# Health insurance premiums 2026 in Stans (NW), for a child aged 0 to 18, deductible of 500 CHF, with accident cover

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

In [Stans](https://praemiencheck.onedoc.ch/en/nw/stans/) ([canton Nidwalden](https://praemiencheck.onedoc.ch/en/nw/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/nw/stans/child/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/), the cheapest monthly basic insurance premium is **54.55 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 103.75 CHF with Groupe Mutuel – Mutuel (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 79.65 | — | 69.55 | 64.55 | 59.65 | 54.55 | 49.55 | +6.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 84.05 | — | 73.45 | 68.25 | 62.95 | 57.65 | 52.45 | +5.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 85.55 | — | 74.75 | 69.45 | 64.15 | 58.65 | 53.35 | +5.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 90.65 | 85.35 | 80.05 | 75.45 | 69.45 | 63.65 | — | +4.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 93.45 | — | 81.75 | 75.95 | 70.15 | 64.25 | 58.45 | +5.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 94.65 | — | — | — | — | 65.55 | — | +3.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 94.95 | 89.15 | 83.35 | 77.55 | 71.65 | 65.85 | — | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 95.55 | 89.75 | 83.85 | 78.05 | 72.25 | 66.35 | 60.55 | +11.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 95.85 | — | — | — | — | 66.75 | — | +1.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 95.85 | — | — | — | — | 66.75 | — | +1.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 96.25 | 90.45 | 84.65 | 78.75 | 72.95 | 67.15 | 61.25 | +9.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 97.05 | — | — | — | — | 67.95 | — | +1.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 97.45 | 91.65 | 85.85 | 79.95 | 74.15 | 68.35 | 62.45 | +9.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 97.65 | 91.75 | 85.95 | 80.15 | 74.25 | 68.45 | 62.65 | +11.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 97.65 | 91.75 | 85.95 | 80.15 | 74.25 | 68.45 | 62.65 | +11.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 97.65 | 91.75 | 85.95 | 80.15 | 74.25 | 68.45 | 62.65 | +11.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 97.65 | 91.85 | 86.05 | 80.15 | 74.35 | 68.55 | 62.65 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 98.25 | — | — | — | — | 69.15 | — | −0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 98.25 | — | — | — | — | 69.15 | — | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | +4.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 | New tariff 2026 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 99.15 | 93.35 | 87.55 | 81.65 | 75.85 | 70.05 | 64.15 | +9.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 99.55 | 93.75 | 87.95 | 82.05 | 76.25 | 70.45 | 64.55 | +11.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 97.35 | 92.05 | 86.65 | 81.15 | 75.85 | 70.65 | 65.05 | +3.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 97.35 | 92.05 | 86.65 | 81.15 | 75.85 | 70.65 | 65.05 | +3.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 99.75 | 93.95 | 88.15 | 82.25 | 76.45 | 70.65 | 64.75 | +4.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 99.75 | 93.95 | 88.15 | 82.25 | 76.45 | 70.65 | 64.75 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 100.75 | 94.95 | 89.15 | 83.25 | 77.45 | 71.65 | 65.75 | +11.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 100.75 | 94.95 | 89.15 | 83.25 | 77.45 | 71.65 | 65.75 | +11.3 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 101.35 | 95.55 | 89.75 | 83.85 | 78.05 | 72.25 | 66.35 | +19.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 101.75 | — | — | — | — | 72.65 | — | +1.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 101.85 | 96.05 | 90.25 | 84.35 | 78.55 | 72.75 | 66.85 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 102.15 | 96.35 | 90.55 | 84.65 | 78.85 | 73.05 | 67.15 | +5.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 102.95 | — | — | — | — | 73.85 | — | +1.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 104.35 | 98.55 | 92.75 | 86.85 | 81.05 | 75.25 | 69.35 | +11.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 104.85 | 99.05 | 93.25 | 87.45 | 81.55 | 75.75 | — | +4.8 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 104.85 | 99.05 | 93.35 | 87.35 | 81.55 | 75.75 | 69.85 | +15.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 105.50 | 99.65 | 93.85 | 88.00 | 82.15 | 76.35 | 70.50 | +8.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 106.25 | 100.45 | 94.65 | 88.75 | 82.95 | 77.15 | 71.25 | +3.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 106.65 | 100.85 | 95.00 | 89.15 | 83.35 | 77.50 | 71.65 | +7.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 104.65 | 99.55 | 94.45 | 89.25 | 84.45 | 79.05 | 73.85 | +18.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 107.15 | 101.95 | 96.75 | 91.45 | 86.45 | 80.95 | 75.65 | +18.8 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 110.55 | 104.75 | 98.95 | 93.05 | 87.25 | 81.45 | 75.55 | +16.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 110.75 | 104.95 | 99.15 | 93.25 | 87.45 | 81.65 | 75.75 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 111.05 | 105.15 | 99.35 | 93.55 | 87.65 | 81.85 | 76.05 | +11.