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117 offersfrom 24 health insurers

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

Results sorted by ascending monthly premium for the selected criteria.

In Celerina/Schlarigna (canton Graubünden), in 2027, for a child aged 0 to 18 with a 0 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 90.40 CHF with Agrisano (AGRIsmart model) and the most expensive is 161.20 CHF with Groupe Mutuel – Avenir (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Celerina/Schlarigna for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Celerina/Schlarigna is Agrisano (AGRIsmart) at 90.40 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 103.40 CHF a month.

How much does health insurance cost in Celerina/Schlarigna in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 90.40 CHF (Agrisano, AGRIsmart) to 161.20 CHF (Groupe Mutuel – Avenir, Standard model): 117 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: 110.80 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Celerina/Schlarigna for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 90.40 CHF a month with the 0 CHF deductible to 61.80 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Celerina/Schlarigna 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 without accident cover, the cheapest premium per model is: standard model 103.40 CHF (vita surselva), family doctor / HMO 96.20 CHF (Agrisano), flexible model 97.70 CHF (Assura), telemedicine 90.40 CHF (Agrisano).

Does a second or third child pay less in Celerina/Schlarigna?

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 24 insurers present in Celerina/Schlarigna file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart90.40 CHF41.10 CHF from the 3rd child
VisanaManaged Care112.80 CHF47.20 CHF from the 3rd child
sana24Managed Care127.50 CHF49.30 CHF from the 3rd child
SWICAFavorit Multichoice113.40 CHF50.00 CHF from the 3rd child
GalenosManaged Care125.20 CHF50.30 CHF from the 3rd child
CONCORDIAHMO104.90 CHF52.20 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor104.40 CHF52.20 CHF from the 3rd child
AquilanaSMARTMED106.50 CHF53.30 CHF from the 3rd child
rhenusanasanmed24116.00 CHF58.00 CHF from the 3rd child
Groupe Mutuel – PhilosOptiMed (Healthcare network)121.90 CHF91.40 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)122.50 CHF91.90 CHF from the 5th child
AssuraMediTel96.60 CHF95.10 CHF from the 4th child, 93.60 CHF from the 5th child
EGKEGK-TelCare108.90 CHF99.00 CHF from the 3rd child
SLKKSmartMed117.00 CHF105.30 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)144.30 CHF108.20 CHF from the 5th child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.