# Health insurance premiums 2027 in Giswil (OW), for a child aged 0 to 18, deductible of 0 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Giswil](https://praemiencheck.onedoc.ch/en/ow/giswil/) ([canton Obwalden](https://praemiencheck.onedoc.ch/en/ow/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ow/giswil/child/) with a 0 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/giswil/child/no-accident/), the cheapest monthly basic insurance premium is **80.95 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 151.45 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 | 80.95 | — | 71.35 | 66.55 | 61.85 | 57.05 | 52.15 | +7.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 85.85 | — | 75.75 | 70.65 | 65.65 | 60.55 | 55.45 | +7.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 86.45 | — | 76.15 | 71.15 | 66.05 | 60.85 | 55.85 | +6.5 % |
| [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 R1 | 88.25 | — | — | — | — | 61.25 | — | +0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 88.25 | — | — | — | — | 61.25 | — | +1.4 % |
| [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 R2 | 89.45 | — | — | — | — | 62.35 | — | +0.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 90.25 | — | 81.55 | — | 72.85 | — | 64.15 | −2.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 90.35 | 84.95 | 79.55 | 74.05 | 68.65 | — | 57.75 | +7.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 90.45 | — | — | — | — | 63.35 | — | +2.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 91.55 | 86.85 | 82.15 | 77.45 | 72.75 | 66.35 | — | +4.0 % |
| [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 | 91.55 | — | — | — | — | 64.45 | — | +1.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 93.65 | 88.65 | 83.75 | 78.65 | 73.65 | 68.75 | 63.65 | +4.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 93.65 | 88.65 | 83.75 | 78.65 | 73.65 | 68.75 | 63.65 | +4.1 % |
| [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 | 93.65 | — | — | — | — | 66.65 | — | +0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 93.65 | — | — | — | — | 66.65 | — | −1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 94.35 | 88.85 | 83.35 | 77.75 | 72.35 | 66.85 | 61.25 | +2.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 94.35 | — | 83.25 | 77.75 | 72.25 | 66.55 | 61.05 | +6.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 94.55 | 89.15 | 83.65 | 78.25 | 72.75 | 67.35 | 61.85 | +3.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 94.55 | 89.15 | 83.65 | 78.25 | 72.75 | 67.35 | 61.85 | +3.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 95.45 | — | 84.65 | — | 73.75 | — | 62.95 | +0.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 95.75 | 90.25 | 84.85 | 79.35 | 73.95 | 68.45 | 63.05 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 95.75 | 90.25 | 84.85 | 79.35 | 73.95 | 68.45 | 63.05 | +3.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 95.95 | 90.55 | 85.15 | 79.75 | 74.25 | 68.85 | — | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 95.95 | 90.55 | 85.10 | 79.65 | 74.25 | 68.80 | 63.35 | +3.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 96.05 | 90.55 | 85.05 | 79.45 | 74.05 | 68.55 | 62.95 | +3.6 % |
| [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) | 96.15 | — | 86.95 | — | 77.75 | — | 68.45 | −2.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 96.95 | 91.55 | 86.10 | 80.65 | 75.25 | 69.80 | 64.40 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 96.95 | 91.55 | 86.10 | 80.65 | 75.25 | 69.80 | 64.40 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 96.95 | 91.55 | 86.10 | 80.65 | 75.25 | 69.80 | 64.40 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 96.95 | 91.55 | 86.10 | 80.65 | 75.25 | 69.80 | 64.40 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 96.95 | 91.55 | 86.10 | 80.65 | 75.25 | 69.80 | 64.40 | +3.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 97.15 | 91.65 | 86.25 | 80.65 | 75.15 | 69.65 | 64.05 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 97.25 | — | 88.05 | — | 78.65 | — | 69.25 | −2.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 97.95 | 92.55 | 87.15 | 81.65 | 76.15 | 70.75 | 65.25 | +2.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 98.05 | 92.65 | 87.35 | 81.85 | 76.45 | — | 65.55 | +13.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 98.05 | 92.65 | 87.20 | 81.75 | 76.35 | 70.90 | 65.45 | +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 | 98.95 | — | 88.15 | — | 77.25 | — | 66.35 | +0.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 99.55 | 94.15 | 88.75 | 83.25 | 77.85 | — | 66.95 | +7.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 99.55 | 94.15 | 88.75 | 83.25 | 77.85 | — | 66.95 | +7.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 99.95 | 94.55 | 89.15 | 83.65 | 78.25 | 72.85 | 67.35 | +0.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 100.15 | 94.75 | 89.30 | 83.85 | 78.45 | 73.00 | 67.55 | +3.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 100.25 | 94.75 | 89.35 | 83.85 | 78.45 | 72.95 | 67.45 | +2.0 % |