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 111.05 | 105.15 | 99.35 | 93.55 | 87.65 | 81.85 | 76.05 | +11.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 108.45 | 103.15 | 97.85 | 92.45 | 87.45 | 81.95 | 76.55 | +18.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 111.35 | 105.55 | 99.75 | 93.85 | 88.05 | 82.25 | 76.35 | +7.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.35 | — | — | — | — | 83.25 | — | +1.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 112.55 | 106.65 | 100.85 | 95.05 | 89.15 | 83.35 | 77.55 | +15.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 112.55 | 106.65 | 100.85 | 95.05 | 89.15 | 83.35 | 77.55 | +15.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.55 | 106.75 | 100.90 | 95.05 | 89.25 | 83.40 | 77.55 | +8.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.15 | 107.35 | 101.55 | 95.65 | 89.85 | 84.05 | 78.15 | +10.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.85 | 108.15 | 102.25 | 96.35 | 90.45 | 84.55 | 78.65 | +8.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 116.15 | 110.25 | 104.45 | 98.65 | 92.75 | 86.95 | 81.15 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.15 | 111.25 | 105.45 | 99.65 | 93.75 | 87.95 | 82.15 | +11.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 119.05 | 113.25 | 107.45 | 101.55 | 95.75 | 89.95 | 84.05 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 119.05 | 113.25 | 107.45 | 101.55 | 95.75 | 89.95 | 84.05 | New tariff 2026 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 119.05 | 113.25 | 107.45 | 101.55 | 95.75 | 89.95 | 84.05 | +5.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 119.65 | 113.85 | 108.05 | 102.15 | 96.65 | 90.55 | 84.65 | +18.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 119.75 | 113.95 | 108.15 | 102.25 | 96.45 | 90.65 | 84.75 | +5.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 120.45 | 114.65 | 108.85 | 102.95 | 97.15 | 91.35 | 85.45 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 120.45 | 114.65 | 108.85 | 102.95 | 97.15 | 91.35 | 85.45 | +5.7 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.30 | 116.05 | 112.95 | 104.45 | 98.25 | 92.85 | 87.55 | +12.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 98.25 | 97.35 | 96.35 | 95.35 | 94.35 | 93.35 | — | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 122.75 | 116.95 | 111.15 | 105.25 | 99.45 | 93.65 | 87.75 | −17.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 124.15 | 118.25 | 112.45 | 106.65 | 100.75 | 94.95 | 89.15 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 | 89.25 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 | 89.25 | +4.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 100.95 | 100.05 | 99.05 | 98.05 | 97.05 | 96.05 | — | +9.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 125.55 | 119.75 | 113.95 | 108.05 | 102.25 | 96.45 | 90.55 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 125.55 | 119.75 | 113.95 | 108.05 | 102.25 | 96.45 | 90.55 | −17.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 125.55 | 119.75 | 113.95 | 108.05 | 102.25 | 96.45 | 90.55 | −17.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 126.25 | 120.45 | 114.65 | 108.75 | 102.95 | 97.15 | 91.25 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 129.65 | 123.85 | 118.05 | 112.15 | 106.35 | 100.55 | 94.65 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 129.65 | 123.85 | 118.05 | 112.15 | 106.35 | 100.55 | 94.65 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.05 | 125.25 | 119.35 | 113.55 | 107.75 | 101.85 | 96.05 | +4.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 108.05 | 107.05 | 106.05 | 105.05 | 104.05 | 103.05 | — | +4.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.35 | 126.55 | 120.75 | 114.85 | 109.05 | 103.25 | 97.35 | −17.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.85 | 127.05 | 121.25 | 115.35 | 109.55 | 103.75 | 97.85 | +5.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 89.95 | — | 80.55 | — | 71.25 | — | 61.85 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 92.45 | 86.65 | 80.85 | 74.95 | 69.15 | — | 57.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 93.55 | 87.75 | 81.95 | 76.05 | 70.25 | — | 58.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 95.85 | — | 85.95 | — | 76.05 | — | 66.05 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 95.85 | — | 85.95 | — | 76.05 | — | 66.05 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 97.05 | — | 87.05 | — | 77.05 | — | 66.95 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 101.35 | 95.55 | 89.75 | 83.85 | 78.05 | — | 66.35 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 101.65 | — | 90.05 | — | 78.35 | — | 66.65 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 101.95 | 96.15 | 90.35 | 84.45 | 78.65 | — | 66.95 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 105.35 | — | 94.55 | — | 83.75 | — | 72.75 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 105.35 | — | 93.75 | — | 82.05 | — | 70.35 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 106.35 | 100.55 | 94.75 | 88.85 | 83.05 | — | 71.35 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 106.75 | 100.95 | 95.15 | — | 83.45 | — | 71.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 106.75 | — | 97.35 | — | 85.65 | — | 74.05 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 107.25 | — | 95.65 | — | 83.95 | — | 72.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 107.35 | 101.55 | 95.75 | — | 84.05 | — | 72.