# Health insurance premiums 2026 in Grabs (SG), for a child aged 0 to 18, deductible of 400 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Grabs](https://praemiencheck.onedoc.ch/en/sg/grabs/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/grabs/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/), the cheapest monthly basic insurance premium is **63.05 CHF** with **Assura** (FeminaVita model) and the most expensive is 126.45 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 86.35 | 80.55 | 74.75 | 68.85 | 63.05 | 57.25 | 54.15 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 86.35 | 80.55 | 74.75 | 68.85 | 63.05 | 57.25 | 54.15 | +3.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 83.15 | — | 73.15 | 68.15 | 63.15 | 58.05 | 53.05 | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 89.65 | 83.85 | 78.05 | 72.15 | 66.35 | 60.55 | 54.65 | +4.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 87.75 | — | 77.25 | 71.95 | 66.75 | 61.35 | 56.15 | +5.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 89.35 | — | 78.55 | 73.25 | 67.85 | 62.45 | 57.15 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 92.45 | 86.65 | 80.85 | 74.95 | 69.15 | 63.35 | 57.45 | +3.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 92.95 | 87.15 | 81.35 | 75.45 | 69.65 | 63.85 | 57.95 | +3.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 93.05 | 87.25 | 81.45 | 75.55 | 69.75 | — | 58.05 | +3.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 93.25 | — | 81.65 | — | 69.95 | — | 58.25 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 95.45 | — | 83.85 | — | 72.15 | — | 60.45 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 95.45 | — | 83.85 | — | 72.15 | — | 60.45 | +4.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 96.45 | 90.65 | 84.85 | 78.95 | 73.15 | — | 61.45 | +4.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 92.45 | — | 83.05 | — | 73.75 | — | 64.35 | +1.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 97.15 | 91.35 | 85.55 | 79.65 | 73.85 | 68.05 | 62.15 | +9.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 97.15 | — | 85.55 | — | 73.85 | — | 62.15 | +4.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 97.55 | — | 85.85 | 80.05 | 74.25 | 68.35 | 62.55 | +5.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 93.65 | — | 84.25 | — | 74.75 | — | 65.25 | +5.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 98.35 | 92.55 | 86.75 | 80.85 | 75.05 | 69.25 | 63.35 | +9.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 99.55 | 93.75 | 87.95 | 82.05 | 76.35 | 70.45 | 64.55 | +0.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 99.55 | 93.75 | 87.95 | 82.05 | 76.35 | 70.45 | 64.55 | +0.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 100.85 | 95.55 | 89.20 | 83.90 | 77.55 | 72.25 | 65.85 | 0.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 97.95 | 92.85 | 87.85 | 82.75 | 77.65 | 70.85 | — | +4.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 101.35 | 95.55 | 89.75 | 83.85 | 78.05 | 72.25 | 66.35 | +9.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 98.45 | — | 88.65 | — | 78.65 | — | 68.75 | +1.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 102.55 | 96.75 | 90.95 | 85.05 | 79.25 | — | 67.55 | +10.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 102.65 | 96.85 | 91.05 | 85.35 | 79.35 | 73.55 | — | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 99.75 | — | 89.75 | — | 79.65 | — | 69.65 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 103.25 | 97.45 | 91.65 | 85.75 | 79.95 | — | 68.25 | +7.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 105.05 | 99.25 | 93.45 | 87.55 | 81.75 | 75.95 | 70.05 | +3.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 106.65 | — | 95.05 | — | 83.35 | — | 71.65 | +4.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 104.55 | — | 94.15 | — | 83.65 | — | 73.05 | +2.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 106.85 | 101.25 | 95.65 | 90.05 | 84.45 | 77.75 | 72.15 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 108.35 | 102.55 | 96.75 | 90.85 | 85.05 | — | 73.35 | +3.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 108.65 | 102.85 | 97.05 | 91.15 | 85.35 | 79.55 | 73.65 | +0.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 107.35 | — | 98.15 | — | 86.45 | — | 74.75 | +2.2 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Glarnermed-24 | 108.95 | — | — | 92.35 | 86.75 | 81.25 | 75.65 | +2.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 111.05 | 105.25 | 99.45 | 93.55 | 87.75 | 81.95 | 76.05 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 111.95 | 106.15 | 100.35 | 94.45 | 88.65 | 82.85 | 76.95 | −4.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 112.15 | 106.35 | 100.55 | 94.65 | 88.85 | 83.05 | 77.15 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 112.15 | 106.35 | 100.55 | 94.65 | 88.85 | 83.05 | 77.15 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 112.15 | 106.35 | 100.55 | 94.65 | 88.85 | 83.05 | 77.15 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 112.15 | 106.35 | 100.55 | 94.65 | 88.85 | 83.05 | 77.15 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 112.25 | 106.45 | 100.65 | 94.75 | 88.95 | 83.15 | 77.25 | New tariff 2026 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.25 | 107.45 | 101.65 | 95.85 | 89.95 | 84.15 | — | +5.