| [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) | 100.45 | 95.15 | 89.75 | 84.25 | 78.85 | 73.45 | 67.95 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 100.45 | 95.15 | 89.75 | 84.25 | 78.85 | 73.45 | 67.95 | 0.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 100.65 | — | 89.85 | — | 78.95 | — | 68.15 | +0.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 100.85 | 95.55 | 90.15 | 84.65 | 79.25 | 73.85 | 68.35 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 101.75 | — | 90.95 | — | 80.15 | — | 69.25 | +0.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 101.95 | 96.55 | 91.15 | 85.65 | 80.25 | 74.85 | — | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 101.95 | 96.55 | 91.15 | 85.65 | 80.25 | 74.85 | — | +4.4 % |
| [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 | 102.05 | — | 92.35 | — | 82.55 | — | 72.75 | −5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 102.05 | 96.65 | 91.35 | 85.85 | 80.45 | 75.05 | 69.55 | +4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.15 | 96.75 | 91.35 | 85.85 | 80.45 | 75.05 | 69.65 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 102.25 | — | — | — | — | 75.15 | — | −0.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 103.85 | 98.45 | 93.15 | 87.65 | 82.25 | — | 71.35 | +7.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 104.60 | 99.10 | 93.65 | 88.15 | 82.65 | 77.20 | 71.70 | +5.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 104.75 | — | 99.65 | — | 88.85 | — | 77.95 | 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 | PrimaCare (Family doctor) | 105.65 | 100.25 | 94.85 | 89.35 | 84.05 | 78.65 | 73.15 | +4.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 105.75 | 100.30 | 94.80 | 89.30 | 83.85 | 78.35 | 72.85 | +5.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 105.85 | 100.45 | 95.05 | 89.65 | 84.25 | 78.85 | — | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 106.15 | 100.75 | 95.25 | 89.85 | 84.35 | 78.95 | 73.45 | +3.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 106.15 | 100.75 | 95.25 | 89.85 | 84.35 | 78.95 | 73.45 | +3.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 106.45 | 100.95 | 95.45 | — | 84.35 | — | 73.25 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 107.05 | 101.55 | 96.05 | — | 84.95 | — | 73.85 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 108.75 | — | 99.65 | — | 88.85 | — | 77.95 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 108.75 | — | 99.65 | — | 88.85 | — | 77.95 | +7.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.05 | 103.55 | 98.15 | 92.55 | 87.05 | 81.55 | 76.05 | +3.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.25 | 103.85 | 98.45 | 92.95 | 87.45 | 82.05 | 76.55 | +2.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.45 | — | 99.65 | — | 88.75 | — | 77.85 | +0.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.55 | — | 99.65 | — | 88.85 | — | 77.95 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 110.55 | — | 99.65 | — | 88.85 | — | 77.95 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 110.55 | — | 99.65 | — | 88.85 | — | 77.95 | +6.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 110.55 | — | 99.65 | — | 88.85 | — | 77.95 | +6.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 110.75 | 105.95 | 101.15 | 96.25 | 91.75 | 86.75 | 81.85 | +5.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 110.85 | 105.35 | 99.85 | — | 88.75 | — | 77.65 | +4.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.85 | 105.55 | 100.15 | 94.65 | 89.25 | 83.85 | 78.35 | 0.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.60 | 106.10 | 100.60 | 95.15 | 89.65 | 84.15 | 78.70 | +5.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.65 | 106.25 | 100.75 | 95.35 | 89.95 | 84.45 | — | +4.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 111.95 | — | — | 95.65 | — | — | 79.35 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.05 | 106.55 | 101.15 | 95.65 | 90.25 | 84.75 | 79.35 | +3.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 113.35 | 108.45 | 103.55 | 98.55 | 93.95 | 88.75 | 83.75 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 113.95 | — | 103.15 | — | 92.25 | — | 81.35 | −2.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 114.65 | 109.25 | 103.85 | 98.35 | 92.95 | 87.55 | 82.05 | +4.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 114.75 | 109.75 | 104.75 | 99.75 | 95.05 | 89.85 | 84.75 | +5.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.95 | 110.95 | 107.95 | 99.85 | 94.05 | 88.85 | 83.65 | +2.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 115.95 | 110.45 | 104.95 | — | 93.85 | — | 82.75 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | 83.45 | +4.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 116.15 | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | 83.45 | +4.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.50 | 111.65 | 105.60 | 99.50 | 93.45 | 88.65 | 82.55 | +2.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 116.55 | 111.15 | 105.75 | 100.25 | 94.95 | 89.55 | 84.05 | +4.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 117.65 | — | — | 101.45 | — | — | 85.15 | +4.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 117.75 | 112.35 | 106.95 | 101.55 | 96.15 | 90.75 | 85.25 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 117.95 | 112.55 | 107.15 | 101.65 | 96.25 | 90.85 | 85.35 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 119.15 | 113.75 | 108.35 | 102.95 | 97.55 | 92.15 | 86.65 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 120.15 | 114.75 | 109.25 | 103.85 | 98.35 | 92.95 | 87.45 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 120.15 | 114.75 | 109.25 | 103.85 | 98.35 | 92.95 | 87.45 | +4.2 % |
