# Health insurance premiums 2027 in Ferrera (GR), for a child aged 0 to 18, deductible of 500 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Ferrera](https://praemiencheck.onedoc.ch/en/gr/ferrera/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/), the cheapest monthly basic insurance premium is **59.50 CHF** with **vita surselva** (Sparmed model) and the most expensive is 133.35 CHF with Groupe Mutuel – Avenir (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 88.35 | 83.70 | 77.20 | 71.60 | 65.05 | 59.50 | 53.90 | +4.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 91.85 | 86.05 | 80.25 | 74.35 | 68.55 | 62.75 | 56.85 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 88.05 | — | 77.95 | 72.95 | 67.95 | 62.85 | 57.75 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 92.95 | 87.15 | 81.35 | 75.45 | 69.65 | 63.85 | 57.95 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 92.95 | 87.15 | 81.35 | 75.45 | 69.65 | 63.85 | 57.95 | +2.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 93.25 | 88.35 | 82.45 | 76.60 | 70.70 | 64.85 | 58.95 | +4.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 94.05 | 88.25 | 82.45 | 76.55 | 70.75 | 64.95 | 59.05 | +3.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 93.45 | — | 82.75 | 77.45 | 72.15 | 66.75 | 61.45 | +5.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 93.95 | — | 83.25 | 77.85 | 72.55 | 67.15 | 61.75 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | 68.15 | 62.25 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | 68.15 | 62.25 | +2.8 % |
| [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 | 98.55 | — | — | — | — | 69.45 | — | +0.8 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 95.65 | 94.65 | 93.15 | 85.65 | 77.15 | 70.25 | 65.75 | +5.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 100.95 | — | — | — | — | 71.85 | — | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 100.95 | — | — | — | — | 71.85 | — | +5.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 101.45 | 95.65 | 89.85 | 83.95 | 78.15 | 72.35 | 66.45 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 102.15 | 96.35 | 90.55 | 84.65 | 78.85 | 73.05 | 67.15 | +5.0 % |
| [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 | 102.25 | — | — | — | — | 73.15 | — | +4.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.55 | — | 90.85 | 85.05 | 79.25 | 73.35 | 67.55 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.55 | 96.75 | 90.95 | 85.05 | 79.25 | 73.45 | 67.55 | +2.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 101.05 | 95.65 | 90.35 | 84.85 | 79.55 | 74.25 | 68.75 | +6.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 101.05 | 95.65 | 90.35 | 84.85 | 79.55 | 74.25 | 68.75 | +6.8 % |
| [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 | 103.45 | — | — | — | — | 74.35 | — | +0.8 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.05 | 101.05 | 99.45 | 91.55 | 82.55 | 75.55 | 70.95 | +6.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 105.25 | 99.45 | 93.65 | 87.75 | 81.95 | 76.15 | 70.25 | +4.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 105.45 | 99.65 | 93.85 | 87.95 | 82.15 | 76.35 | — | −20.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 106.35 | 100.45 | 94.65 | 88.85 | 82.95 | 77.15 | 71.35 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 106.35 | 100.45 | 94.65 | 88.85 | 82.95 | 77.15 | 71.35 | +4.9 % |
| [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 | 107.05 | — | — | — | — | 77.95 | — | +2.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 107.05 | — | — | — | — | 77.95 | — | +0.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 108.95 | 103.15 | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 108.95 | 103.15 | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | +4.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.15 | 104.35 | 98.55 | 92.65 | 86.85 | 81.05 | 75.25 | +6.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 108.45 | 103.45 | 98.35 | 93.35 | 88.25 | 81.15 | — | +7.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 111.05 | 105.25 | 99.45 | 93.65 | 87.75 | 81.95 | — | +7.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 108.35 | 103.35 | 98.45 | 93.35 | 88.65 | 83.35 | 78.25 | −5.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.75 | 109.95 | 104.05 | 98.25 | 92.45 | 86.55 | — | −18.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 115.65 | 109.85 | 104.05 | 98.15 | 92.35 | 86.55 | — | −18.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 113.65 | 108.45 | 103.25 | 97.85 | 92.95 | 87.45 | 82.15 | −5.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.85 | — | — | — | — | 87.75 | — | +0.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 114.95 | 109.65 | 104.45 | 99.05 | 94.05 | 88.45 | 83.15 | −5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 118.85 | 113.05 | 107.20 | 101.35 | 95.55 | 89.70 | 83.85 | +6.