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 113.45 | 107.65 | 101.85 | 95.95 | 90.15 | 84.35 | 78.45 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.45 | 107.65 | 101.85 | 95.95 | 90.15 | 84.35 | 78.45 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 111.25 | — | 102.05 | — | 90.45 | — | 78.75 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 113.75 | 107.95 | 102.05 | 96.25 | 90.45 | 84.55 | 78.75 | −2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 111.95 | — | 102.65 | — | 91.05 | — | 79.35 | +10.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.45 | 108.65 | 102.85 | 96.95 | 91.15 | 85.35 | 79.45 | +7.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 114.45 | 108.65 | 102.85 | — | 91.15 | — | 79.45 | +7.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 114.95 | 109.05 | 103.25 | 97.45 | 91.55 | 85.75 | 79.95 | New tariff 2026 |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.95 | — | — | 97.45 | 91.60 | 85.75 | 79.95 | 0.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.85 | 110.05 | 104.25 | 98.35 | 92.55 | 86.75 | 80.85 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 116.25 | 110.35 | 104.55 | 98.75 | 92.85 | 87.05 | 81.25 | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 116.65 | — | 105.05 | — | 93.35 | — | 81.65 | +1.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 116.75 | 110.95 | 105.15 | 99.25 | 93.45 | 87.65 | 81.75 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 116.95 | 111.15 | 105.35 | 99.45 | 93.65 | 87.85 | 81.95 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.05 | — | 105.45 | — | 93.75 | — | 82.05 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 113.45 | — | 104.25 | — | 93.75 | — | 82.05 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 117.05 | — | 105.45 | — | 93.75 | — | 82.05 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 117.05 | — | 105.45 | — | 93.75 | — | 82.05 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 117.05 | — | 105.45 | — | 93.75 | — | 82.05 | +4.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 117.65 | 111.85 | 106.05 | 100.15 | 94.35 | 88.55 | 82.65 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 117.75 | 111.95 | 106.15 | 100.25 | 94.45 | 88.65 | 82.75 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 117.75 | 111.95 | 106.15 | 100.25 | 94.45 | 88.65 | 82.75 | +7.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 118.15 | 112.35 | 106.55 | 100.65 | 94.85 | 89.05 | 83.15 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 118.15 | 112.35 | 106.55 | 100.65 | 94.85 | 89.05 | 83.15 | 0.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 118.35 | 112.55 | 106.75 | 100.85 | 95.05 | 89.25 | 83.35 | +5.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 118.35 | 112.55 | 106.75 | 100.85 | 95.05 | 89.25 | 83.35 | +5.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 118.65 | 112.85 | 107.05 | — | 95.35 | — | 83.65 | +5.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 116.45 | 111.45 | 106.45 | 101.45 | 96.65 | 91.45 | 86.35 | +13.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 120.05 | 114.25 | 108.45 | 102.55 | 96.75 | 90.95 | 85.05 | +12.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 120.05 | 114.25 | 108.45 | 102.55 | 96.75 | 90.95 | 85.05 | +12.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 100.75 | 99.85 | 98.85 | 97.85 | 96.85 | 95.85 | — | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 100.75 | 99.85 | 98.85 | 97.85 | 96.85 | 95.85 | — | +8.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 120.45 | 114.65 | 108.85 | — | 97.15 | — | 85.45 | +4.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 121.15 | 115.35 | 109.45 | 103.65 | 97.85 | 91.95 | 86.15 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 121.35 | 115.55 | 109.75 | 103.85 | 98.05 | 92.25 | 86.35 | +12.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 121.75 | 115.95 | 110.15 | — | 98.45 | — | 86.75 | +4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 122.25 | 116.45 | 110.65 | 104.75 | 98.95 | 93.15 | 87.25 | 0.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.45 | 116.55 | 110.75 | 104.95 | 99.05 | 93.25 | 87.45 | −6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 122.85 | 117.05 | 111.25 | 105.35 | 99.55 | 93.75 | 87.85 | +4.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 124.15 | 118.35 | 112.55 | 106.65 | 100.85 | 95.05 | 89.15 | +12.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 122.15 | 116.95 | 111.65 | 106.35 | 101.45 | 95.95 | 90.65 | +15.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 123.55 | 118.25 | 112.95 | 107.65 | 102.65 | 97.05 | 91.65 | +15.8 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 126.35 | 120.65 | 117.35 | 108.85 | 103.05 | 97.25 | 91.35 | +17.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 127.35 | — | 115.65 | — | 103.95 | — | 92.35 | +13.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 128.05 | — | 116.45 | — | 104.75 | — | 93.05 | +13.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.65 | 123.75 | 117.95 | 112.15 | 106.25 | 100.45 | 94.65 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.55 | 124.75 | 118.95 | 113.05 | 107.25 | 101.45 | 95.55 | +5.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 131.15 | — | 119.55 | — | 107.85 | — | 96.15 | +12.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.35 | 111.35 | 110.35 | 109.35 | 108.35 | 107.35 | — | +5.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 131.95 | — | 120.25 | — | 108.65 | — | 96.95 | +11.