Health insurance premiums 2026 in Sarnen (OW)For a child aged 0 to 18 without accident cover

In 2026, without accident cover, the cheapest offer in Sarnen is Agrisano (AGRIsmart) at 74.85 CHF a month.

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 74.85 CHF (Agrisano, AGRIsmart) to 131.85 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).

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 74.85 CHF a month with the 0 CHF deductible to 46.25 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

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 87.85 CHF (Agrisano), family doctor / HMO 80.45 CHF (Agrisano), flexible model 87.75 CHF (Helsana), telemedicine 74.85 CHF (Agrisano).

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 Sarnen file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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 80.00 CHF at Agrisano (AGRIsmart) gives 74.85 CHF after redistribution.

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.