# Health insurance premiums 2027 in S-chanf (GR), for a child aged 0 to 18, deductible of 500 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [S-chanf](https://praemiencheck.onedoc.ch/en/gr/s-chanf/) ([canton Graubünden](https://praemiencheck.onedoc.ch/en/gr/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/no-accident/), the cheapest monthly basic insurance premium is **61.75 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 129.35 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) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 85.65 | — | 76.05 | 71.35 | 66.55 | 61.75 | 57.05 | +4.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 91.85 | 86.45 | 81.05 | 75.55 | 70.15 | 64.75 | 59.25 | New tariff 2027 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 93.45 | 88.55 | 82.65 | 76.75 | 70.90 | 65.00 | 59.05 | +4.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 90.95 | — | 80.75 | 75.75 | 70.65 | 65.55 | 60.55 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 92.95 | 87.55 | 82.15 | 76.65 | 71.25 | 65.85 | 60.35 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 92.95 | 87.55 | 82.15 | 76.65 | 71.25 | 65.85 | 60.35 | +2.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 91.45 | — | 81.25 | 76.15 | 71.15 | 65.95 | 60.85 | +4.1 % |
| [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 | 93.65 | — | — | — | — | 66.55 | — | +2.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 93.65 | — | — | — | — | 66.55 | — | +2.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 93.95 | 88.55 | 83.15 | 77.65 | 72.35 | 66.95 | 61.45 | +2.7 % |
| [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 | 94.85 | — | — | — | — | 67.75 | — | +2.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 95.95 | — | — | — | — | 68.85 | — | +5.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 98.65 | 93.45 | 87.25 | 82.10 | 75.85 | 69.70 | 64.55 | +3.0 % |
| [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 R3 | 97.05 | — | — | — | — | 69.95 | — | +0.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 97.25 | 91.85 | 86.45 | 80.95 | 75.55 | 70.15 | 64.65 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 97.25 | 91.85 | 86.45 | 80.95 | 75.55 | 70.15 | 64.65 | +2.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 99.85 | — | 88.75 | 83.25 | 77.75 | 72.15 | 66.55 | +4.2 % |
| [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 | 99.25 | — | — | — | — | 72.25 | — | +0.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 99.25 | — | — | — | — | 72.25 | — | −1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 100.15 | 94.75 | 89.25 | 83.65 | 78.15 | 72.65 | 67.15 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 100.85 | 95.35 | 89.85 | 84.35 | 78.85 | 73.35 | 67.75 | +4.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 99.65 | 94.65 | 89.65 | 84.55 | 79.65 | 74.75 | 69.65 | +6.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 99.65 | 94.65 | 89.65 | 84.55 | 79.65 | 74.75 | 69.65 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.55 | 97.15 | 91.75 | 86.25 | 80.85 | 75.45 | 69.95 | +2.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 101.75 | 97.05 | 92.35 | 87.65 | 82.85 | 76.25 | — | +7.3 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 101.35 | 100.35 | 98.65 | 90.65 | 81.55 | 76.25 | 70.75 | +5.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 103.85 | 98.35 | 92.95 | 87.35 | 81.85 | 76.35 | 70.85 | +4.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 104.15 | 98.75 | 93.35 | 87.85 | 82.35 | 76.95 | — | −19.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 104.15 | 98.75 | 93.35 | 87.95 | 82.45 | 77.05 | — | +7.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 108.05 | 102.55 | 97.15 | 91.65 | 86.25 | 80.75 | 75.35 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 108.05 | 102.55 | 97.15 | 91.65 | 86.25 | 80.75 | 75.35 | +4.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.35 | — | — | — | — | 81.35 | — | −0.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.65 | 103.25 | 97.85 | 92.35 | 86.95 | 81.65 | 76.15 | +6.5 % |
| [curaulta](https://www.curaulta.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.05 | 107.05 | 105.25 | 96.85 | 87.25 | 81.85 | 76.45 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 110.65 | 105.25 | 99.75 | 94.35 | 88.85 | 83.45 | 77.95 | +4.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 110.65 | 105.25 | 99.75 | 94.35 | 88.85 | 83.45 | 77.95 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 113.95 | 108.55 | 103.10 | 97.65 | 92.25 | 86.80 | 81.35 | +6.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 115.15 | 109.75 | 104.30 | 98.85 | 93.45 | 88.00 | 82.60 | +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 | 115.15 | 109.75 | 104.30 | 98.85 | 93.45 | 88.00 | 82.60 | +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 | 115.15 | 109.75 | 104.30 | 98.85 | 93.45 | 88.00 | 82.60 | +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 | 115.15 | 109.75 | 104.30 | 98.85 | 93.45 | 88.00 | 82.60 | +6.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 115.15 | 109.75 | 104.30 | 98.85 | 93.45 | 88.00 | 82.60 | +6.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 112.25 | 107.55 | 102.85 | 98.05 | 93.65 | 88.75 | 83.95 | −2.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.15 | 110.65 | 105.25 | 99.85 | 94.35 | 88.95 | — | −17.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 116.05 | 110.65 | 105.25 | 99.75 | 94.35 | 88.95 | — | −17.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 116.40 | 111.00 | 105.55 | 100.15 | 94.75 | 89.30 | 83.85 | +6.6 % |
