# Health insurance premiums 2027 in Schongau (LU), for a child aged 0 to 18, deductible of 0 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Schongau](https://praemiencheck.onedoc.ch/en/lu/schongau/) ([canton Lucerne](https://praemiencheck.onedoc.ch/en/lu/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/schongau/child/) with a 0 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/), the cheapest monthly basic insurance premium is **96.70 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 158.20 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (0 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 96.70 | — | 86.60 | 81.60 | 76.60 | 71.40 | 66.40 | +6.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 101.00 | — | 91.70 | — | 82.30 | — | 73.00 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 101.70 | — | 90.10 | — | 78.40 | — | 66.70 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 102.30 | 96.50 | 90.70 | 84.80 | 79.00 | — | 67.30 | +6.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 102.30 | — | 91.60 | 86.30 | 81.00 | 75.60 | 70.30 | +6.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 102.50 | 96.70 | 90.90 | 85.00 | 79.20 | 73.40 | 67.50 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 102.90 | — | 92.10 | 86.80 | 81.40 | 76.00 | 70.70 | +5.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 103.50 | 97.70 | 91.85 | 86.00 | 80.20 | 74.35 | 68.50 | +3.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 104.00 | — | 92.40 | — | 80.70 | — | 69.00 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 104.00 | — | 92.40 | — | 80.70 | — | 69.00 | +3.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 104.40 | 98.60 | 92.80 | 86.90 | 81.10 | 75.30 | 69.40 | +2.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 104.65 | 98.80 | 92.95 | 87.15 | 81.30 | 75.45 | 69.65 | +3.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 104.70 | — | 95.10 | — | 85.40 | — | 75.70 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 105.40 | — | — | — | — | 76.30 | — | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 105.70 | — | 94.10 | — | 82.40 | — | 70.70 | New tariff 2027 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 106.70 | 101.30 | 96.00 | 90.50 | 85.20 | 80.00 | 74.40 | +3.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 106.70 | 101.30 | 96.00 | 90.50 | 85.20 | 80.00 | 74.40 | +3.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 106.70 | 100.90 | 95.10 | 89.20 | 83.40 | 77.60 | 71.70 | +5.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 106.80 | 101.00 | 95.20 | 89.30 | 83.50 | 77.70 | 71.80 | +3.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 107.30 | — | 97.40 | — | 87.50 | — | 77.50 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 107.30 | 101.50 | 95.70 | 89.80 | 84.00 | 78.20 | 72.30 | +5.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 108.30 | 102.50 | 96.70 | 90.80 | 85.00 | 79.20 | — | +4.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 108.50 | 103.40 | 98.40 | 93.30 | 88.20 | 81.20 | — | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 108.50 | — | 98.60 | — | 88.50 | — | 78.40 | +3.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 108.90 | 103.10 | 97.30 | 91.40 | 85.60 | — | 73.90 | +7.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 109.00 | 103.20 | 97.40 | 91.50 | 85.70 | 79.90 | — | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 109.10 | — | — | — | — | 80.00 | — | +3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 109.10 | — | — | — | — | 80.00 | — | +3.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 109.80 | 104.00 | 98.20 | 92.30 | 86.50 | 80.70 | 74.80 | +2.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.15 | 104.30 | 98.45 | 92.65 | 86.80 | 80.95 | 75.15 | +3.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 110.40 | — | — | — | — | 81.30 | — | +4.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 110.90 | 105.10 | 99.30 | 93.40 | 87.60 | 81.80 | 75.90 | +5.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.80 | — | 100.10 | 94.30 | 88.50 | 82.60 | 76.80 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 112.00 | 106.90 | 101.80 | 96.60 | 91.80 | 86.40 | 81.20 | +5.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 112.90 | — | — | — | — | 83.80 | — | +4.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 113.40 | 107.60 | 101.80 | 96.00 | 90.10 | 84.30 | — | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 113.60 | — | 103.10 | — | 92.60 | — | 82.10 | +3.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 114.20 | 108.40 | 102.60 | 96.70 | 90.90 | — | 79.20 | +7.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 114.50 | 109.30 | 104.10 | 98.80 | 93.80 | 88.30 | 83.00 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 114.50 | 108.70 | 102.90 | 97.00 | 91.20 | 85.40 | 79.50 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 114.50 | 108.70 | 102.90 | 97.00 | 91.20 | 85.40 | 79.50 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 114.80 | 108.90 | 103.10 | 97.30 | 91.40 | 85.60 | 79.80 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 114.90 | 109.10 | 103.30 | 97.40 | 91.60 | — | 79.90 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 115.40 | — | — | — | — | 86.30 | — | +2.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 115.40 | — | — | — | — | 86.30 | — | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.50 | — | 103.90 | — | 92.20 | — | 80.50 | +3.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 115.80 | 110.50 | 105.30 | 99.90 | 94.90 | 89.30 | 84.00 | +5.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.90 | 110.10 | 104.30 | 98.40 | 92.60 | 86.80 | 80.90 | +3.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 117.70 | 111.80 | 106.00 | 100.20 | 94.30 | 88.50 | 82.70 | +7.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 118.80 | 114.05 | 108.10 | 102.15 | 96.25 | 90.30 | 84.35 | +2.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 119.70 | 113.90 | 108.10 | 102.20 | 96.40 | 90.60 | 84.70 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 119.70 | 113.90 | 108.10 | 102.20 | 96.40 | 90.60 | 84.70 | +1.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.30 | 114.50 | 108.70 | 102.80 | 97.00 | — | 85.30 | +7.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 120.40 | 114.60 | 108.80 | 102.90 | 97.10 | 91.30 | 85.40 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 120.50 | 114.70 | 108.85 | 103.00 | 97.20 | 91.35 | 85.50 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.50 | 114.70 | 108.90 | 103.00 | 97.20 | 91.40 | 85.50 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 121.00 | 115.20 | 109.40 | 103.50 | 97.70 | 91.90 | 86.00 | +1.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 121.10 | 115.30 | 109.50 | 103.60 | 97.80 | 92.00 | 86.10 | +2.