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.45 | 113.65 | 107.85 | 101.95 | 96.15 | 90.35 | 84.45 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 120.15 | 114.35 | 108.50 | 102.65 | 96.85 | 91.00 | 85.15 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 120.15 | 114.35 | 108.50 | 102.65 | 96.85 | 91.00 | 85.15 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 120.15 | 114.35 | 108.50 | 102.65 | 96.85 | 91.00 | 85.15 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 120.15 | 114.35 | 108.50 | 102.65 | 96.85 | 91.00 | 85.15 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 120.15 | 114.35 | 108.50 | 102.65 | 96.85 | 91.00 | 85.15 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 121.05 | 115.25 | 109.45 | 103.55 | 97.75 | 91.95 | 86.05 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 121.40 | 115.60 | 109.75 | 103.90 | 98.10 | 92.25 | 86.40 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 123.45 | 117.65 | 111.75 | 105.95 | 100.15 | 94.25 | 88.45 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 123.45 | 117.65 | 111.75 | 105.95 | 100.15 | 94.25 | 88.45 | +4.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 124.00 | 118.20 | 112.35 | 106.50 | 100.70 | 94.85 | 89.00 | +6.6 % |
| [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) | 124.15 | 118.35 | 112.55 | 106.65 | 100.85 | 95.05 | 89.15 | +1.9 % |
| [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) | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | 95.75 | 89.85 | +10.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | 95.75 | 89.85 | +12.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | 95.75 | 89.85 | +10.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 124.95 | 119.15 | 113.35 | 107.45 | 101.65 | 95.85 | 89.95 | +2.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.35 | 119.55 | 113.75 | 107.95 | 102.05 | 96.25 | — | +7.2 % |
| [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) | 125.65 | 119.85 | 114.05 | 108.15 | 102.35 | 96.55 | 90.65 | +2.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 125.65 | 119.85 | 114.05 | 108.15 | 102.35 | 96.55 | 90.65 | +2.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 126.45 | 120.65 | 114.85 | 108.95 | 103.15 | 97.35 | 91.45 | +4.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 126.45 | 120.65 | 114.85 | 108.95 | 103.15 | 97.35 | 91.45 | +4.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.85 | 121.05 | 115.25 | 109.35 | 103.85 | 97.75 | 91.85 | −5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.45 | 121.55 | 115.75 | 109.95 | 104.05 | 98.25 | 92.45 | +4.6 % |
| [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) | 129.25 | 123.45 | 117.65 | 111.75 | 105.95 | 100.15 | 94.25 | +10.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 129.45 | 123.65 | 117.75 | 111.95 | 106.15 | 100.25 | 94.45 | +7.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 133.65 | 127.75 | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 133.65 | 127.75 | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 133.65 | 127.75 | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 133.65 | 127.75 | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.05 | 129.15 | 123.35 | 117.55 | 111.65 | 105.85 | 100.05 | +7.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 135.35 | 129.55 | 123.75 | 117.85 | 112.05 | 106.25 | 100.35 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 135.35 | 129.55 | 123.75 | 117.85 | 112.05 | 106.25 | 100.35 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.55 | 132.75 | 126.95 | 121.05 | 115.25 | 109.45 | 103.55 | +2.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 140.15 | 134.35 | 128.55 | 122.65 | 116.85 | 111.05 | 105.15 | +10.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 143.95 | 138.15 | 132.35 | 126.45 | 120.65 | 114.85 | 108.95 | +4.5 % |
| [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) | 144.85 | 139.05 | 133.25 | 127.35 | 121.55 | 115.75 | 109.85 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 144.85 | 139.05 | 133.25 | 127.35 | 121.55 | 115.75 | 109.85 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 146.55 | 140.75 | 134.95 | 129.05 | 123.25 | 117.45 | 111.55 | +10.3 % |
| [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) | 149.85 | 144.05 | 138.25 | 132.35 | 126.55 | 120.75 | 114.85 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 162.45 | 156.65 | 150.85 | 144.95 | 139.15 | 133.35 | 127.45 | +10.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 100.75 | — | 89.15 | — | 77.45 | — | 65.75 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 100.75 | — | 89.15 | — | 77.45 | — | 65.75 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 100.75 | — | 89.15 | — | 77.45 | — | 65.75 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 101.15 | 95.35 | 89.55 | 83.65 | 77.85 | — | 66.15 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 101.75 | 95.95 | 90.15 | 84.25 | 78.45 | — | 66.75 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 102.15 | — | 92.85 | — | 83.45 | — | 74.15 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 102.45 | — | 90.85 | — | 79.15 | — | 67.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 103.15 | 97.35 | 91.55 | 85.65 | 79.85 | — | 68.15 | — |
