Health insurance premiums 2027 in Gams (SG)For a child aged 0 to 18 with accident cover

In 2027, with accident cover, the cheapest offer in Gams is Agrisano (AGRIsmart) at 88.15 CHF a month.

For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 88.15 CHF (Agrisano, AGRIsmart) to 164.65 CHF (Sympany, 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: 100.65 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 88.15 CHF a month with the 0 CHF deductible to 57.85 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.

For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, the cheapest premium per model is: standard model 102.65 CHF (Agrisano), family doctor / HMO 94.05 CHF (Agrisano), flexible model 92.25 CHF (Assura), telemedicine 88.15 CHF (Agrisano).

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 25 insurers present in Gams file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 92.90 CHF at Agrisano (AGRIsmart) gives 88.15 CHF after redistribution.

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.