# Health insurance premiums 2027 in Mörschwil (SG), 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 [Mörschwil](https://praemiencheck.onedoc.ch/en/sg/morschwil/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/) with a 500 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/no-accident/), the cheapest monthly basic insurance premium is **63.15 CHF** with **Assura** (FeminaVita model) and the most expensive is 114.45 CHF with Visana (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 90.25 | 84.85 | 79.45 | 73.95 | 68.55 | 63.15 | 57.75 | +8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 90.25 | 84.85 | 79.45 | 73.95 | 68.55 | 63.15 | 57.75 | +8.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 87.45 | — | 77.85 | 73.05 | 68.35 | 63.45 | 58.75 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 93.65 | 88.25 | 82.85 | 77.35 | 71.95 | 66.55 | 61.05 | +8.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 92.85 | — | 82.65 | 77.65 | 72.45 | 67.35 | 62.35 | +7.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 93.25 | — | 83.15 | 77.95 | 72.95 | 67.85 | 62.75 | +6.3 % |
| [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 | 95.25 | — | — | — | — | 68.25 | — | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 96.45 | 91.05 | 85.65 | 80.25 | 74.85 | 69.45 | 63.95 | +8.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 97.05 | 91.65 | 86.25 | 80.75 | 75.35 | 69.95 | 64.45 | +8.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 97.75 | 92.25 | 86.75 | 81.25 | 75.75 | 70.25 | 64.65 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 97.55 | — | — | — | — | 70.55 | — | +6.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 98.25 | 92.85 | 87.45 | 81.95 | 76.55 | 71.15 | 65.75 | New tariff 2027 |
| [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 | 98.85 | — | — | — | — | 71.75 | — | +6.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 98.85 | — | — | — | — | 71.75 | — | +1.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 99.55 | 94.05 | 88.55 | 82.95 | 77.55 | 72.05 | 66.45 | +4.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 98.45 | 93.75 | 89.05 | 84.35 | 79.65 | 73.15 | — | +7.3 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 99.45 | — | — | 83.75 | 78.55 | 73.35 | 68.15 | −9.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 100.85 | 95.45 | 90.05 | 84.55 | 79.15 | 73.75 | — | −17.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 100.85 | 95.45 | 90.05 | 84.55 | 79.15 | 73.75 | — | −17.2 % |
| [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 R3 | 101.15 | — | — | — | — | 74.05 | — | +4.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 101.85 | — | 90.75 | 85.25 | 79.75 | 74.15 | 68.55 | +6.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 101.85 | 96.45 | 90.95 | 85.35 | 79.85 | 74.35 | 68.85 | +3.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 103.25 | 97.85 | 92.45 | 87.15 | 81.65 | 76.25 | — | +7.6 % |
| [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 | 103.45 | — | — | — | — | 76.35 | — | +2.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 103.45 | — | — | — | — | 76.35 | — | +1.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 101.55 | 96.45 | 91.55 | 86.45 | 81.55 | 76.55 | 71.45 | +5.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 101.55 | 96.45 | 91.55 | 86.45 | 81.55 | 76.55 | 71.45 | +5.0 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 104.85 | — | — | 88.45 | 82.95 | 77.45 | 71.95 | −9.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 109.55 | 104.25 | 98.85 | 93.35 | 87.95 | 82.55 | 77.05 | +8.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 110.75 | 105.35 | 99.95 | 94.45 | 89.05 | 83.65 | 78.15 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 112.95 | — | — | — | — | 85.85 | — | +1.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 113.85 | 108.45 | 103.05 | 97.65 | 92.25 | 86.85 | — | +7.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 114.05 | 108.65 | 103.20 | 97.75 | 92.35 | 86.90 | 81.45 | +6.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.05 | 109.55 | 104.05 | 98.45 | 93.05 | 87.55 | 81.95 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 114.75 | 109.35 | 103.85 | 98.45 | 92.95 | 87.55 | 82.05 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 115.25 | 109.85 | 104.40 | 98.95 | 93.55 | 88.10 | 82.65 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 115.25 | 109.85 | 104.40 | 98.95 | 93.55 | 88.10 | 82.65 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 115.25 | 109.85 | 104.40 | 98.95 | 93.55 | 88.10 | 82.65 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 115.25 | 109.85 | 104.40 | 98.95 | 93.55 | 88.10 | 82.65 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 115.25 | 109.85 | 104.40 | 98.95 | 93.55 | 88.10 | 82.65 | +5.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.55 | 110.15 | 104.65 | 99.25 | 93.85 | 88.35 | — | −14.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 116.10 | 111.30 | 105.25 | 99.20 | 93.15 | 88.35 | 82.25 | +3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 115.95 | 110.55 | 105.15 | 99.65 | 94.25 | 88.85 | 83.45 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 116.50 | 111.10 | 105.65 | 100.20 | 94.80 | 89.35 | 83.95 | +5.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 116.65 | 111.25 | 105.85 | 100.35 | 94.95 | 89.55 | 84.05 | +0.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 113.75 | 109.05 | 104.35 | 99.55 | 95.15 | 90.25 | 85.45 | +3.1 % |