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 121.75 | 115.95 | 110.10 | 104.25 | 98.45 | 92.60 | 86.75 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 121.75 | 115.95 | 110.10 | 104.25 | 98.45 | 92.60 | 86.75 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 121.75 | 115.95 | 110.10 | 104.25 | 98.45 | 92.60 | 86.75 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 121.75 | 115.95 | 110.10 | 104.25 | 98.45 | 92.60 | 86.75 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 121.75 | 115.95 | 110.10 | 104.25 | 98.45 | 92.60 | 86.75 | New tariff 2027 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 121.80 | 116.00 | 110.20 | 104.30 | 98.50 | 92.70 | 86.80 | +5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 121.80 | 116.00 | 110.20 | 104.30 | 98.50 | 92.70 | 86.80 | +5.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.00 | 116.20 | 110.40 | 104.50 | 98.70 | 92.90 | 87.00 | +2.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.80 | 117.00 | 111.20 | 105.30 | 99.50 | 93.70 | — | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 123.00 | 117.20 | 111.35 | 105.50 | 99.70 | 93.85 | 88.00 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 123.30 | 117.50 | 111.70 | — | 100.00 | — | 88.30 | +3.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 123.30 | 117.50 | 111.70 | — | 100.00 | — | 88.30 | +3.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 123.30 | — | 119.20 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 123.50 | 117.70 | 111.90 | 106.00 | 100.20 | 94.40 | 88.50 | +6.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 123.70 | 117.90 | 112.10 | 106.20 | 100.40 | 94.60 | 88.70 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 123.90 | — | — | 106.40 | — | — | 88.90 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 124.20 | 118.40 | 112.60 | 106.70 | 100.90 | 95.10 | 89.20 | +6.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 124.60 | 118.80 | 113.00 | 107.20 | 101.30 | 95.50 | — | +4.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 124.70 | 118.90 | 113.00 | 107.20 | 101.40 | 95.50 | 89.70 | +7.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 124.90 | 119.10 | 113.30 | 107.40 | 101.60 | 95.80 | 89.90 | +6.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 124.90 | 119.10 | 113.30 | 107.40 | 101.60 | 95.80 | 89.90 | +6.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.00 | 120.00 | 113.75 | 107.50 | 102.50 | 96.25 | 90.00 | +2.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 125.20 | 119.40 | 113.60 | 107.70 | 101.90 | 96.10 | 90.20 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.50 | 119.70 | 113.85 | 108.00 | 102.20 | 96.35 | 90.50 | +4.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.50 | — | — | — | — | 96.40 | — | +1.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 125.80 | 120.00 | 114.20 | 108.30 | 102.50 | 96.70 | 90.80 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 126.00 | 120.20 | 114.40 | — | 102.70 | — | 91.00 | +3.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.20 | — | 114.60 | — | 102.90 | — | 91.20 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.30 | 121.50 | 115.70 | 109.80 | 104.30 | 98.20 | 92.30 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 127.30 | 121.50 | 115.60 | 109.80 | 104.00 | 98.10 | 92.30 | +7.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 127.70 | 121.90 | 116.10 | — | 104.40 | — | 92.70 | +3.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 128.10 | — | 124.00 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 129.90 | — | — | 112.40 | — | — | 94.90 | +4.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 132.90 | — | 125.40 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.70 | 127.90 | 122.10 | 116.20 | 110.40 | 104.60 | 98.70 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.60 | — | — | 117.20 | — | — | 99.60 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.30 | 129.50 | 123.70 | 117.80 | 112.00 | 106.20 | 100.30 | +5.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.70 | 130.00 | 126.70 | 118.20 | 112.40 | 106.70 | 100.70 | +5.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 135.90 | 130.00 | 124.20 | 118.40 | 112.50 | 106.70 | 100.90 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 136.20 | 130.30 | 124.50 | 118.70 | 112.80 | 107.00 | 101.20 | +2.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.00 | — | 125.40 | — | 113.70 | — | 102.00 | +8.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 137.00 | — | 125.40 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 137.00 | — | 125.40 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 137.00 | — | 125.40 | — | 113.70 | — | 102.00 | New tariff 2027 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.20 | 131.40 | 125.60 | 119.70 | 113.90 | 108.10 | 102.20 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.40 | 132.50 | 126.70 | 120.90 | 115.00 | 109.20 | 103.40 | +2.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.50 | 132.70 | 126.90 | — | 115.20 | — | 103.50 | +3.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 139.20 | — | 127.50 | — | 115.90 | — | 104.20 | +9.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 140.30 | 134.40 | 128.60 | 122.80 | 116.90 | 111.10 | 105.30 | +6.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 140.80 | — | 129.10 | — | 117.40 | — | 105.80 | +9.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 140.80 | — | 129.10 | — | 117.40 | — | 105.80 | +9.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 140.80 | — | 129.10 | — | 117.40 | — | 105.80 | +9.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 140.80 | — | 129.10 | — | 117.40 | — | 105.80 | +9.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 143.20 | 137.30 | 131.50 | 125.70 | 119.80 | 114.00 | 108.20 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 143.20 | 137.30 | 131.50 | 125.70 | 119.80 | 114.00 | 108.20 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 143.20 | 137.30 | 131.50 | 125.70 | 119.80 | 114.00 | 108.20 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.60 | 138.80 | 132.90 | 127.10 | 121.30 | 115.40 | 109.60 | +7.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 144.60 | 138.80 | 133.00 | 127.10 | 121.30 | 115.50 | 109.60 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 144.60 | 138.80 | 133.00 | 127.10 | 121.30 | 115.50 | 109.60 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 144.60 | 138.80 | 133.00 | 127.10 | 121.30 | 115.50 | 109.60 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 144.60 | 138.80 | 133.00 | 127.10 | 121.30 | 115.50 | 109.60 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 144.60 | 138.80 | 133.00 | 127.10 | 121.30 | 115.50 | 109.60 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 146.10 | 140.20 | 134.40 | 128.60 | 122.70 | 116.90 | 111.10 | +6.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.20 | — | 146.50 | — | 134.80 | — | 123.20 | +9.4 % |

