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Health insurance premiums 2026 in Horw (LU) For a child aged 0 to 18, deductible of 400 CHF, without accident cover

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122 offersfrom 25 health insurers

Child (0 to 18) · without accident cover · deductible of 400 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Horw (canton Lucerne), in 2026, for a child aged 0 to 18 with a 400 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 71.75 CHF with ÖKK (HMO model model) and the most expensive is 119.95 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Horw for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in Horw is ÖKK (HMO model) at 71.75 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 83.95 CHF a month.

How much does health insurance cost in Horw in 2026 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 400 CHF and without accident cover, monthly premiums run from 71.75 CHF (ÖKK, HMO model) to 119.95 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).

Is a deductible of 0 CHF or 600 CHF better in Horw for a child aged 0 to 18 without accident cover?

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.

Which model is the cheapest in Horw 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 400 CHF and without accident cover, the cheapest premium per model is: standard model 83.95 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 71.75 CHF (ÖKK), flexible model 74.05 CHF (ÖKK), telemedicine 75.75 CHF (ÖKK).

Does a second or third child pay less in Horw?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 25 insurers present in Horw file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIcontact78.55 CHF23.55 CHF from the 3rd child
SWICAFAVORIT MULTICHOICE95.15 CHF25.35 CHF from the 3rd child
VisanaManaged Care91.75 CHF26.15 CHF from the 3rd child
CONCORDIAHMO78.15 CHF28.35 CHF from the 3rd child
GalenosManaged Care90.05 CHF28.75 CHF from the 3rd child
sana24Managed Care100.65 CHF30.45 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor82.95 CHF38.95 CHF from the 3rd child
AquilanaSMARTMED83.25 CHF39.05 CHF from the 3rd child
Krankenkasse Luzerner HinterlandTelemedicine77.25 CHF51.70 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed88.75 CHF65.25 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex89.65 CHF65.95 CHF from the 5th child
Groupe Mutuel – AvenirOptiMed90.25 CHF66.45 CHF from the 5th child
AssuraPharMed75.85 CHF74.15 CHF from the 4th child, 72.55 CHF from the 5th child
SLKKSLKK-SmartMed90.65 CHF79.15 CHF from the 3rd child
EGKEGK-Care106.25 CHF91.65 CHF from the 3rd 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 76.90 CHF at ÖKK (HMO model) gives 71.75 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.