# Health insurance premiums 2027 in Sarnen (OW), for a child aged 0 to 18, deductible of 500 CHF, without accident cover

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

In [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) ([canton Obwalden](https://praemiencheck.onedoc.ch/en/ow/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/no-accident/), the cheapest monthly basic insurance premium is **61.80 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 110.50 CHF with Assura (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 85.70 | — | 76.10 | 71.30 | 66.60 | 61.80 | 56.90 | +10.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 90.60 | — | 80.50 | 75.40 | 70.40 | 65.30 | 60.20 | +10.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 91.20 | — | 80.90 | 75.90 | 70.80 | 65.60 | 60.60 | +9.3 % |
| [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 | 93.00 | — | — | — | — | 66.00 | — | +0.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 93.00 | — | — | — | — | 66.00 | — | +2.0 % |
| [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 R2 | 94.20 | — | — | — | — | 67.10 | — | +0.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 95.20 | — | — | — | — | 68.10 | — | +3.5 % |
| [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 R3 | 96.30 | — | — | — | — | 69.20 | — | +1.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 96.30 | 91.60 | 86.90 | 82.20 | 77.50 | 71.10 | — | +5.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 99.10 | — | 88.00 | 82.50 | 77.00 | 71.30 | 65.80 | +9.2 % |
| [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 | 98.40 | — | — | — | — | 71.40 | — | +0.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 98.40 | — | — | — | — | 71.40 | — | −1.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 99.10 | 93.60 | 88.10 | 82.50 | 77.10 | 71.60 | 66.00 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 99.30 | 93.90 | 88.40 | 83.00 | 77.50 | 72.10 | 66.60 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 99.30 | 93.90 | 88.40 | 83.00 | 77.50 | 72.10 | 66.60 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 100.50 | 95.00 | 89.60 | 84.10 | 78.70 | 73.20 | 67.80 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 100.50 | 95.00 | 89.60 | 84.10 | 78.70 | 73.20 | 67.80 | +4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 100.80 | 95.30 | 89.80 | 84.20 | 78.80 | 73.30 | 67.70 | +5.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 98.40 | 93.40 | 88.50 | 83.40 | 78.40 | 73.50 | 68.40 | +5.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 98.40 | 93.40 | 88.50 | 83.40 | 78.40 | 73.50 | 68.40 | +5.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 100.70 | 95.30 | 89.85 | 84.40 | 79.00 | 73.55 | 68.10 | New tariff 2027 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 100.70 | 95.30 | 89.90 | 84.50 | 79.00 | 73.60 | — | +5.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 101.90 | 96.40 | 91.00 | 85.40 | 79.90 | 74.40 | 68.80 | +4.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 101.70 | 96.30 | 90.85 | 85.40 | 80.00 | 74.55 | 69.15 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 101.70 | 96.30 | 90.85 | 85.40 | 80.00 | 74.55 | 69.15 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 101.70 | 96.30 | 90.85 | 85.40 | 80.00 | 74.55 | 69.15 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 101.70 | 96.30 | 90.85 | 85.40 | 80.00 | 74.55 | 69.15 | +4.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 101.70 | 96.30 | 90.85 | 85.40 | 80.00 | 74.55 | 69.15 | New tariff 2027 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 102.70 | 97.30 | 91.90 | 86.40 | 80.90 | 75.50 | 70.00 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 102.80 | 97.40 | 91.95 | 86.50 | 81.10 | 75.65 | 70.20 | +4.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 104.70 | 99.30 | 93.90 | 88.40 | 83.00 | 77.60 | 72.10 | +0.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 105.00 | 99.50 | 94.10 | 88.60 | 83.20 | 77.70 | 72.20 | +2.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 104.90 | 99.50 | 94.05 | 88.60 | 83.20 | 77.75 | 72.30 | +4.8 % |
| [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) | 105.20 | 99.90 | 94.50 | 89.00 | 83.60 | 78.20 | 72.70 | +0.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 105.20 | 99.90 | 94.50 | 89.00 | 83.60 | 78.20 | 72.70 | +0.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 105.60 | 100.30 | 94.90 | 89.40 | 84.00 | 78.60 | 73.10 | +6.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 106.70 | 101.30 | 95.90 | 90.40 | 85.00 | 79.60 | — | −18.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 106.70 | 101.30 | 95.90 | 90.40 | 85.00 | 79.60 | — | −18.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 106.90 | 101.50 | 96.10 | 90.60 | 85.20 | 79.80 | 74.40 | +5.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 106.80 | 101.40 | 96.10 | 90.60 | 85.20 | 79.80 | 74.30 | +6.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 107.00 | — | — | — | — | 79.90 | — | −1.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 109.35 | 103.85 | 98.40 | 92.90 | 87.40 | 81.95 | 76.45 | +6.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 110.50 | 105.05 | 99.55 | 94.05 | 88.60 | 83.10 | 77.60 | +6.7 % |