\* insurer’s default model

## Frequently asked questions

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

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/), the cheapest offer in [Schongau](https://praemiencheck.onedoc.ch/en/lu/schongau/) is Agrisano (AGRIsmart) at 96.70 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Luzerner Hinterland (Standard model) at 110.15 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/lu/schongau/child/) with a deductible of 0 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/), monthly premiums run from 96.70 CHF (Agrisano, AGRIsmart) to 158.20 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: 102.40 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 96.70 CHF a month with the 0 CHF deductible to 66.40 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-600/): 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 Schongau 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 110.15 CHF (Krankenkasse Luzerner Hinterland), family doctor / HMO 101.70 CHF (ÖKK), flexible model 104.00 CHF (ÖKK), telemedicine 96.70 CHF (Agrisano).

### Does a second or third child pay less in Schongau?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 16 of the 25 insurers present in Schongau 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 | 96.70 CHF | 43.90 CHF from the 3rd child |
| Galenos | Managed Care | 114.80 CHF | 46.00 CHF from the 3rd child |
| Visana | Managed Care | 124.70 CHF | 52.20 CHF from the 3rd child |
| sana24 | Managed Care | 135.90 CHF | 52.50 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 106.70 CHF | 53.40 CHF from the 3rd child |
| CONCORDIA | HMO | 104.40 CHF | 53.60 CHF from the 3rd child |
| Aquilana | SMARTMED | 108.50 CHF | 54.30 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 123.30 CHF | 54.30 CHF from the 3rd child |
| rhenusana | sanmed24 | 123.90 CHF | 62.00 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 103.50 CHF | 71.45 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 119.70 CHF | 89.80 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 120.40 CHF | 90.30 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 123.50 CHF | 92.60 CHF from the 5th child |
| EGK | EGK-Care | 108.30 CHF | 99.20 CHF from the 3rd child |
| Assura | MediTel | 102.50 CHF | 100.90 CHF from the 4th child, 99.40 CHF from the 5th child |
| SLKK | SmartMed | 112.00 CHF | 100.80 CHF from the 3rd 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Schongau is in region 3 of canton Lucerne.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Schongau (LU): every situation: https://praemiencheck.onedoc.ch/en/lu/schongau/
- Premiums 2027 in Schongau (LU), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/lu/schongau/child/
- Premiums 2027 in Schongau (LU), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/lu/schongau/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/lu/schongau/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/no-accident/deductible-0/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-100/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-300/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-400/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-500/
- Deductible Premiums 2027 in Schongau (LU), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/lu/schongau/child/with-accident/deductible-0/ — replace `lu` with your canton’s two-letter code (ge, vd, zh…), `schongau` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-0` with `deductible-600` for another deductible. Markdown version: add `.md`.