Health insurance premiums 2026 in Fischbach (LU)For a child aged 0 to 18 without accident cover
From 52.05 to 129.35 CHF a month depending on the deductible and the model
123 offers from 25 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 81.45 | — | 71.85 | 67.15 | 62.35 | 57.55 | 52.85 |
| 2 |  CSS | Hausarztversicherung Profit | 84.55 | 79.15 | 73.75 | 68.35 | 62.95 | — | 52.05 |
| 3 |  KPT | KPTwin.smart | 85.15 | — | 76.55 | — | 67.85 | — | 59.15 |
| 4 | Agrisano | AGRIcontact | 85.95 | — | 75.85 | 70.95 | 65.95 | 60.85 | 55.95 |
| 5 |  ÖKK | HMO model | 86.25 | — | 75.45 | — | 64.55 | — | 53.65 |
| 6 | Agrisano | AGRIeco | 87.45 | — | 77.35 | 72.15 | 67.15 | 62.05 | 56.85 |
| 7 | ÖKK | Family doctor | 88.25 | — | 77.45 | — | 66.65 | — | 55.75 |
| 8 | ÖKK | Select | 88.25 | — | 77.45 | — | 66.65 | — | 55.75 |
| 9 | KPT | KPTwin.doc | 88.55 | — | 79.55 | — | 70.55 | — | 61.55 |
| 10 | CSS | Callmed | 88.75 | 83.35 | 77.95 | 72.45 | 67.05 | — | 56.15 |
| 11 |  Krankenkasse Luzerner Hinterland | Telemedicine | 88.85 | 83.40 | 77.90 | 72.40 | 66.95 | 61.45 | 55.95 |
| 12 |  Assura | PharMed | 89.25 | 83.95 | 78.55 | 73.05 | 67.65 | 62.25 | 56.75 |
| 13 | Assura | Qualimed | 89.75 | 84.35 | 78.95 | 73.45 | 68.05 | 62.65 | 57.25 |
| 14 | Krankenkasse Luzerner Hinterland | Hausmed | 89.85 | 84.40 | 78.90 | 73.40 | 67.95 | 62.45 | 56.95 |
| 15 | ÖKK | Telemedicine | 89.85 | — | 79.05 | — | 68.15 | — | 57.35 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Fischbach, without accident cover, the cheapest health insurance premium is:
- 81.45 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 52.05 CHF a month with a 600 CHF deductible (CSS, Hausarztversicherung Profit)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Fischbach 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 Fischbach is Agrisano (AGRIsmart) at 81.45 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 94.85 CHF a month.
How much does health insurance cost in Fischbach 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 81.45 CHF (Agrisano, AGRIsmart) to 129.35 CHF (Sympany, Standard model): 123 offers from 25 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: 92.15 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Fischbach for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 81.45 CHF a month with the 0 CHF deductible to 52.85 CHF with the 600 CHF deductible: 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 Fischbach 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 94.85 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 84.55 CHF (CSS), flexible model 88.25 CHF (ÖKK), telemedicine 81.45 CHF (Agrisano).
Does a second or third child pay less in Fischbach?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 16 of the 25 insurers present in Fischbach 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 |
|---|---|---|---|
| Agrisano | AGRIsmart | 81.45 CHF | 34.25 CHF from the 3rd child |
| sana24 | VIVA – Gesundheitsplan | 98.85 CHF | 35.05 CHF from the 3rd child |
| Galenos | Managed Care | 97.05 CHF | 35.85 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 100.15 CHF | 38.75 CHF from the 3rd child |
| Visana | Managed Care | 103.65 CHF | 40.45 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 91.15 CHF | 43.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 91.45 CHF | 43.15 CHF from the 3rd child |
| CONCORDIA | HMO | 91.15 CHF | 44.35 CHF from the 3rd child |
| rhenusana | sanmed24 | 105.65 CHF | 50.25 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 88.85 CHF | 59.75 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 101.35 CHF | 74.75 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 102.35 CHF | 75.45 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 104.95 CHF | 77.45 CHF from the 5th child |
| EGK | EGK-Care | 92.15 CHF | 79.75 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 94.75 CHF | 84.75 CHF from the 3rd child |
| Assura | PharMed | 89.25 CHF | 87.75 CHF from the 4th child, 86.35 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 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 86.60 CHF at Agrisano (AGRIsmart) gives 81.45 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.