Health insurance premiums 2027 in Sarnen (OW)

For an adult without accident cover: Agrisano (AGRIsmart) at 389.50 CHF a month with a deductible of 300 CHF, and SWICA (Favorit Santé) at 274.55 CHF with the 2'500 CHF deductible. Each situation above leads to the full list of offers.

Yes. Sarnen 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 2026 at the latest; the change takes effect on 1 January 2027. 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 2027 every insured person receives 57.00 CHF, which the insurer deducts from the invoices: 4.75 CHF a month, the same amount for everyone. The approved premium of 389.50 CHF at Agrisano therefore gives 384.75 CHF; the ranking does not change. Your invoice may still differ, for example with your canton’s individual premium reduction.