# Health insurance premiums 2027 in Le Locle (NE), for a child aged 0 to 18, deductible of 600 CHF, with accident cover

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

In [Le Locle](https://praemiencheck.onedoc.ch/en/ne/le-locle/) ([canton Neuchâtel](https://praemiencheck.onedoc.ch/en/ne/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/) with a 600 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/with-accident/), the cheapest monthly basic insurance premium is **99.50 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 211.40 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 (600 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 128.40 | — | 118.70 | 113.90 | 109.10 | 104.30 | 99.50 | +0.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 135.00 | 129.20 | 123.40 | 117.50 | 111.70 | 105.90 | 100.00 | +7.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 135.80 | 130.00 | 124.20 | 118.30 | 112.50 | 106.70 | 100.80 | +7.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 130.70 | — | 120.90 | 116.00 | 111.10 | 106.20 | 101.30 | +1.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 131.50 | — | 121.60 | 116.70 | 111.80 | 106.80 | 101.90 | +0.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 138.60 | 132.80 | 127.00 | 121.10 | 115.30 | — | 103.60 | +8.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 139.80 | 134.00 | 128.20 | 122.30 | 116.50 | 110.70 | 104.80 | +7.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 142.30 | 136.50 | 130.70 | 124.80 | 119.00 | 113.20 | 107.30 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 142.30 | 136.50 | 130.70 | 124.80 | 119.00 | 113.20 | 107.30 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 143.80 | 138.00 | 132.20 | 126.30 | 120.50 | 114.70 | 108.80 | New tariff 2027 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 144.00 | 138.20 | 132.40 | 126.50 | 120.70 | 114.90 | 109.00 | +0.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 146.70 | 140.90 | 135.10 | 129.20 | 123.40 | 117.60 | 111.70 | +1.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 147.40 | 141.50 | 135.70 | 129.90 | 124.00 | 118.20 | 112.40 | +2.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 147.50 | 141.70 | 135.90 | 130.00 | 124.20 | 118.40 | 112.50 | +2.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 147.60 | 141.80 | 135.90 | 130.10 | 124.30 | 118.40 | 112.60 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 147.90 | 142.10 | 136.30 | 130.40 | 124.60 | 118.80 | 112.90 | +2.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 148.50 | 142.70 | 136.90 | 131.00 | 125.20 | — | 113.50 | +9.8 % |
| [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) | 149.00 | 143.20 | 137.40 | 131.50 | 125.70 | 119.90 | 114.00 | +0.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 149.00 | 143.20 | 137.40 | 131.50 | 125.70 | 119.90 | 114.00 | +0.2 % |
| [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) | 149.40 | 143.60 | 137.80 | 131.90 | 126.10 | 120.30 | 114.40 | +0.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 149.40 | 143.60 | 137.80 | 131.90 | 126.10 | 120.30 | 114.40 | +0.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 150.10 | 144.30 | 138.50 | 132.60 | 126.80 | 121.00 | 115.10 | +1.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 150.20 | 144.40 | 138.60 | 132.70 | 126.90 | 121.10 | 115.20 | +0.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 150.60 | 144.80 | 139.00 | 133.10 | 127.30 | 121.50 | 115.60 | +0.1 % |
| [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) | 151.00 | 145.20 | 139.40 | 133.50 | 127.70 | 121.90 | 116.00 | +0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 151.60 | 145.70 | 139.90 | 134.10 | 128.20 | 122.40 | 116.60 | +7.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 151.80 | 146.00 | 140.20 | 134.30 | 128.50 | 122.70 | 116.80 | New tariff 2027 |
| [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) | 154.00 | 148.20 | 142.40 | 136.50 | 130.70 | 124.90 | 119.00 | +0.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 154.00 | 148.20 | 142.40 | 136.50 | 130.70 | 124.90 | 119.00 | +1.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 154.20 | — | 142.60 | — | 130.90 | — | 119.20 | +2.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 154.70 | 148.90 | 143.10 | 137.20 | 131.40 | — | 119.70 | +7.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 155.60 | 149.80 | 144.00 | 138.10 | 132.30 | — | 120.60 | +7.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 155.60 | — | 143.90 | 138.10 | 132.30 | 126.40 | 120.60 | 0.0 % |
| [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) | 155.80 | 150.00 | 144.20 | 138.30 | 132.50 | 126.70 | 120.80 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 155.80 | 150.00 | 144.20 | 138.30 | 132.50 | 126.70 | 120.80 | +1.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 158.50 | — | 146.90 | — | 135.20 | — | 123.50 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 159.60 | 153.80 | 147.95 | 142.10 | 136.30 | 130.45 | 124.60 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 159.70 | 153.90 | 148.10 | 142.20 | 136.40 | 130.60 | 124.70 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 160.70 | 154.90 | 149.00 | 143.20 | 137.40 | 131.50 | 125.70 | +0.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 160.70 | 154.90 | 149.00 | 143.20 | 137.40 | 131.50 | 125.70 | +0.2 % |
