Skip to content

122 offersfrom 25 health insurers

Child (0 to 18) · with accident cover · deductible of 100 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Mörschwil (canton St. Gallen), in 2027, for a child aged 0 to 18 with a 100 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 96.30 CHF with Assura (FeminaVita model) and the most expensive is 150.80 CHF with Visana (Standard model).

Last modified:

Frequently asked questions

Which health insurance is the cheapest in Mörschwil for a child aged 0 to 18 with a deductible of 100 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Mörschwil is Assura (FeminaVita) at 96.30 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 with a deductible of 100 CHF and with accident cover, monthly premiums run from 96.30 CHF (Assura, FeminaVita) to 150.80 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 Mörschwil for a child aged 0 to 18 with accident cover?

On the cheapest offer (Assura, FeminaVita), the premium goes from 102.10 CHF a month with the 0 CHF deductible to 67.10 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 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 100 CHF and with accident cover, the cheapest premium per model is: standard model 117.10 CHF (Assura), family doctor / HMO 102.60 CHF (CONCORDIA), flexible model 96.30 CHF (Assura), telemedicine 104.50 CHF (CONCORDIA).

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. 12 of the 25 insurers present in Mörschwil file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
sana24Managed Care125.60 CHF47.30 CHF from the 3rd child
GalenosTel Doc122.00 CHF48.10 CHF from the 3rd child
VisanaManaged Care127.20 CHF50.10 CHF from the 3rd child
CONCORDIAHMO102.60 CHF50.30 CHF from the 3rd child
AquilanaSMARTMED105.90 CHF53.00 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor108.80 CHF54.40 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)124.00 CHF93.00 CHF from the 5th child
AssuraFeminaVita96.30 CHF94.70 CHF from the 4th child, 93.20 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)129.50 CHF97.10 CHF from the 5th child
EGKEGK-Care107.40 CHF97.70 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)131.90 CHF98.90 CHF from the 5th child
SLKKSmartMed121.10 CHF108.50 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.