| [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) | 117.25 | 111.95 | 106.55 | 101.05 | 95.65 | 90.25 | 84.75 | +0.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 117.25 | 111.95 | 106.55 | 101.05 | 95.65 | 90.25 | 84.75 | +0.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 118.05 | 112.65 | 107.15 | 101.75 | 96.25 | 90.85 | 85.35 | +7.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.00 | 113.60 | 108.15 | 102.70 | 97.30 | 91.85 | 86.40 | +5.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 119.25 | 113.85 | 108.35 | 102.95 | 97.45 | 92.05 | 86.55 | +5.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 119.25 | 113.85 | 108.35 | 102.95 | 97.45 | 92.05 | 86.55 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 119.65 | 114.15 | 108.75 | 103.25 | 97.85 | 92.35 | 86.95 | +9.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 121.05 | 115.65 | 110.25 | 104.75 | 99.35 | 93.95 | 88.55 | +12.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 121.25 | 115.75 | 110.35 | 104.85 | 99.45 | 93.95 | 88.55 | +9.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 121.25 | 115.75 | 110.35 | 104.85 | 99.45 | 93.95 | 88.55 | +9.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.50 | 117.40 | 111.05 | 105.95 | 99.55 | 94.50 | 88.15 | +4.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 119.25 | 114.35 | 109.45 | 104.45 | 99.75 | 94.65 | 89.65 | +3.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 122.45 | 117.05 | 111.65 | 106.15 | 100.85 | 95.45 | 89.95 | +12.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 122.45 | 117.05 | 111.65 | 106.15 | 100.85 | 95.45 | 89.95 | +12.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 120.65 | 115.65 | 110.75 | 105.65 | 100.95 | 95.75 | 90.65 | +3.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 123.25 | 117.85 | 112.45 | 106.95 | 101.65 | 96.25 | 90.75 | +8.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 123.25 | 117.85 | 112.45 | 106.95 | 101.65 | 96.25 | 90.75 | +8.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 124.65 | 119.35 | 113.95 | 108.45 | 103.05 | 97.65 | 92.15 | +8.5 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.75 | 120.45 | 117.35 | 109.35 | 103.85 | 98.45 | 92.85 | +1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 126.55 | 121.15 | 115.65 | 110.25 | 104.75 | 99.25 | 93.85 | +5.6 % |
| [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) | 126.75 | 121.35 | 115.95 | 110.45 | 105.05 | 99.65 | 94.15 | +12.5 % |
| [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) | 127.55 | 122.15 | 116.75 | 111.25 | 105.85 | 100.45 | 95.05 | +8.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 127.85 | 122.35 | 116.95 | 111.45 | 106.05 | 100.55 | 95.15 | +7.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.85 | 122.45 | 116.95 | 111.55 | 106.05 | 100.65 | 95.15 | +5.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.35 | 123.95 | 118.55 | 113.05 | 107.65 | 102.25 | 96.85 | +0.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.05 | 127.55 | 122.15 | 116.55 | 111.45 | 105.65 | 100.15 | +3.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +7.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.75 | 129.35 | 123.85 | 118.45 | 112.95 | 107.55 | 102.05 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 137.25 | 131.85 | 126.35 | 120.95 | 115.45 | 110.05 | 104.55 | +9.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 137.25 | 131.85 | 126.35 | 120.95 | 115.45 | 110.05 | 104.55 | +9.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 137.25 | 131.85 | 126.35 | 120.95 | 115.45 | 110.05 | 104.55 | +9.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.35 | 131.95 | 126.65 | 121.15 | 115.75 | 110.35 | 104.85 | +12.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 138.25 | 132.85 | 127.45 | 122.05 | 116.65 | 111.25 | 105.75 | +8.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.65 | 136.25 | 130.75 | 125.35 | 119.85 | 114.45 | 108.95 | +9.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 90.25 | — | 79.45 | — | 68.55 | — | 57.75 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 92.15 | — | — | 75.85 | — | — | 59.55 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 92.35 | — | 81.65 | — | 70.75 | — | 59.85 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 92.35 | — | 81.65 | — | 70.75 | — | 59.85 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 92.35 | — | — | 76.15 | — | — | 59.85 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 92.95 | — | 84.35 | — | 75.65 | — | 66.85 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 93.95 | — | 83.15 | — | 72.35 | — | 61.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 94.25 | — | 85.45 | — | 76.65 | — | 67.75 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 97.65 | 92.35 | 86.95 | 81.45 | 76.05 | — | 65.15 | — |
