Health insurance premiums 2026 in Horw (LU)For a child aged 0 to 18 without accident cover

In 2026, without accident cover, the cheapest offer in Horw is ÖKK (HMO model) at 93.35 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 105.85 CHF a month.

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 93.35 CHF (ÖKK, HMO model) to 141.75 CHF (Sympany, Standard model): 122 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: 106.45 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (ÖKK, HMO model), the premium goes from 93.35 CHF a month with the 0 CHF deductible to 60.85 CHF with the 600 CHF deductible: 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

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 105.85 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 93.35 CHF (ÖKK), flexible model 95.75 CHF (ÖKK), telemedicine 95.85 CHF (Helsana).

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 Horw file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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 98.50 CHF at ÖKK (HMO model) gives 93.35 CHF after redistribution.

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.