| [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) | 110.40 | 105.00 | 99.60 | 94.10 | 88.80 | 83.40 | 77.90 | +6.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.60 | 105.20 | 99.80 | 94.40 | 89.00 | 83.60 | — | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 110.90 | 105.50 | 100.00 | 94.60 | 89.10 | 83.70 | 78.20 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 110.90 | 105.50 | 100.00 | 94.60 | 89.10 | 83.70 | 78.20 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 113.80 | 108.30 | 102.90 | 97.30 | 91.80 | 86.30 | 80.80 | +4.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 114.00 | 108.60 | 103.20 | 97.70 | 92.20 | 86.80 | 81.30 | +2.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.60 | 110.30 | 104.90 | 99.40 | 94.00 | 88.60 | 83.10 | +0.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.35 | 110.85 | 105.35 | 99.90 | 94.40 | 88.90 | 83.45 | +6.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.40 | 111.00 | 105.50 | 100.10 | 94.70 | 89.20 | — | −16.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.80 | 111.30 | 105.90 | 100.40 | 95.00 | 89.50 | 84.10 | +4.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 115.50 | 110.70 | 105.90 | 101.00 | 96.50 | 91.50 | 86.60 | +6.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.40 | 114.00 | 108.60 | 103.10 | 97.70 | 92.30 | 86.80 | +6.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.25 | 116.40 | 110.35 | 104.25 | 98.20 | 93.40 | 87.30 | +3.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 118.10 | 113.20 | 108.30 | 103.30 | 98.70 | 93.50 | 88.50 | +6.5 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.70 | 115.70 | 112.70 | 104.60 | 98.80 | 93.60 | 88.40 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 120.90 | 115.50 | 110.00 | 104.60 | 99.10 | 93.70 | 88.20 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 120.90 | 115.50 | 110.00 | 104.60 | 99.10 | 93.70 | 88.20 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 121.30 | 115.90 | 110.50 | 105.00 | 99.70 | 94.30 | 88.80 | +6.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 119.50 | 114.50 | 109.50 | 104.50 | 99.80 | 94.60 | 89.50 | +6.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 122.50 | 117.10 | 111.70 | 106.30 | 100.90 | 95.50 | 90.00 | 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) | 122.70 | 117.30 | 111.90 | 106.40 | 101.00 | 95.60 | 90.10 | +5.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 123.90 | 118.50 | 113.10 | 107.70 | 102.30 | 96.90 | 91.40 | +5.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 124.90 | 119.50 | 114.00 | 108.60 | 103.10 | 97.70 | 92.20 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 124.90 | 119.50 | 114.00 | 108.60 | 103.10 | 97.70 | 92.20 | +5.5 % |
| [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) | 125.40 | 120.00 | 114.60 | 109.10 | 103.70 | 98.30 | 92.80 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 125.70 | 120.30 | 114.80 | 109.40 | 103.90 | 98.50 | 93.00 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 125.70 | 120.30 | 114.80 | 109.40 | 103.90 | 98.50 | 93.00 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 126.60 | 121.20 | 115.80 | 110.30 | 105.00 | 99.60 | 94.10 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 127.10 | 121.60 | 116.20 | 110.70 | 105.30 | 99.80 | 94.40 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 128.40 | 122.90 | 117.50 | 112.00 | 106.60 | 101.10 | 95.70 | +6.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 130.80 | 125.40 | 120.00 | 114.50 | 109.10 | 103.70 | 98.30 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 130.80 | 125.40 | 120.00 | 114.50 | 109.10 | 103.70 | 98.30 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 131.00 | 125.60 | 120.10 | 114.70 | 109.20 | 103.80 | 98.30 | +6.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.30 | 125.80 | 120.40 | 114.80 | 109.70 | 103.90 | 98.40 | +6.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.30 | 126.90 | 121.40 | 116.00 | 110.50 | 105.10 | 99.60 | +6.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.30 | 127.80 | 122.40 | 116.90 | 111.50 | 106.00 | 100.60 | +5.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.60 | 130.20 | 124.80 | 119.30 | 113.90 | 108.50 | 103.00 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.60 | 132.20 | 126.80 | 121.30 | 115.90 | 110.50 | 105.00 | +5.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 95.00 | — | 86.30 | — | 77.60 | — | 68.90 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 95.10 | 89.70 | 84.30 | 78.80 | 73.40 | — | 62.50 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 100.20 | — | 89.40 | — | 78.50 | — | 67.70 | — |
| [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) | 100.90 | — | 91.70 | — | 82.50 | — | 73.20 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 102.00 | — | 92.80 | — | 83.40 | — | 74.00 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 102.80 | 97.40 | 92.10 | 86.60 | 81.20 | — | 70.30 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 103.70 | — | 92.90 | — | 82.00 | — | 71.10 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | — | 71.70 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 104.30 | 98.90 | 93.50 | 88.00 | 82.60 | — | 71.70 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 105.40 | — | 94.60 | — | 83.70 | — | 72.90 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 106.50 | — | 95.70 | — | 84.90 | — | 74.00 | — |
