Health insurance premiums 2026 in Kerns (OW)

For an adult without accident cover: Agrisano (AGRIsmart) at 363.70 CHF a month with a deductible of 300 CHF, and Agrisano (AGRIsmart) at 253.65 CHF with the 2'500 CHF deductible. Each situation above leads to the full list of offers.

Yes. Kerns is in premium region 0 of canton Obwalden: every municipality in that region has exactly the same premiums. The region depends on your municipality of residence, not your postcode.

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The deductible changes on the same date, by telling your insurer.

Generally no if you work at least 8 hours a week for the same employer: their accident insurance (UVG/LAA) also covers non-occupational accidents. Otherwise, include accident cover if you are not already fully covered by another UVG/LAA accident policy.

The amount shown is the FOPH-approved premium, the same one as on priminfo.admin.ch, less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person receives 61.80 CHF, which the insurer deducts from the invoices: 5.15 CHF a month, the same amount for everyone. The approved premium of 363.70 CHF at Agrisano therefore gives 358.55 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.