| [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) | 99.05 | — | 89.85 | — | 80.65 | — | 71.45 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 100.25 | — | 90.95 | — | 81.65 | — | 72.25 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 101.15 | 95.75 | 90.45 | 84.95 | 79.55 | — | 68.65 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 101.95 | 96.55 | 91.15 | 85.65 | 80.25 | — | 69.35 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 103.05 | — | — | 86.85 | — | — | 70.55 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 103.15 | — | 92.35 | — | 81.55 | — | 70.65 | — |
| [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 | 105.15 | — | 95.45 | — | 85.65 | — | 75.85 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 106.35 | 100.95 | 95.55 | 90.15 | 84.75 | — | 73.85 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.65 | 106.25 | 100.85 | 95.35 | 89.95 | — | 79.15 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 111.95 | — | 108.15 | — | 101.15 | — | 90.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 112.25 | 106.75 | 101.25 | — | 90.15 | — | 79.05 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 114.05 | 108.55 | 103.05 | — | 91.95 | — | 80.85 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.35 | — | 106.55 | — | 95.65 | — | 84.85 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 119.95 | 114.45 | 108.95 | — | 97.85 | — | 86.75 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 119.95 | 114.45 | 108.95 | — | 97.85 | — | 86.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 120.25 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 122.15 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.85 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 122.85 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 122.85 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 122.85 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 122.85 | — | 111.95 | — | 101.15 | — | 90.25 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.85 | 125.35 | 119.75 | — | 108.65 | — | 97.55 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 138.45 | — | 127.55 | — | 116.75 | — | 105.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 139.25 | — | 128.35 | — | 117.55 | — | 106.75 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 142.65 | — | 131.75 | — | 120.95 | — | 110.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 143.45 | — | 132.55 | — | 121.75 | — | 110.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 143.45 | — | 132.55 | — | 121.75 | — | 110.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 162.65 | — | 151.85 | — | 141.05 | — | 130.15 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Mörschwil 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/sg/morschwil/child/no-accident/), the cheapest offer in [Mörschwil](https://praemiencheck.onedoc.ch/en/sg/morschwil/) is Assura (FeminaVita) at 63.15 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 74.15 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/) with a deductible of 500 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/no-accident/), monthly premiums run from 63.15 CHF (Assura, FeminaVita) to 114.45 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: 106.35 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Assura, FeminaVita), the premium goes from 90.25 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/no-accident/deductible-0/) to 57.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/morschwil/child/no-accident/deductible-600/): 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Mörschwil 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 74.15 CHF (Agrisano), family doctor / HMO 67.85 CHF (Agrisano), flexible model 63.15 CHF (Assura), telemedicine 63.45 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 13 of the 25 insurers present in Mörschwil 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 | 63.45 CHF | 20.85 CHF from the 3rd child |
| sana24 | Managed Care | 90.85 CHF | 26.25 CHF from the 3rd child |
| Galenos | Tel Doc | 87.55 CHF | 26.75 CHF from the 3rd child |
| CONCORDIA | HMO | 70.25 CHF | 28.15 CHF from the 3rd child |
| Visana | Managed Care | 92.35 CHF | 28.25 CHF from the 3rd child |
| Aquilana | SMARTMED | 73.15 CHF | 34.25 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 76.55 CHF | 35.95 CHF from the 3rd child |
| Assura | FeminaVita | 63.15 CHF | 61.75 CHF from the 4th child, 60.35 CHF from the 5th child |
| EGK | EGK-Care | 73.75 CHF | 64.65 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 88.85 CHF | 65.45 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 93.95 CHF | 69.35 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 96.25 CHF | 70.95 CHF from the 5th child |
| SLKK | SmartMed | 90.25 CHF | 78.35 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 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 67.90 CHF at Assura (FeminaVita) gives 63.15 CHF after redistribution.

### 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: Mörschwil is in region 2 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 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/sg/morschwil/child/no-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/sg/morschwil/child/no-accident/deductible-0/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `morschwil` 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`.