Health insurance premiums 2026 in S-chanf (GR)For an adult aged 26 or over without accident cover
From 280.65 to 571.85 CHF a month depending on the deductible and the model
117 offers from 24 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 391.95 | 382.35 | 358.65 | 334.75 | 310.85 | 287.05 |
| 2 |  ÖKK | Family doctor | 400.05 | 389.25 | 362.05 | 334.95 | 307.85 | 280.65 |
| 3 | ÖKK | HMO model | 400.05 | 389.25 | 362.05 | 334.95 | 307.85 | 280.65 |
| 4 | ÖKK | Select | 400.05 | 389.25 | 362.05 | 334.95 | 307.85 | 280.65 |
| 5 | ÖKK | Telemedicine | 406.75 | 396.05 | 368.85 | 341.65 | 314.65 | 287.45 |
| 6 |  KPT | KPTwin.doc | 411.35 | 400.65 | 373.45 | 346.25 | — | 292.05 |
| 7 |  Sanitas | Family doctor 1 | 412.20 | 401.40 | 374.25 | 347.05 | 319.95 | 292.75 |
| 8 | Sanitas | TelMed (Compact One) | 412.35 | 401.55 | 374.35 | 347.15 | 320.05 | 292.95 |
| 9 | Agrisano | AGRIcontact | 412.65 | 402.55 | 377.65 | 352.55 | 327.45 | 302.35 |
| 10 |  CSS | HMO (health practice) | 413.05 | 402.25 | 375.05 | 347.95 | 320.85 | 293.75 |
| 11 |  SWICA | FAVORIT MULTICHOICE | 413.35 | 402.45 | 380.35 | 353.15 | 321.05 | 293.95 |
| 12 |  Sumiswalder Krankenkasse | Family doctor | 414.05 | 404.05 | 379.05 | 354.15 | 329.25 | 304.35 |
| 13 | Sumiswalder Krankenkasse | Telemedicine | 414.05 | 404.05 | 379.05 | 354.15 | 329.25 | 304.35 |
| 14 |  CONCORDIA | HMO | 415.95 | 405.05 | 377.45 | 349.85 | 322.35 | 294.75 |
| 15 | CONCORDIA | smartDoc | 415.95 | 405.05 | 377.45 | 349.85 | 322.35 | 294.75 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for an adult aged 26 or over in S-chanf, without accident cover, the cheapest health insurance premium is:
- 391.95 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 280.65 CHF a month with a 2'500 CHF deductible (ÖKK, Family doctor)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in S-chanf for an adult aged 26 or over with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in S-chanf is Agrisano (AGRIsmart) at 391.95 CHF a month. The cheapest standard model (free choice of doctor) is ÖKK (Standard model) at 445.05 CHF a month.
How much does health insurance cost in S-chanf in 2026 for an adult aged 26 or over?
For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 391.95 CHF (Agrisano, AGRIsmart) to 571.85 CHF (SLKK, 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: 390.15 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in S-chanf for an adult aged 26 or over without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 391.95 CHF a month with the 300 CHF deductible to 287.05 CHF with the 2'500 CHF deductible: 104.90 CHF less a month, 1'258.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'699 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in S-chanf for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 445.05 CHF (ÖKK), family doctor / HMO 400.05 CHF (ÖKK), flexible model 400.05 CHF (ÖKK), telemedicine 391.95 CHF (Agrisano).
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 397.10 CHF at Agrisano (AGRIsmart) gives 391.95 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.