| [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) | 117.15 | 111.75 | 106.35 | 100.85 | 95.45 | 90.05 | 84.55 | +5.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 117.15 | 111.75 | 106.35 | 100.85 | 95.45 | 90.05 | 84.55 | +7.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 117.15 | 111.75 | 106.35 | 100.85 | 95.45 | 90.05 | 84.55 | +5.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.55 | 112.15 | 106.75 | 101.35 | 95.85 | 90.45 | — | +7.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.95 | 112.45 | 106.95 | 101.45 | 95.95 | 90.45 | 84.85 | +3.8 % |
| [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) | 117.75 | 112.35 | 106.95 | 101.45 | 96.05 | 90.65 | 85.25 | +1.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 118.45 | 113.05 | 107.65 | 102.15 | 96.75 | 91.35 | 85.85 | +1.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.90 | 113.50 | 108.05 | 102.60 | 97.20 | 91.75 | 86.30 | +6.6 % |
| [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) | 119.15 | 113.75 | 108.35 | 102.85 | 97.45 | 92.05 | 86.55 | +1.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 119.15 | 113.75 | 108.35 | 102.85 | 97.45 | 92.05 | 86.55 | +1.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 117.65 | 112.75 | 107.85 | 102.85 | 98.25 | 93.05 | 88.05 | −2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 120.45 | 115.05 | 109.55 | 104.15 | 98.65 | 93.25 | 87.75 | +4.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 119.05 | 114.05 | 109.15 | 104.05 | 99.35 | 94.15 | 89.05 | −2.2 % |
| [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) | 121.25 | 115.85 | 110.45 | 104.95 | 99.55 | 94.15 | 88.65 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 122.75 | 117.35 | 111.85 | 106.45 | 100.95 | 95.55 | 90.05 | +7.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 125.35 | 119.95 | 114.45 | 109.05 | 103.55 | 98.15 | 92.65 | +4.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 125.45 | 119.95 | 114.55 | 109.05 | 103.65 | 98.15 | 92.65 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 125.45 | 119.95 | 114.55 | 109.05 | 103.65 | 98.15 | 92.65 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.45 | 123.95 | 118.55 | 113.05 | 107.65 | 102.15 | 96.75 | +4.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.25 | 125.85 | 120.35 | 114.85 | 109.65 | 103.95 | 98.35 | −2.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 131.25 | 125.75 | 120.35 | 114.85 | 109.45 | 103.95 | 98.55 | +7.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.35 | 125.95 | 120.55 | 115.05 | 109.65 | 104.25 | 98.85 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.45 | 126.05 | 120.65 | 115.15 | 109.75 | 104.35 | 98.85 | +5.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 133.55 | 128.05 | 122.65 | 117.15 | 111.75 | 106.25 | 100.85 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 133.55 | 128.05 | 122.65 | 117.15 | 111.75 | 106.25 | 100.85 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 135.45 | 130.05 | 124.55 | 119.15 | 113.65 | 108.25 | 102.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 135.45 | 130.05 | 124.55 | 119.15 | 113.65 | 108.25 | 102.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 135.45 | 130.05 | 124.55 | 119.15 | 113.65 | 108.25 | 102.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 135.45 | 130.05 | 124.55 | 119.15 | 113.65 | 108.25 | 102.75 | +7.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 136.95 | 131.45 | 125.95 | 120.55 | 115.05 | 109.65 | 104.15 | +7.2 % |
| [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) | 139.55 | 134.15 | 128.75 | 123.25 | 117.85 | 112.45 | 106.95 | +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) | 139.55 | 134.15 | 128.75 | 123.25 | 117.85 | 112.45 | 106.95 | +10.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 141.15 | 135.75 | 130.35 | 124.85 | 119.45 | 114.05 | 108.55 | +10.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 143.85 | 138.45 | 132.95 | 127.55 | 122.05 | 116.65 | 111.15 | +4.5 % |
| [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) | 144.35 | 138.95 | 133.55 | 128.05 | 122.65 | 117.25 | 111.75 | +10.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.45 | 151.05 | 145.65 | 140.15 | 134.75 | 129.35 | 123.85 | +9.9 % |
| [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) | 92.55 | — | 83.95 | — | 75.45 | — | 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 | 93.75 | — | 85.05 | — | 76.45 | — | 67.65 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 97.75 | — | 86.95 | — | 76.15 | — | 65.25 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 97.75 | — | 86.95 | — | 76.15 | — | 65.25 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 97.75 | — | 86.95 | — | 76.15 | — | 65.25 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 99.15 | 93.75 | 88.35 | 82.85 | 77.45 | — | 66.55 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 99.15 | 93.75 | 88.35 | 82.85 | 77.45 | — | 66.55 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 99.45 | — | 88.65 | — | 77.75 | — | 66.95 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 99.65 | 94.25 | 88.85 | 83.45 | 78.05 | — | 67.15 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 99.85 | — | 90.75 | — | 81.45 | — | 72.25 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 101.15 | — | 91.85 | — | 82.45 | — | 73.15 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 105.35 | 100.05 | 94.65 | 89.15 | 83.75 | — | 72.85 | — |
