Health insurance premiums 2027 in Hergiswil (NW)For a young adult aged 19 to 25 without accident cover
From 164.80 to 407.55 CHF a month depending on the deductible and the model
122 offers from 26 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 272.05 | 262.45 | 238.55 | 214.65 | 190.55 | 166.65 |
| 2 |  Visana | Managed Care | 277.25 | 271.05 | 239.15 | 211.85 | 184.55 | 177.65 |
| 3 | Visana | Med Direct | 281.35 | 275.15 | 243.15 | 215.95 | 188.65 | 177.65 |
| 4 |  Sanitas | Family doctor 1 | 284.25 | 273.40 | 246.25 | 219.05 | 191.90 | 164.80 |
| 5 | Sanitas | TelMed Basic | 284.25 | 273.40 | 246.25 | 219.05 | 191.90 | 164.80 |
| 6 | Sanitas | Family doctor 2 | 287.25 | 276.40 | 249.25 | 222.10 | 194.95 | 167.80 |
| 7 | Sanitas | Family doctor 3 | 287.25 | 276.40 | 249.25 | 222.10 | 194.95 | 167.80 |
| 8 | Sanitas | Family doctor 4 | 287.25 | 276.40 | 249.25 | 222.10 | 194.95 | 167.80 |
| 9 | Sanitas | MultiAccess | 287.25 | 276.40 | 249.25 | 222.10 | 194.95 | 167.80 |
| 10 | Sanitas | TelMed Plus | 287.25 | 276.40 | 249.25 | 222.10 | 194.95 | 167.80 |
| 11 | Agrisano | AGRIcontact | 288.15 | 277.95 | 252.65 | 227.25 | 201.85 | 176.65 |
| 12 | Agrisano | AGRIeco | 289.65 | 279.45 | 254.05 | 228.45 | 203.05 | 177.55 |
| 13 |  Aquilana | SMARTMED | 293.15 | 283.75 | 260.05 | 236.55 | 212.85 | 184.85 |
| 14 | Sanitas | Standard model | 296.30 | 285.45 | 258.30 | 231.10 | 204.00 | 176.85 |
| 15 |  ÖKK | ÖKK CASAMED HMO | 296.85 | 286.15 | 258.95 | 231.75 | 204.75 | 181.75 |
| See all | See all | See all | See all | See all | See all | |||
In 2027, for a young adult aged 19 to 25 in Hergiswil, without accident cover, the cheapest health insurance premium is:
- 272.05 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 164.80 CHF a month with a 2'500 CHF deductible (Sanitas, Family doctor 1)
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Frequently asked questions
Which health insurance is the cheapest in Hergiswil for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?
In 2027, without accident cover, the cheapest offer in Hergiswil is Agrisano (AGRIsmart) at 272.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 296.30 CHF a month.
How much does health insurance cost in Hergiswil in 2027 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 272.05 CHF (Agrisano, AGRIsmart) to 407.55 CHF (Einsiedler Krankenkasse, Standard model): 122 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: 264.85 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Hergiswil for a young adult aged 19 to 25 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 272.05 CHF a month with the 300 CHF deductible to 166.65 CHF with the 2'500 CHF deductible: 105.40 CHF less a month, 1'264.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'705 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Hergiswil for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 296.30 CHF (Sanitas), family doctor / HMO 277.25 CHF (Visana), flexible model 287.25 CHF (Sanitas), telemedicine 272.05 CHF (Agrisano).
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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 276.80 CHF at Agrisano (AGRIsmart) gives 272.05 CHF after redistribution.
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.
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.