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117 offersfrom 24 health insurers

Child (0 to 18) · with accident cover · deductible of 0 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Urmein (canton Graubünden), in 2027, for a child aged 0 to 18 with a 0 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 92.80 CHF with Agrisano (AGRIsmart model) and the most expensive is 167.20 CHF with Groupe Mutuel – Avenir (Standard model).

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Frequently asked questions

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

In 2027, with accident cover, the cheapest offer in Urmein is Agrisano (AGRIsmart) at 92.80 CHF a month. The cheapest standard model (free choice of doctor) is vita surselva (Standard model) at 98.00 CHF a month.

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

For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 92.80 CHF (Agrisano, AGRIsmart) to 167.20 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: 105.20 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 92.80 CHF a month with the 0 CHF deductible to 62.50 CHF with the 600 CHF deductible: 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Urmein 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 with accident cover, the cheapest premium per model is: standard model 98.00 CHF (vita surselva), family doctor / HMO 93.10 CHF (vita surselva), flexible model 97.70 CHF (Assura), telemedicine 92.80 CHF (Agrisano).

Does a second or third child pay less in Urmein?

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 Urmein file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart92.80 CHF42.20 CHF from the 3rd child
VisanaManaged Care111.10 CHF46.50 CHF from the 3rd child
sana24Managed Care125.80 CHF48.60 CHF from the 3rd child
CONCORDIAHMO106.20 CHF52.70 CHF from the 3rd child
GalenosManaged Care131.20 CHF52.70 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor105.80 CHF52.90 CHF from the 3rd child
SWICAFavorit Multichoice121.70 CHF53.60 CHF from the 3rd child
AquilanaSMARTMED113.20 CHF56.60 CHF from the 3rd child
rhenusanasanmed24118.50 CHF59.30 CHF from the 3rd child
AssuraMediTel96.60 CHF95.10 CHF from the 4th child, 93.60 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)128.90 CHF96.70 CHF from the 5th child
Groupe Mutuel – PhilosOptiMed (Healthcare network)129.60 CHF97.20 CHF from the 5th child
EGKEGK-TelCare110.20 CHF100.10 CHF from the 3rd child
SLKKSmartMed113.10 CHF101.80 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)149.60 CHF112.20 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.