| [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) | 161.00 | 155.20 | 149.40 | 143.50 | 137.70 | 131.90 | 126.00 | +1.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 161.25 | 155.45 | 149.60 | 143.75 | 137.95 | 132.10 | 126.25 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 161.25 | 155.45 | 149.60 | 143.75 | 137.95 | 132.10 | 126.25 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 161.25 | 155.45 | 149.60 | 143.75 | 137.95 | 132.10 | 126.25 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 161.25 | 155.45 | 149.60 | 143.75 | 137.95 | 132.10 | 126.25 | +2.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 161.25 | 155.45 | 149.60 | 143.75 | 137.95 | 132.10 | 126.25 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 154.50 | — | 145.20 | — | 135.80 | — | 126.50 | +4.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 162.30 | 156.50 | 150.70 | — | 139.00 | — | 127.30 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 162.70 | — | 151.10 | — | 139.40 | — | 127.70 | +1.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 162.70 | — | 151.10 | — | 139.40 | — | 127.70 | +1.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 162.90 | 157.10 | 151.30 | — | 139.60 | — | 127.90 | +3.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 162.90 | 157.10 | 151.25 | 145.40 | 139.60 | 133.75 | 127.90 | +2.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 163.00 | 157.20 | 151.40 | 145.50 | 139.70 | — | 128.00 | +7.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 164.90 | 159.10 | 153.30 | — | 141.60 | — | 129.90 | +3.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 165.90 | 160.10 | 154.30 | 148.40 | 142.60 | 136.80 | 130.90 | +0.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 166.25 | 160.45 | 154.60 | 148.75 | 142.95 | 137.10 | 131.25 | +2.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 166.40 | 160.60 | 154.80 | 148.90 | 143.10 | 137.30 | 131.40 | +0.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 167.90 | 162.00 | 156.20 | 150.40 | 144.50 | 138.70 | 132.90 | +0.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 168.10 | 162.30 | 156.40 | 150.60 | 144.80 | 138.90 | 133.10 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 168.10 | 162.30 | 156.40 | 150.60 | 144.80 | 138.90 | 133.10 | +2.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 164.10 | — | 154.30 | — | 144.30 | — | 134.40 | +4.9 % |
| [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) | 164.10 | — | 154.30 | — | 144.30 | — | 134.40 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 169.60 | 163.80 | 157.90 | 152.10 | 146.30 | 140.40 | 134.60 | +0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 169.80 | 164.00 | 158.10 | 152.30 | 146.50 | 140.60 | 134.80 | +2.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.50 | 164.70 | 158.90 | 153.00 | 147.20 | 141.40 | 135.50 | +1.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 166.10 | — | 156.10 | — | 146.00 | — | 136.00 | +4.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 171.30 | — | 159.70 | — | 148.00 | — | 136.30 | +1.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 172.40 | 166.60 | 160.80 | — | 149.10 | — | 137.40 | −3.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 174.00 | 168.20 | 162.40 | 156.50 | 150.70 | 144.90 | 139.00 | +1.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 174.70 | 168.80 | 163.00 | 157.20 | 151.30 | 145.50 | 139.70 | +0.1 % |
| [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 | 173.80 | — | 163.40 | — | 152.80 | — | 142.30 | +1.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.00 | 172.65 | 167.30 | 162.00 | 154.85 | 149.50 | 144.20 | +6.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 182.40 | 176.60 | 170.80 | — | 159.10 | — | 147.40 | +3.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 184.10 | — | 172.50 | — | 160.80 | — | 149.10 | +15.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 184.10 | — | 172.50 | — | 160.80 | — | 149.10 | 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 | 184.10 | — | 172.50 | — | 160.80 | — | 149.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 167.60 | — | 166.00 | — | 160.80 | — | 149.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 161.10 | — | 159.60 | — | 158.10 | — | 149.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 172.20 | — | 171.60 | — | 160.80 | — | 149.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 184.10 | — | 172.50 | — | 160.80 | — | 149.10 | New tariff 2027 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 186.70 | 180.90 | 175.00 | 169.20 | 163.40 | 157.50 | 151.70 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 188.60 | 182.80 | 177.00 | 171.10 | 165.30 | 159.50 | 153.60 | +2.