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 107.85 | — | 97.95 | — | 86.25 | — | 74.55 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 108.45 | — | 96.85 | — | 85.15 | — | 73.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 108.45 | — | 97.95 | — | 86.25 | — | 74.55 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 109.25 | 103.45 | 97.65 | — | 85.95 | — | 74.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 109.25 | 103.45 | 97.65 | — | 85.95 | — | 74.25 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 109.35 | — | — | 91.85 | — | — | 74.35 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 109.55 | — | 97.95 | — | 86.25 | — | 74.55 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 109.55 | — | 97.95 | — | 86.25 | — | 74.55 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 109.55 | — | 97.95 | — | 86.25 | — | 74.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.55 | — | 101.95 | — | 90.25 | — | 78.55 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 114.95 | — | — | 97.45 | — | — | 79.95 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 116.05 | — | 104.35 | — | 92.75 | — | 81.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 116.05 | — | 104.35 | — | 92.75 | — | 81.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 116.05 | — | 104.35 | — | 92.75 | — | 81.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 116.75 | — | 105.05 | — | 93.35 | — | 81.75 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.65 | — | 106.05 | — | 94.35 | — | 82.65 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 119.25 | — | — | 101.75 | — | — | 84.25 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 119.45 | — | 107.75 | — | 96.15 | — | 84.45 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 120.55 | 114.75 | 108.95 | — | 97.25 | — | 85.55 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.75 | — | 120.15 | — | 108.45 | — | 96.75 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Stans for a child aged 0 to 18 with a deductible of 500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/), the cheapest offer in [Stans](https://praemiencheck.onedoc.ch/en/nw/stans/) is Agrisano (AGRIsmart) at 54.55 CHF a month.

### How much does health insurance cost in Stans in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/nw/stans/child/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/), monthly premiums run from 54.55 CHF (Agrisano, AGRIsmart) to 103.75 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 Stans 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](https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-0/) to 49.55 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-600/): 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 Stans 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 500 CHF and with accident cover, the cheapest premium per model is: standard model 64.25 CHF (Agrisano), family doctor / HMO 58.65 CHF (Agrisano), flexible model 66.75 CHF (Helsana), telemedicine 54.55 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 26 insurers present in Stans file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 54.55 CHF | 18.55 CHF from the 3rd child |
| Visana | Managed Care | 66.35 CHF | 22.45 CHF from the 3rd child |
| sana24 | Managed Care | 86.95 CHF | 25.45 CHF from the 3rd child |
| Galenos | Managed Care | 83.35 CHF | 25.75 CHF from the 3rd child |
| CONCORDIA | HMO | 67.15 CHF | 26.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 63.65 CHF | 29.25 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 70.65 CHF | 32.75 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 72.25 CHF | 41.35 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 69.55 CHF | 50.85 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 76.35 CHF | 51.05 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 70.45 CHF | 51.55 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 89.95 CHF | 66.25 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 79.05 CHF | 68.05 CHF from the 3rd child |
| EGK | EGK-TelCare | 93.35 CHF | 80.35 CHF from the 3rd child |
| Assura | Qualimed | 93.65 CHF | 91.85 CHF from the 4th child, 89.95 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 59.70 CHF at Agrisano (AGRIsmart) gives 54.55 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.

## 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: Stans is in region 0 of canton Nidwalden.
- 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Stans (NW): every situation: https://praemiencheck.onedoc.ch/en/nw/stans/
- Premiums 2026 in Stans (NW), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/child/
- Premiums 2026 in Stans (NW), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/nw/stans/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/nw/stans/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-0/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-100/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-200/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-300/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-400/
- Deductible Premiums 2026 in Stans (NW), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/nw/stans/child/with-accident/deductible-0/ — replace `nw` with your canton’s two-letter code (ge, vd, zh…), `stans` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-600` for another deductible. Markdown version: add `.md`.