Health insurance premiums 2026 in Mesocco (GR)For a child aged 0 to 18 without accident cover
From 59.25 to 154.55 CHF a month depending on the deductible and the model
116 offers from 24 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  CSS | Hausarztversicherung Profit | 91.85 | 86.45 | 81.05 | 75.55 | 70.15 | — | 59.25 |
| 2 |  KPT | KPTwin.smart | 91.95 | — | 83.35 | — | 74.65 | — | 65.95 |
| 3 |  vita surselva | Sparmed | 94.00 | 89.05 | 83.10 | 77.15 | 71.20 | 65.25 | 59.30 |
| 4 | KPT | KPTwin.plus | 95.65 | — | 86.65 | — | 77.65 | — | 68.65 |
| 5 |  Helsana | BeneFit PLUS Hausarzt R1 | 97.25 | — | — | — | — | 70.25 | — |
| 6 | Helsana | BeneFit PLUS Flexmed R1 | 97.25 | — | — | — | — | 70.25 | — |
| 7 | Helsana | BeneFit PLUS Telmed | 97.25 | — | — | — | — | 70.25 | — |
| 8 | CSS | Callmed | 97.45 | 92.05 | 86.65 | 81.15 | 75.75 | — | 64.85 |
| 9 | KPT | KPTwin.doc | 98.05 | — | 88.85 | — | 79.65 | — | 70.35 |
| 10 |  ÖKK | Family doctor | 98.45 | — | 87.65 | — | 76.75 | — | 65.85 |
| 11 | ÖKK | HMO model | 98.45 | — | 87.65 | — | 76.75 | — | 65.85 |
| 12 | ÖKK | Select | 98.45 | — | 87.65 | — | 76.75 | — | 65.85 |
| 13 | Helsana | BeneFit PLUS Hausarzt R2 | 98.55 | — | — | — | — | 71.45 | — |
| 14 | vita surselva | Standard model | 99.20 | 94.00 | 87.75 | 82.50 | 76.25 | 72.10 | 65.80 |
| 15 | KPT | KPTwin.easy | 99.25 | — | 89.95 | — | 80.65 | — | 71.25 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Mesocco, without accident cover, the cheapest health insurance premium is:
- 91.85 CHF a month with a 0 CHF deductible (CSS, Hausarztversicherung Profit)
- 59.25 CHF a month with a 600 CHF deductible (CSS, Hausarztversicherung Profit)
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Frequently asked questions
Which health insurance is the cheapest in Mesocco for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Mesocco is CSS (Hausarztversicherung Profit) at 91.85 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 99.20 CHF a month.
How much does health insurance cost in Mesocco in 2026 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 91.85 CHF (CSS, Hausarztversicherung Profit) to 154.55 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 Mesocco for a child aged 0 to 18 without accident cover?
On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 91.85 CHF a month with the 0 CHF deductible to 59.25 CHF with the 600 CHF deductible: 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Mesocco 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 99.20 CHF (vita surselva), family doctor / HMO 91.85 CHF (CSS), flexible model 97.25 CHF (Helsana), telemedicine 91.95 CHF (KPT).
Does a second or third child pay less in Mesocco?
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 Mesocco file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Visana | Managed Care | 110.55 CHF | 43.35 CHF from the 3rd child |
| Agrisano | AGRIcontact | 101.95 CHF | 43.45 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 111.45 CHF | 43.45 CHF from the 3rd child |
| CONCORDIA | HMO | 100.45 CHF | 47.35 CHF from the 3rd child |
| sana24 | Managed Care without capitation | 131.05 CHF | 47.45 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 101.55 CHF | 48.25 CHF from the 3rd child |
| Galenos | Managed Care | 130.05 CHF | 49.15 CHF from the 3rd child |
| Aquilana | SMARTMED | 103.55 CHF | 49.25 CHF from the 3rd child |
| rhenusana | sanmed24 | 113.55 CHF | 54.25 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 117.45 CHF | 86.85 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 119.15 CHF | 88.15 CHF from the 5th child |
| EGK | EGK-TelCare | 106.55 CHF | 91.05 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 130.35 CHF | 96.45 CHF from the 5th child |
| Assura | Qualimed | 102.45 CHF | 100.75 CHF from the 4th child, 99.05 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 122.95 CHF | 110.15 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 97.00 CHF at CSS (Hausarztversicherung Profit) gives 91.85 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.
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.