Health insurance premiums 2026 in Root (LU)For a child aged 0 to 18 with accident cover
From 58.45 to 146.85 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 | 88.55 | — | 78.45 | 73.45 | 68.45 | 63.35 | 58.45 |
| 2 | Agrisano | AGRIcontact | 93.45 | — | 82.85 | 77.55 | 72.35 | 66.95 | 61.75 |
| 3 | Agrisano | AGRIeco | 95.05 | — | 84.25 | 78.95 | 73.65 | 68.15 | 62.85 |
| 4 |  ÖKK | HMO model | 95.75 | — | 84.15 | — | 72.45 | — | 60.75 |
| 5 |  KPT | KPTwin.smart | 96.05 | — | 86.85 | — | 77.45 | — | 68.15 |
| 6 |  CSS | HMO (health practice) | 96.45 | 90.65 | 84.85 | 78.95 | 73.15 | — | 61.45 |
| 7 | CSS | Hausarztversicherung Profit | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | — | 62.25 |
| 8 | KPT | KPTwin.doc | 97.35 | — | 87.95 | — | 78.45 | — | 68.95 |
| 9 | ÖKK | Family doctor | 98.05 | — | 86.45 | — | 74.75 | — | 63.05 |
| 10 | ÖKK | Select | 98.05 | — | 86.45 | — | 74.75 | — | 63.05 |
| 11 |  Krankenkasse Luzerner Hinterland | Telemedicine | 98.35 | 92.50 | 86.70 | 80.85 | 75.00 | 69.20 | 63.35 |
| 12 | Krankenkasse Luzerner Hinterland | Hausmed | 99.45 | 93.60 | 87.80 | 81.95 | 76.10 | 70.30 | 64.45 |
| 13 |  CONCORDIA | HMO | 99.55 | 93.75 | 87.95 | 82.05 | 76.25 | 70.45 | 64.55 |
| 14 | ÖKK | Telemedicine | 99.75 | — | 88.15 | — | 76.45 | — | 64.75 |
| 15 |  Assura | PharMed | 100.05 | 94.25 | 88.45 | 82.55 | 76.75 | 70.95 | 65.05 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Root, with accident cover, the cheapest health insurance premium is:
- 88.55 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 58.45 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Root for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2026, with accident cover, the cheapest offer in Root is Agrisano (AGRIsmart) at 88.55 CHF a month.
How much does health insurance cost in Root in 2026 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 88.55 CHF (Agrisano, AGRIsmart) to 146.85 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: 97.05 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Root for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 88.55 CHF a month with the 0 CHF deductible to 58.45 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Root 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 103.75 CHF (Agrisano), family doctor / HMO 95.05 CHF (Agrisano), flexible model 98.05 CHF (ÖKK), telemedicine 88.55 CHF (Agrisano).
Does a second or third child pay less in Root?
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 Root file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 88.55 CHF | 37.45 CHF from the 3rd child |
| sana24 | VIVA – Gesundheitsplan | 110.85 CHF | 39.75 CHF from the 3rd child |
| Visana | Managed Care | 111.45 CHF | 43.65 CHF from the 3rd child |
| Galenos | Managed Care | 116.85 CHF | 43.75 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 117.95 CHF | 46.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 101.85 CHF | 48.35 CHF from the 3rd child |
| CONCORDIA | HMO | 99.55 CHF | 48.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 102.65 CHF | 48.75 CHF from the 3rd child |
| rhenusana | sanmed24 | 119.55 CHF | 57.25 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 98.35 CHF | 66.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 111.65 CHF | 82.45 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 113.75 CHF | 84.05 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 115.75 CHF | 85.55 CHF from the 5th child |
| EGK | EGK-TelCare | 105.85 CHF | 91.65 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 104.75 CHF | 93.75 CHF from the 3rd child |
| Assura | PharMed | 100.05 CHF | 98.35 CHF from the 4th child, 96.75 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 93.70 CHF at Agrisano (AGRIsmart) gives 88.55 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.