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 110.45 | 104.65 | 98.85 | 92.95 | 87.15 | 81.35 | 75.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 111.35 | — | — | — | — | 82.25 | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 111.75 | 106.75 | 101.75 | 96.65 | 91.55 | 84.35 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 111.75 | 105.95 | 100.15 | 94.25 | 88.45 | 82.65 | 76.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 112.65 | — | — | — | — | 83.55 | — |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.65 | 112.65 | 110.35 | 101.15 | 91.05 | 84.95 | 78.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 114.25 | 113.35 | 112.35 | 111.35 | 110.35 | 109.35 | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 114.35 | 108.55 | 102.75 | 96.95 | 91.05 | 85.25 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 115.55 | 109.75 | 103.95 | 98.05 | 92.25 | 86.45 | 80.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 115.55 | 109.75 | 103.95 | 98.05 | 92.25 | 86.45 | 80.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 116.05 | 110.25 | 104.45 | 98.55 | 92.75 | — | 81.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 116.25 | — | 105.55 | — | 94.65 | — | 83.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 118.45 | — | 106.85 | — | 95.15 | — | 83.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 118.65 | 112.85 | 107.05 | 101.15 | 95.35 | 89.55 | 83.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 118.65 | 112.85 | 107.05 | 101.15 | 95.35 | 89.55 | 83.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 119.35 | — | 107.65 | 101.85 | 96.05 | 90.15 | 84.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 119.45 | 113.65 | 107.85 | 102.05 | 96.15 | 90.35 | 84.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 120.25 | — | 111.35 | — | 99.65 | — | 88.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 121.65 | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.65 | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.85 | 116.05 | 110.25 | 104.35 | 98.55 | 92.75 | 86.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 121.95 | 116.15 | 110.35 | 104.45 | 98.65 | 92.85 | 86.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 122.45 | — | — | 104.95 | — | — | 87.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.95 | — | — | — | — | 93.85 | — |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 123.20 | 117.40 | 111.60 | 105.70 | 99.90 | 94.10 | 88.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 123.20 | 117.40 | 111.60 | 105.70 | 99.90 | 94.10 | 88.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 123.20 | 117.40 | 111.60 | 105.70 | 99.90 | 94.10 | 88.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 123.20 | 117.40 | 111.60 | 105.70 | 99.90 | 94.10 | 88.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 123.25 | 117.45 | 111.65 | 105.75 | 99.95 | 94.15 | 88.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 124.55 | 118.75 | 112.95 | 107.05 | 101.25 | 95.45 | 89.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 125.15 | — | 116.25 | — | 104.65 | — | 92.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.35 | — | 113.75 | — | 102.05 | — | 90.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.45 | 119.65 | 113.85 | 107.95 | 102.15 | 96.35 | 90.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 126.65 | 120.85 | 115.05 | 109.15 | 103.35 | 97.55 | 91.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.15 | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 128.15 | 122.35 | 116.55 | 110.65 | 104.85 | 99.05 | 93.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 128.15 | 122.35 | 116.55 | 110.65 | 104.85 | 99.05 | 93.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 128.55 | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 128.65 | — | — | 111.15 | — | — | 93.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.15 | 123.35 | 117.55 | 111.75 | 105.85 | 100.05 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.15 | 128.15 | 127.15 | 126.15 | 125.15 | 124.15 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 129.15 | 128.25 | 127.25 | 126.25 | 125.25 | 124.25 | — |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 129.25 | 123.45 | 117.65 | 111.75 | 105.95 | 100.15 | 94.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 130.05 | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 130.05 | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 131.05 | 126.15 | 121.15 | 116.05 | 111.35 | 106.05 | 100.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 132.65 | 126.85 | 121.05 | 115.15 | 109.35 | 103.55 | 97.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.45 | — | — | 115.95 | — | — | 98.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 134.65 | 128.85 | 123.05 | — | 111.35 | — | 99.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 135.65 | — | 124.05 | — | 112.35 | — | 100.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 135.65 | — | 124.05 | — | 112.35 | — | 100.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 135.65 | — | 124.05 | — | 112.35 | — | 100.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 135.65 | — | 124.05 | — | 112.35 | — | 100.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 137.45 | 132.25 | 126.95 | 121.65 | 116.75 | 111.25 | 105.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 137.75 | 131.95 | 126.15 | 120.25 | 114.45 | 108.65 | 102.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 137.75 | 131.95 | 126.15 | 120.25 | 114.45 | 108.65 | 102.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 137.85 | 132.05 | 126.25 | — | 114.55 | — | 102.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 139.05 | 133.75 | 128.45 | 123.05 | 118.05 | 112.55 | 107.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 139.45 | 133.65 | 127.85 | 121.95 | 116.15 | 110.35 | 104.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 140.55 | 134.75 | 128.95 | 123.05 | 117.25 | 111.45 | 105.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 140.55 | 134.75 | 128.95 | 123.05 | 117.25 | 111.45 | 105.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 140.55 | 134.75 | 128.95 | 123.05 | 117.25 | 111.45 | 105.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 141.35 | 135.55 | 129.75 | — | 118.05 | — | 106.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 142.15 | 136.35 | 130.55 | 124.65 | 118.85 | 113.05 | 107.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 142.15 | 136.35 | 130.55 | 124.65 | 118.85 | 113.05 | 107.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.35 | 137.55 | 131.75 | 125.85 | 120.05 | 114.25 | 108.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.75 | 137.95 | 132.15 | 126.25 | 120.45 | 114.65 | 108.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 144.25 | — | 132.65 | — | 120.95 | — | 109.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 145.15 | 139.35 | 133.55 | 127.65 | 121.85 | 116.05 | 110.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 145.15 | 139.25 | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 145.15 | 139.25 | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 145.15 | 139.25 | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 145.15 | 139.25 | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 145.15 | 139.25 | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 145.35 | 139.55 | 133.75 | 127.85 | 122.05 | 116.25 | 110.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 145.95 | — | 134.35 | — | 122.65 | — | 110.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 145.95 | — | 134.35 | — | 122.65 | — | 110.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 145.95 | — | 134.35 | — | 122.65 | — | 110.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 146.65 | 140.75 | 134.95 | 129.15 | 123.25 | 117.45 | 111.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 147.65 | 141.75 | 135.95 | 130.15 | 124.25 | 118.45 | 112.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 147.65 | 141.75 | 135.95 | 130.15 | 124.25 | 118.45 | 112.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 149.45 | — | 137.75 | — | 126.05 | — | 114.45 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 153.25 | 147.45 | 141.65 | 135.75 | 130.25 | 124.15 | 118.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 155.55 | 149.75 | 143.95 | — | 132.25 | — | 120.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 157.55 | 151.75 | 145.95 | 140.05 | 134.25 | 128.45 | 122.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 157.85 | 152.05 | 146.15 | 140.35 | 134.55 | 128.65 | 122.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 166.55 | — | 154.95 | — | 143.25 | — | 131.55 |