| [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 | 106.15 | — | 96.35 | — | 86.55 | — | 76.85 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 108.65 | — | 104.65 | — | 98.15 | — | 87.25 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.15 | — | 98.35 | — | 87.45 | — | 76.55 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.65 | 105.25 | 99.85 | 94.35 | 88.95 | — | 78.05 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 111.25 | — | — | 94.95 | — | — | 78.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 112.95 | — | 108.95 | — | 98.15 | — | 87.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 116.35 | 110.85 | 105.35 | — | 94.25 | — | 83.15 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 116.95 | — | — | 100.65 | — | — | 84.35 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 118.15 | 112.65 | 107.15 | — | 96.05 | — | 84.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.35 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.85 | — | 108.95 | — | 98.15 | — | 87.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 119.85 | — | 108.95 | — | 98.15 | — | 87.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 119.85 | — | 108.95 | — | 98.15 | — | 87.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 119.85 | — | 108.95 | — | 98.15 | — | 87.25 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.35 | — | — | 105.05 | — | — | 88.75 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 121.85 | 116.35 | 110.85 | — | 99.75 | — | 88.65 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 133.75 | — | 122.85 | — | 112.15 | — | 101.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.15 | 128.65 | 123.15 | — | 112.05 | — | 100.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 135.35 | — | 124.55 | — | 113.65 | — | 102.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 135.35 | — | 124.55 | — | 113.65 | — | 102.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 135.35 | — | 124.55 | — | 113.65 | — | 102.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 138.55 | — | 127.75 | — | 116.85 | — | 105.95 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.45 | — | 143.65 | — | 132.75 | — | 121.85 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in S-chanf for a child aged 0 to 18 with a deductible of 500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/no-accident/), the cheapest offer in [S-chanf](https://praemiencheck.onedoc.ch/en/gr/s-chanf/) is Agrisano (AGRIsmart) at 61.75 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 69.70 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/no-accident/), monthly premiums run from 61.75 CHF (Agrisano, AGRIsmart) to 129.35 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: 106.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in S-chanf for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 85.65 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/no-accident/deductible-0/) to 57.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/gr/s-chanf/child/no-accident/deductible-600/): 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 S-chanf 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 without accident cover, the cheapest premium per model is: standard model 69.70 CHF (vita surselva), family doctor / HMO 65.00 CHF (vita surselva), flexible model 65.85 CHF (Assura), telemedicine 61.75 CHF (Agrisano).

### Does a second or third child pay less in S-chanf?

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 S-chanf file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 61.75 CHF | 20.45 CHF from the 3rd child |
| Visana | Managed Care | 80.75 CHF | 25.45 CHF from the 3rd child |
| sana24 | Managed Care | 95.55 CHF | 27.45 CHF from the 3rd child |
| CONCORDIA | HMO | 72.65 CHF | 27.65 CHF from the 3rd child |
| Galenos | Managed Care | 93.25 CHF | 28.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 74.75 CHF | 35.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 76.25 CHF | 35.75 CHF from the 3rd child |
| Assura | MediTel | 64.75 CHF | 63.25 CHF from the 4th child, 61.75 CHF from the 5th child |
| Groupe Mutuel – Philos | OptiMed (Healthcare network) | 90.05 CHF | 66.35 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 90.65 CHF | 66.85 CHF from the 5th child |
| EGK | EGK-TelCare | 76.95 CHF | 67.15 CHF from the 3rd child |
| SLKK | SmartMed | 88.75 CHF | 77.05 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 112.45 CHF | 83.15 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 66.50 CHF at Agrisano (AGRIsmart) gives 61.75 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: S-chanf is in region 2 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/s-chanf/child/no-accident/deductible-0/

## Related pages

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

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