| [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) | 103.45 | — | 94.05 | — | 84.55 | — | 75.15 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 106.35 | 100.55 | 94.75 | 88.85 | 83.05 | — | 71.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 108.85 | — | 98.95 | — | 89.05 | — | 79.05 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 110.15 | — | 100.15 | — | 90.15 | — | 80.05 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.45 | — | 100.85 | — | 89.15 | — | 77.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.95 | 107.15 | 101.35 | 95.45 | 89.65 | — | 77.95 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 113.75 | — | — | 96.25 | — | — | 78.75 | — |
| [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 | 115.45 | — | 105.05 | — | 94.55 | — | 83.95 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 116.95 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 118.95 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 119.45 | — | — | 101.95 | — | — | 84.45 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 122.45 | 116.65 | 110.85 | — | 99.15 | — | 87.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.35 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 123.35 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 123.35 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 123.35 | — | 111.75 | — | 100.05 | — | 88.35 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.95 | — | — | 106.45 | — | — | 88.95 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 124.65 | 118.85 | 113.05 | — | 101.35 | — | 89.65 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 128.35 | 122.55 | 116.75 | — | 105.05 | — | 93.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.85 | — | 117.25 | — | 105.55 | — | 93.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 134.45 | — | 122.75 | — | 111.05 | — | 99.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 136.05 | — | 124.35 | — | 112.65 | — | 101.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 136.05 | — | 124.35 | — | 112.65 | — | 101.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 136.05 | — | 124.35 | — | 112.65 | — | 101.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 139.25 | — | 127.55 | — | 115.85 | — | 104.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.45 | 135.65 | 129.85 | — | 118.15 | — | 106.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 155.15 | — | 143.55 | — | 131.85 | — | 120.15 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Ferrera for a child aged 0 to 18 with a deductible of 500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/), the cheapest offer in [Ferrera](https://praemiencheck.onedoc.ch/en/gr/ferrera/) is vita surselva (Sparmed) at 59.50 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/), monthly premiums run from 59.50 CHF (vita surselva, Sparmed) to 133.35 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: 100.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (vita surselva, Sparmed), the premium goes from 88.35 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/deductible-0/) to 53.90 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/deductible-600/): 34.45 CHF less a month, 413.40 CHF a year. The 600 CHF deductible stays worthwhile up to around 459 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Ferrera 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 500 CHF and with accident cover, the cheapest premium per model is: standard model 64.85 CHF (vita surselva), family doctor / HMO 59.50 CHF (vita surselva), flexible model 63.85 CHF (Assura), telemedicine 62.75 CHF (Assura).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 13 of the 24 insurers present in Ferrera file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 62.85 CHF | 21.05 CHF from the 3rd child |
| Visana | Managed Care | 77.15 CHF | 25.05 CHF from the 3rd child |
| sana24 | Managed Care | 91.95 CHF | 27.05 CHF from the 3rd child |
| CONCORDIA | HMO | 72.35 CHF | 27.85 CHF from the 3rd child |
| Galenos | Managed Care | 97.35 CHF | 29.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 74.25 CHF | 34.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 81.15 CHF | 38.25 CHF from the 3rd child |
| Assura | MediTel | 62.75 CHF | 61.25 CHF from the 4th child, 59.75 CHF from the 5th child |
| EGK | EGK-TelCare | 76.35 CHF | 66.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 95.05 CHF | 70.15 CHF from the 5th child |
| Groupe Mutuel – Philos | OptiMed (Healthcare network) | 95.75 CHF | 70.65 CHF from the 5th child |
| SLKK | SmartMed | 83.35 CHF | 72.05 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 115.75 CHF | 85.65 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 64.25 CHF at vita surselva (Sparmed) gives 59.50 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: Ferrera is in region 3 of canton Graubünden.
- 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/gr/ferrera/child/with-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/gr/ferrera/child/with-accident/deductible-0/ — replace `gr` with your canton’s two-letter code (ge, vd, zh…), `ferrera` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-600` for another deductible. Markdown version: add `.md`.