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122 offersfrom 25 health insurers

Child (0 to 18) · with accident cover · deductible of 300 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Andwil (canton St. Gallen), in 2027, for a child aged 0 to 18 with a 300 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 81.90 CHF with Agrisano (AGRIsmart model) and the most expensive is 139.10 CHF with Visana (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Andwil for a child aged 0 to 18 with a deductible of 300 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Andwil is Agrisano (AGRIsmart) at 81.90 CHF a month.

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

For a child aged 0 to 18 with a deductible of 300 CHF and with accident cover, monthly premiums run from 81.90 CHF (Agrisano, AGRIsmart) to 139.10 CHF (Visana, Standard model): 122 offers from 25 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: 111.10 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Andwil for a child aged 0 to 18 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 97.10 CHF a month with the 0 CHF deductible to 66.80 CHF with the 600 CHF deductible: 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Andwil 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 94.70 CHF (Agrisano), family doctor / HMO 86.90 CHF (rhenusana), flexible model 84.60 CHF (Assura), telemedicine 81.90 CHF (Agrisano).

Does a second or third child pay less in Andwil?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 25 insurers present in Andwil file a reduced premium from a certain number of children insured with them, at a 300 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart81.90 CHF32.20 CHF from the 3rd child
rhenusanasanmed2486.60 CHF34.70 CHF from the 3rd child
VisanaManaged Care115.50 CHF38.20 CHF from the 3rd child
CONCORDIAHMO90.90 CHF38.60 CHF from the 3rd child
sana24Managed Care113.90 CHF40.20 CHF from the 3rd child
GalenosTel Doc110.40 CHF40.90 CHF from the 3rd child
AquilanaSMARTMED95.80 CHF47.90 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor98.00 CHF49.00 CHF from the 3rd child
AssuraFeminaVita84.60 CHF83.00 CHF from the 4th child, 81.50 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)112.30 CHF84.20 CHF from the 5th child
EGKEGK-Care95.70 CHF86.00 CHF from the 3rd child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)117.80 CHF88.30 CHF from the 5th child
Groupe Mutuel – AvenirOptiMed (Healthcare network)120.20 CHF90.10 CHF from the 5th child
SLKKSmartMed111.00 CHF98.40 CHF from the 3rd 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.

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.