116 offers from 24 health insurers.: https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Arosa for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Arosa](https://praemiencheck.onedoc.ch/en/gr/arosa/) is vita surselva (Sparmed) at 94.60 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/gr/arosa/child/) with a deductible of 0 CHF and with accident cover, monthly premiums run from 94.60 CHF (vita surselva, Sparmed) to 166.55 CHF (Sympany, Standard model): 116 offers from 24 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: 109.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Arosa for a child aged 0 to 18 with accident cover?

On the cheapest offer (vita surselva, Sparmed), the premium goes from 94.60 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-0/) to 59.70 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/deductible-600/): 34.90 CHF less a month, 418.80 CHF a year. The 600 CHF deductible stays worthwhile up to around 465 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Arosa 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 0 CHF and with accident cover, the cheapest premium per model is: standard model 99.85 CHF (vita surselva), family doctor / HMO 94.60 CHF (vita surselva), flexible model 104.95 CHF (Helsana), telemedicine 99.35 CHF (KPT).

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

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 24 insurers present in Arosa file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIcontact | 107.55 CHF | 46.05 CHF from the 3rd child |
| Visana | Managed Care | 118.65 CHF | 46.65 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 120.25 CHF | 47.15 CHF from the 3rd child |
| CONCORDIA | HMO | 106.55 CHF | 50.35 CHF from the 3rd child |
| sana24 | Managed Care without capitation | 140.55 CHF | 51.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 109.55 CHF | 52.25 CHF from the 3rd child |
| Galenos | Managed Care | 139.45 CHF | 52.95 CHF from the 3rd child |
| Aquilana | SMARTMED | 111.75 CHF | 53.35 CHF from the 3rd child |
| rhenusana | sanmed24 | 122.45 CHF | 58.65 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 126.65 CHF | 93.75 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 128.55 CHF | 95.15 CHF from the 5th child |
| EGK | EGK-TelCare | 114.25 CHF | 97.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 140.55 CHF | 104.15 CHF from the 5th child |
| Assura | Qualimed | 110.45 CHF | 108.65 CHF from the 4th child, 106.85 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 131.05 CHF | 117.45 CHF from the 3rd 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 99.75 CHF at vita surselva (Sparmed) gives 94.60 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.

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/gr/arosa/child/with-accident/

## Related pages

- With accident cover: from 59.70 to 166.55 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/gr/arosa/child/with-accident/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…) and `arosa` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.