| [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 | 106.80 | — | 97.10 | — | 87.30 | — | 77.50 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 108.60 | 103.20 | 97.90 | 92.40 | 87.00 | — | 76.10 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 109.50 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 111.20 | 105.70 | 100.20 | — | 89.10 | — | 78.00 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 111.80 | 106.30 | 100.80 | — | 89.70 | — | 78.60 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 113.50 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 113.50 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.20 | — | 104.40 | — | 93.50 | — | 82.60 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.30 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 115.30 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 115.30 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 115.30 | — | 104.40 | — | 93.60 | — | 82.70 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 115.60 | 110.10 | 104.60 | — | 93.50 | — | 82.40 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 116.70 | — | — | 100.40 | — | — | 84.10 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.70 | — | 107.90 | — | 97.00 | — | 86.10 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 120.70 | 115.20 | 109.70 | — | 98.60 | — | 87.50 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 122.40 | — | — | 106.20 | — | — | 89.90 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.80 | — | — | 110.50 | — | — | 94.30 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.10 | 121.60 | 116.10 | — | 105.00 | — | 93.90 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 135.10 | — | 124.30 | — | 113.40 | — | 102.50 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 135.90 | — | 125.00 | — | 114.30 | — | 103.40 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 135.90 | — | 125.00 | — | 114.30 | — | 103.40 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 139.00 | — | 128.20 | — | 117.30 | — | 106.40 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 140.60 | — | 129.80 | — | 118.90 | — | 108.00 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.20 | — | 145.30 | — | 134.50 | — | 123.60 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Sarnen for a child aged 0 to 18 with a deductible of 500 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/no-accident/), the cheapest offer in [Sarnen](https://praemiencheck.onedoc.ch/en/ow/sarnen/) is Agrisano (AGRIsmart) at 61.80 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/no-accident/), monthly premiums run from 61.80 CHF (Agrisano, AGRIsmart) to 110.50 CHF (Assura, 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: 99.40 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 85.70 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/child/no-accident/deductible-0/) to 56.90 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ow/sarnen/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 Sarnen 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 500 CHF and without accident cover, the cheapest premium per model is: standard model 71.30 CHF (Agrisano), family doctor / HMO 65.60 CHF (Agrisano), flexible model 68.10 CHF (Helsana), telemedicine 61.80 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 26 insurers present in Sarnen file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 61.80 CHF | 23.80 CHF from the 3rd child |
| Visana | Tel Care | 72.10 CHF | 26.40 CHF from the 3rd child |
| CONCORDIA | HMO | 71.60 CHF | 29.60 CHF from the 3rd child |
| Galenos | Managed Care | 93.70 CHF | 30.50 CHF from the 3rd child |
| sana24 | Combi Care | 98.50 CHF | 31.70 CHF from the 3rd child |
| Aquilana | SMARTMED | 71.10 CHF | 35.60 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 73.50 CHF | 36.80 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 75.50 CHF | 41.60 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 81.95 CHF | 55.70 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | PrimaFlex (Flexible model) | 77.60 CHF | 58.20 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 78.60 CHF | 59.00 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex (Flexible model) | 94.30 CHF | 70.70 CHF from the 5th child |
| EGK | EGK-Care | 79.60 CHF | 71.00 CHF from the 3rd child |
| SLKK | SmartMed | 91.50 CHF | 79.90 CHF from the 3rd child |
| Assura | MediTel | 95.50 CHF | 93.80 CHF from the 4th child, 92.10 CHF from the 5th child |

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

### 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: Sarnen 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/sarnen/child/no-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/ow/sarnen/child/no-accident/deductible-0/ — replace `ow` with your canton’s two-letter code (ge, vd, zh…), `sarnen` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-500` with `deductible-600` for another deductible. Markdown version: add `.md`.