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 131.95 | — | 120.25 | — | 108.65 | — | 96.95 | +11.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.55 | 126.75 | 120.95 | 115.05 | 109.25 | 103.45 | 97.55 | 0.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.85 | 127.05 | 121.25 | — | 109.55 | — | 97.85 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 | 104.25 | 98.45 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 | 104.25 | 98.45 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 133.45 | 127.65 | 121.75 | 115.95 | 110.15 | 104.25 | 98.45 | +6.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 134.65 | 128.85 | 123.05 | 117.15 | 111.35 | 105.55 | 99.65 | +12.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.25 | 130.45 | 124.65 | 118.75 | 113.25 | 107.15 | 101.25 | +15.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.75 | 131.95 | 126.05 | 120.25 | 114.45 | 108.55 | 102.75 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 149.75 | — | 138.15 | — | 126.45 | — | 114.75 | +12.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 90.85 | — | — | 73.45 | — | — | 55.85 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 91.95 | — | — | 74.45 | — | — | 59.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 96.35 | — | — | — | — | 67.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 96.35 | — | — | — | — | 67.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 97.55 | — | — | — | — | 68.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 101.15 | — | — | — | — | 72.05 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 101.15 | — | — | — | — | 72.05 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 101.15 | — | — | — | — | 72.05 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 102.65 | — | — | 85.15 | — | — | 67.75 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 104.85 | — | — | — | — | 75.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 106.05 | — | — | — | — | 76.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.75 | — | — | — | — | 86.65 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Grabs for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/), the cheapest offer in [Grabs](https://praemiencheck.onedoc.ch/en/sg/grabs/) is Assura (FeminaVita) at 63.05 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 74.25 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](https://praemiencheck.onedoc.ch/en/sg/grabs/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/), monthly premiums run from 63.05 CHF (Assura, FeminaVita) to 126.45 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 with accident cover?

On the cheapest offer (Assura, FeminaVita), the premium goes from 86.35 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-0/) to 54.15 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-600/): 32.20 CHF less a month, 386.40 CHF a year. The 600 CHF deductible stays worthwhile up to around 429 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 400 CHF and with accident cover, the cheapest premium per model is: standard model 74.25 CHF (Agrisano), family doctor / HMO 67.85 CHF (Agrisano), flexible model 63.05 CHF (Assura), telemedicine 63.15 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. 14 of the 25 insurers present in Grabs file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 63.15 CHF | 19.65 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 86.45 CHF | 23.65 CHF from the 3rd child |
| Visana | Managed Care | 92.85 CHF | 27.05 CHF from the 3rd child |
| CONCORDIA | HMO | 73.85 CHF | 27.65 CHF from the 3rd child |
| sana24 | Managed Care | 90.15 CHF | 27.95 CHF from the 3rd child |
| Galenos | Managed Care | 88.65 CHF | 29.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 76.35 CHF | 35.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 77.65 CHF | 36.25 CHF from the 3rd child |
| Assura | FeminaVita | 63.05 CHF | 61.55 CHF from the 4th child, 60.05 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 93.45 CHF | 68.85 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 93.65 CHF | 68.95 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 96.75 CHF | 71.25 CHF from the 5th child |
| EGK | EGK-Care | 96.85 CHF | 83.05 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 96.65 CHF | 84.55 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 68.20 CHF at Assura (FeminaVita) gives 63.05 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.

## 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: Grabs is in region 3 of canton St. Gallen.
- 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Grabs (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/grabs/
- Premiums 2026 in Grabs (SG), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/grabs/child/
- Premiums 2026 in Grabs (SG), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/sg/grabs/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/sg/grabs/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-0/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-100/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-200/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-300/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-500/
- Deductible Premiums 2026 in Grabs (SG), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/sg/grabs/child/with-accident/deductible-0/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `grabs` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.