Health insurance premiums 2026 in Emmetten (NW)For a child aged 0 to 18 with accident cover
From 49.55 to 132.85 CHF a month depending on the deductible and the model
121 offers from 26 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 79.65 | — | 69.55 | 64.55 | 59.65 | 54.55 | 49.55 |
| 2 | Agrisano | AGRIcontact | 84.05 | — | 73.45 | 68.25 | 62.95 | 57.65 | 52.45 |
| 3 | Agrisano | AGRIeco | 85.55 | — | 74.75 | 69.45 | 64.15 | 58.65 | 53.35 |
| 4 |  KPT | KPTwin.smart | 89.95 | — | 80.55 | — | 71.25 | — | 61.85 |
| 5 |  Aquilana | SMARTMED | 90.65 | 85.35 | 80.05 | 75.45 | 69.45 | 63.65 | — |
| 6 |  CSS | Hausarztversicherung Profit | 92.45 | 86.65 | 80.85 | 74.95 | 69.15 | — | 57.45 |
| 7 | Agrisano | Standard model | 93.45 | — | 81.75 | 75.95 | 70.15 | 64.25 | 58.45 |
| 8 | CSS | Callmed | 93.55 | 87.75 | 81.95 | 76.05 | 70.25 | — | 58.55 |
| 9 |  Helsana | BeneFit PLUS Telmed | 94.65 | — | — | — | — | 65.55 | — |
| 10 | Aquilana | CASAMED | 94.95 | 89.15 | 83.35 | 77.55 | 71.65 | 65.85 | — |
| 11 |  Visana | Managed Care | 95.55 | 89.75 | 83.85 | 78.05 | 72.25 | 66.35 | 60.55 |
| 12 | KPT | KPTwin.plus | 95.85 | — | 85.95 | — | 76.05 | — | 66.05 |
| 13 | KPT | KPTwin.doc | 95.85 | — | 85.95 | — | 76.05 | — | 66.05 |
| 14 | Helsana | BeneFit PLUS Hausarzt R1 | 95.85 | — | — | — | — | 66.75 | — |
| 15 | Helsana | BeneFit PLUS Flexmed R1 | 95.85 | — | — | — | — | 66.75 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Emmetten, with accident cover, the cheapest health insurance premium is:
- 79.65 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 49.55 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Emmetten 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 Emmetten is Agrisano (AGRIsmart) at 79.65 CHF a month.
How much does health insurance cost in Emmetten 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 79.65 CHF (Agrisano, AGRIsmart) to 132.85 CHF (Groupe Mutuel – Mutuel, Standard model): 121 offers from 26 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: 91.75 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Emmetten for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 79.65 CHF a month with the 0 CHF deductible to 49.55 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 Emmetten 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 93.45 CHF (Agrisano), family doctor / HMO 85.55 CHF (Agrisano), flexible model 95.85 CHF (Helsana), telemedicine 79.65 CHF (Agrisano).
Does a second or third child pay less in Emmetten?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 17 of the 26 insurers present in Emmetten 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 | 79.65 CHF | 33.35 CHF from the 3rd child |
| Visana | Managed Care | 95.55 CHF | 37.05 CHF from the 3rd child |
| SWICA | FAVORIT SANTE | 106.75 CHF | 41.55 CHF from the 3rd child |
| sana24 | Managed Care | 116.15 CHF | 41.75 CHF from the 3rd child |
| Galenos | Managed Care | 112.55 CHF | 42.15 CHF from the 3rd child |
| Aquilana | SMARTMED | 90.65 CHF | 42.75 CHF from the 3rd child |
| CONCORDIA | HMO | 96.25 CHF | 46.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 97.35 CHF | 46.15 CHF from the 3rd child |
| rhenusana | sanmed24 | 109.35 CHF | 52.15 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 101.35 CHF | 58.75 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 105.50 CHF | 71.20 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 98.65 CHF | 72.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 99.55 CHF | 73.45 CHF from the 5th child |
| EGK | EGK-TelCare | 98.25 CHF | 85.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 119.05 CHF | 88.05 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 104.65 CHF | 93.65 CHF from the 3rd child |
| Assura | Qualimed | 122.75 CHF | 120.95 CHF from the 4th child, 119.05 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 84.80 CHF at Agrisano (AGRIsmart) gives 79.65 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.