| [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) | 120.65 | 115.25 | 109.85 | 104.35 | 98.95 | 93.55 | 88.05 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 120.95 | 115.55 | 110.05 | 104.65 | 99.15 | 93.75 | 88.25 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 120.95 | 115.55 | 110.05 | 104.65 | 99.15 | 93.75 | 88.25 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 121.85 | 116.45 | 111.05 | 105.55 | 100.25 | 94.85 | 89.35 | +3.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.05 | — | — | 105.75 | — | — | 89.55 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.35 | 116.85 | 111.35 | — | 100.25 | — | 89.15 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 122.35 | 116.85 | 111.45 | 105.95 | 100.55 | 95.05 | 89.65 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 123.65 | 118.15 | 112.75 | 107.25 | 101.85 | 96.35 | 90.95 | +5.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 126.05 | 120.65 | 115.25 | 109.75 | 104.35 | 98.95 | 93.55 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 126.05 | 120.65 | 115.25 | 109.75 | 104.35 | 98.95 | 93.55 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 126.25 | 120.85 | 115.35 | 109.95 | 104.45 | 99.05 | 93.55 | +5.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.55 | 121.05 | 115.65 | 110.05 | 104.95 | 99.15 | 93.65 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.55 | 122.15 | 116.65 | 111.25 | 105.75 | 100.35 | 94.85 | +5.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.55 | 123.05 | 117.65 | 112.15 | 106.75 | 101.25 | 95.85 | +4.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 130.35 | — | 119.55 | — | 108.65 | — | 97.75 | +14.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.85 | 125.45 | 120.05 | 114.55 | 109.15 | 103.75 | 98.25 | +4.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 131.15 | — | 120.25 | — | 109.55 | — | 98.65 | +14.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 131.15 | — | 120.25 | — | 109.55 | — | 98.65 | +14.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.85 | 127.45 | 122.05 | 116.55 | 111.15 | 105.75 | 100.25 | +4.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 134.25 | — | 123.45 | — | 112.55 | — | 101.65 | +13.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 135.85 | — | 125.05 | — | 114.15 | — | 103.25 | +14.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.45 | — | 140.55 | — | 129.75 | — | 118.85 | +14.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Giswil for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ow/giswil/child/no-accident/), the cheapest offer in [Giswil](https://praemiencheck.onedoc.ch/en/ow/giswil/) is Agrisano (AGRIsmart) at 80.95 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ow/giswil/child/) with a deductible of 0 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/giswil/child/no-accident/), monthly premiums run from 80.95 CHF (Agrisano, AGRIsmart) to 151.45 CHF (Sympany, Standard model): 117 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: 94.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Giswil for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 80.95 CHF a month with the 0 CHF deductible to 52.15 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/giswil/child/no-accident/deductible-600/): 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Giswil 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 without accident cover, the cheapest premium per model is: standard model 94.35 CHF (Agrisano), family doctor / HMO 86.45 CHF (Agrisano), flexible model 90.45 CHF (Helsana), telemedicine 80.95 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 17 of the 26 insurers present in Giswil file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 80.95 CHF | 34.25 CHF from the 3rd child |
| Visana | Tel Care | 94.55 CHF | 36.85 CHF from the 3rd child |
| Galenos | Managed Care | 116.15 CHF | 42.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 91.55 CHF | 43.45 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 104.75 CHF | 43.55 CHF from the 3rd child |
| CONCORDIA | HMO | 94.35 CHF | 43.85 CHF from the 3rd child |
| sana24 | Combi Care | 120.95 CHF | 43.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 93.65 CHF | 44.45 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 97.95 CHF | 51.75 CHF from the 3rd child |
| rhenusana | sanmed24 | 111.95 CHF | 53.65 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 104.60 CHF | 69.60 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | PrimaFlex (Flexible model) | 99.95 CHF | 73.75 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 100.85 CHF | 74.45 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex (Flexible model) | 116.55 CHF | 86.25 CHF from the 5th child |
| EGK | EGK-Care | 101.95 CHF | 93.35 CHF from the 3rd child |
| SLKK | SmartMed | 110.75 CHF | 99.25 CHF from the 3rd child |
| Assura | MediTel | 117.75 CHF | 116.15 CHF from the 4th child, 114.45 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 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 85.70 CHF at Agrisano (AGRIsmart) gives 80.95 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.

## 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: Giswil is in region 0 of canton Obwalden.
- 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/ow/giswil/child/no-accident/deductible-0/

## Related pages

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

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