Health insurance premiums 2026 in Giswil (OW)For a child aged 0 to 18 with accident cover
From 48.95 to 142.15 CHF a month depending on the deductible and the model
116 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 | 79.05 | — | 68.95 | 63.95 | 59.05 | 53.95 | 48.95 |
| 2 | Agrisano | AGRIcontact | 83.45 | — | 72.85 | 67.65 | 62.35 | 57.05 | 51.75 |
| 3 | Agrisano | AGRIeco | 84.95 | — | 74.15 | 68.85 | 63.45 | 58.05 | 52.75 |
| 4 |  CSS | Hausarztversicherung Profit | 90.35 | 84.55 | 78.75 | 72.85 | 67.05 | — | 55.35 |
| 5 | CSS | Callmed | 92.55 | 86.75 | 80.95 | 75.05 | 69.25 | — | 57.55 |
| 6 | Agrisano | Standard model | 92.75 | — | 81.05 | 75.25 | 69.45 | 63.55 | 57.75 |
| 7 |  Helsana | BeneFit PLUS Telmed | 93.45 | — | — | — | — | 64.35 | — |
| 8 |  Aquilana | SMARTMED | 94.45 | 89.15 | 83.85 | 79.25 | 73.25 | 67.45 | — |
| 9 | Helsana | BeneFit PLUS Hausarzt R1 | 94.65 | — | — | — | — | 65.55 | — |
| 10 | Helsana | BeneFit PLUS Flexmed R1 | 94.65 | — | — | — | — | 65.55 | — |
| 11 | Helsana | BeneFit PLUS Hausarzt R2 | 95.85 | — | — | — | — | 66.75 | — |
| 12 |  Sumiswalder Krankenkasse | Family doctor | 96.45 | 91.05 | 85.75 | 80.25 | 74.95 | 69.65 | 64.15 |
| 13 | Sumiswalder Krankenkasse | Telemedicine | 96.45 | 91.05 | 85.75 | 80.25 | 74.95 | 69.65 | 64.15 |
| 14 |  CONCORDIA | HMO | 96.65 | 90.85 | 85.05 | 79.15 | 73.35 | 67.55 | 61.65 |
| 15 | Helsana | BeneFit PLUS Hausarzt R3 | 96.95 | — | — | — | — | 67.85 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Giswil, with accident cover, the cheapest health insurance premium is:
- 79.05 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 48.95 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Giswil 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 Giswil is Agrisano (AGRIsmart) at 79.05 CHF a month.
How much does health insurance cost in Giswil 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 79.05 CHF (Agrisano, AGRIsmart) to 142.15 CHF (Sympany, Standard model): 116 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: 90.05 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 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 79.05 CHF a month with the 0 CHF deductible to 48.95 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 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 with accident cover, the cheapest premium per model is: standard model 92.75 CHF (Agrisano), family doctor / HMO 84.95 CHF (Agrisano), flexible model 94.65 CHF (Helsana), telemedicine 79.05 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 2026. 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 with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 79.05 CHF | 33.15 CHF from the 3rd child |
| Visana | Tel Care | 97.45 CHF | 37.85 CHF from the 3rd child |
| SWICA | FAVORIT SANTE | 108.75 CHF | 42.35 CHF from the 3rd child |
| Galenos | Managed Care | 119.05 CHF | 42.85 CHF from the 3rd child |
| sana24 | Combi Care | 122.85 CHF | 44.35 CHF from the 3rd child |
| Aquilana | SMARTMED | 94.45 CHF | 44.65 CHF from the 3rd child |
| CONCORDIA | HMO | 96.65 CHF | 44.75 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 96.45 CHF | 45.65 CHF from the 3rd child |
| rhenusana | sanmed24 | 115.45 CHF | 55.15 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 102.45 CHF | 59.45 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 105.65 CHF | 70.20 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 103.45 CHF | 76.35 CHF from the 5th child |
| Groupe Mutuel – Mutuel | PrimaFlex | 107.35 CHF | 79.25 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex | 119.65 CHF | 88.45 CHF from the 5th child |
| EGK | EGK-Care | 104.15 CHF | 91.05 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 111.75 CHF | 100.05 CHF from the 3rd child |
| Assura | Qualimed | 122.85 CHF | 121.05 CHF from the 4th child, 119.25 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 84.20 CHF at Agrisano (AGRIsmart) gives 79.05 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.