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 193.10 | — | 181.50 | — | 169.80 | — | 158.10 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 194.50 | 188.70 | 182.90 | 177.00 | 171.20 | 165.40 | 159.50 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 194.50 | 188.70 | 182.90 | 177.00 | 171.20 | 165.40 | 159.50 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 194.50 | 188.70 | 182.90 | 177.00 | 171.20 | 165.40 | 159.50 | +2.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 196.50 | 190.70 | 184.80 | 179.00 | 173.20 | 167.30 | 161.50 | +2.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 198.80 | — | — | 181.30 | — | — | 163.80 | +4.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 214.40 | — | 202.70 | — | 191.00 | — | 179.40 | +6.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 214.40 | — | 202.70 | — | 191.00 | — | 179.40 | +6.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 219.30 | — | 207.60 | — | 195.90 | — | 184.30 | +6.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 221.70 | — | 210.10 | — | 198.40 | — | 186.70 | +6.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 229.10 | — | 217.50 | — | 205.80 | — | 194.10 | +6.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 246.40 | — | 234.70 | — | 223.00 | — | 211.40 | +6.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 140.70 | — | — | — | — | 111.60 | — | — |
| [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 | 142.40 | — | — | — | — | 113.30 | — | — |
| [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 | 144.10 | — | — | — | — | 115.00 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 144.10 | — | — | — | — | 115.00 | — | — |
| [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 | 145.80 | — | — | — | — | 116.70 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 146.20 | 140.40 | 134.60 | 128.70 | 122.90 | 117.10 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 148.40 | 143.30 | 138.30 | 133.20 | 128.10 | 120.20 | — | — |
| [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 | 149.10 | — | — | — | — | 120.00 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 154.10 | — | — | — | — | 125.00 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 157.20 | 151.40 | 145.60 | 139.70 | 133.90 | 128.10 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 167.60 | — | — | — | — | 138.50 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.50 | 164.70 | 158.90 | 153.10 | 147.20 | 141.40 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 171.90 | 166.10 | 160.30 | 154.40 | 148.60 | 142.80 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Le Locle for a child aged 0 to 18 with a deductible of 600 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/with-accident/), the cheapest offer in [Le Locle](https://praemiencheck.onedoc.ch/en/ne/le-locle/) is Agrisano (AGRIsmart) at 99.50 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/) with a deductible of 600 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/with-accident/), monthly premiums run from 99.50 CHF (Agrisano, AGRIsmart) to 211.40 CHF (Sympany, Standard model): 107 offers from 21 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: 140.80 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 128.40 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ne/le-locle/child/with-accident/deductible-0/) to 99.50 CHF with the 600 CHF deductible: 28.90 CHF less a month, 346.80 CHF a year. The 600 CHF deductible stays worthwhile up to around 385 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Le Locle 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 600 CHF and with accident cover, the cheapest premium per model is: standard model 120.60 CHF (Agrisano), family doctor / HMO 100.00 CHF (Assura), flexible model 100.80 CHF (Assura), telemedicine 99.50 CHF (Agrisano).

### Does a second or third child pay less in Le Locle?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 11 of the 21 insurers present in Le Locle file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 99.50 CHF | 37.30 CHF from the 3rd child |
| Galenos | Managed Care | 125.70 CHF | 37.70 CHF from the 3rd child |
| Visana | VIVA health plan | 109.00 CHF | 38.20 CHF from the 3rd child |
| sana24 | Combi Care | 151.70 CHF | 42.00 CHF from the 3rd child |
| CONCORDIA | HMO | 111.70 CHF | 45.40 CHF from the 3rd child |
| SWICA | Standard model | 149.10 CHF | 46.00 CHF from the 3rd child |
| rhenusana | Standard model | 163.80 CHF | 81.90 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 114.00 CHF | 85.50 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 114.40 CHF | 85.80 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 119.00 CHF | 89.30 CHF from the 5th child |
| Assura | PharMed | 100.00 CHF | 98.30 CHF from the 4th child, 96.60 CHF from the 5th 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: Le Locle is in region 0 of canton Neuchâtel.
- 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/ne/le-locle/child/with-accident/deductible-0/

## Related pages

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

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