Health insurance premiums 2026 in Grabs (SG)For a child aged 0 to 18 without accident cover
From 50.05 to 138.95 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 78.75 | — | 69.25 | 64.45 | 59.75 | 54.85 | 50.15 |
| 2 |  Assura | FeminaVita | 79.95 | 74.65 | 69.25 | 63.75 | 58.35 | 52.95 | 50.05 |
| 3 | Assura | PreventoMed | 79.95 | 74.65 | 69.25 | 63.75 | 58.35 | 52.95 | 50.05 |
| 4 | Assura | Qualimed | 83.05 | 77.65 | 72.25 | 66.75 | 61.35 | 56.05 | 50.55 |
| 5 | Agrisano | AGRIcontact | 83.15 | — | 73.15 | 68.05 | 63.15 | 58.05 | 53.05 |
| 6 |  rhenusana | sanmed24 | 84.15 | — | — | 67.95 | — | — | 51.65 |
| 7 | Agrisano | AGRIeco | 84.65 | — | 74.35 | 69.35 | 64.25 | 59.05 | 54.05 |
| 8 | rhenusana | Family doctor | 85.25 | — | — | 68.95 | — | — | 55.45 |
| 9 |  KPT | KPTwin.smart | 85.55 | — | 76.85 | — | 68.15 | — | 59.45 |
| 10 | Assura | PharMed | 85.65 | 80.25 | 74.85 | 69.35 | 63.95 | 58.65 | 53.15 |
| 11 |  CSS | Hausarztversicherung Profit | 86.15 | 80.75 | 75.35 | 69.85 | 64.55 | — | 53.65 |
| 12 | Assura | Family doctor | 86.15 | 80.75 | 75.35 | 69.85 | 64.45 | 59.05 | 53.55 |
| 13 |  ÖKK | HMO model | 86.45 | — | 75.65 | — | 64.75 | — | 53.85 |
| 14 | KPT | KPTwin.plus | 86.65 | — | 77.95 | — | 69.15 | — | 60.25 |
| 15 | ÖKK | Family doctor | 88.45 | — | 77.65 | — | 66.75 | — | 55.95 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Grabs, without accident cover, the cheapest health insurance premium is:
- 78.75 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 50.05 CHF a month with a 600 CHF deductible (Assura, FeminaVita)
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Frequently asked questions
Which health insurance is the cheapest in Grabs for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Grabs is Agrisano (AGRIsmart) at 78.75 CHF a month.
How much does health insurance cost in Grabs in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 78.75 CHF (Agrisano, AGRIsmart) to 138.95 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: 94.85 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Grabs for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 78.75 CHF a month with the 0 CHF deductible to 50.15 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.
Which model is the cheapest in Grabs 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 0 CHF and without accident cover, the cheapest premium per model is: standard model 92.45 CHF (Agrisano), family doctor / HMO 84.65 CHF (Agrisano), flexible model 79.95 CHF (Assura), telemedicine 78.75 CHF (Agrisano).
Does a second or third child pay less in Grabs?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 25 insurers present in Grabs file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| rhenusana | sanmed24 | 84.15 CHF | 30.65 CHF from the 3rd child |
| Agrisano | AGRIsmart | 78.75 CHF | 33.05 CHF from the 3rd child |
| sana24 | Managed Care | 105.75 CHF | 37.75 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 99.45 CHF | 38.45 CHF from the 3rd child |
| Galenos | Managed Care | 104.35 CHF | 39.15 CHF from the 3rd child |
| Visana | Managed Care | 108.35 CHF | 42.35 CHF from the 3rd child |
| Aquilana | SMARTMED | 90.75 CHF | 42.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 92.25 CHF | 43.55 CHF from the 3rd child |
| CONCORDIA | HMO | 91.55 CHF | 44.95 CHF from the 3rd child |
| Assura | FeminaVita | 79.95 CHF | 78.55 CHF from the 4th child, 77.25 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 108.25 CHF | 79.95 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 108.45 CHF | 80.05 CHF from the 5th child |
| EGK | EGK-Care | 93.95 CHF | 81.05 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 111.25 CHF | 82.15 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 109.15 CHF | 97.75 CHF from the 3rd child |
The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.
Why is the FOPH-approved premium higher than the price shown?
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 83.90 CHF at Agrisano (AGRIsmart) gives 78.75 CHF after redistribution.
Until when can I change health insurer for 2026?
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.
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.