Health insurance premiums 2026 in Niederhelfenschwil (SG)For a child aged 0 to 18
With accident cover: from 63.25 to 160.35 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 |  Assura | FeminaVita | 98.25 | 92.45 | 86.65 | 80.75 | 74.95 | 69.15 | 63.25 |
| 2 | Assura | PreventoMed | 98.25 | 92.45 | 86.65 | 80.75 | 74.95 | 69.15 | 63.25 |
| 3 |  rhenusana | sanmed24 | 100.25 | — | — | 82.75 | — | — | 65.25 |
| 4 | rhenusana | Family doctor | 100.35 | — | — | 82.85 | — | — | 65.35 |
| 5 |  Agrisano | AGRIcontact | 101.65 | — | 91.05 | 85.85 | 80.55 | 75.25 | 69.95 |
| 6 |  ÖKK | HMO model | 101.75 | — | 90.15 | — | 78.45 | — | 66.75 |
| 7 | Assura | Qualimed | 102.35 | 96.55 | 90.75 | 84.85 | 79.05 | 73.25 | 67.35 |
| 8 | Assura | PharMed | 102.35 | 96.55 | 90.75 | 84.85 | 79.05 | 73.25 | 67.35 |
| 9 |  CSS | Hausarztversicherung Profit | 103.05 | 97.25 | 91.45 | 85.55 | 79.75 | — | 68.05 |
| 10 | Agrisano | AGRIeco | 103.45 | — | 92.65 | 87.35 | 81.95 | 76.55 | 71.25 |
| 11 | ÖKK | Family doctor | 104.15 | — | 92.55 | — | 80.85 | — | 69.15 |
| 12 | ÖKK | Select | 104.15 | — | 92.55 | — | 80.85 | — | 69.15 |
| 13 |  KPT | KPTwin.smart | 105.75 | — | 96.55 | — | 87.15 | — | 77.85 |
| 14 |  Helsana | BeneFit PLUS Hausarzt R2 | 105.95 | — | — | — | — | 76.85 | — |
| 15 | Helsana | BeneFit PLUS Hausarzt R1 | 105.95 | — | — | — | — | 76.85 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
Without accident cover: from 58.55 to 148.85 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 | Assura | FeminaVita | 91.05 | 85.65 | 80.25 | 74.75 | 69.35 | 63.95 | 58.55 |
| 2 | Assura | PreventoMed | 91.05 | 85.65 | 80.25 | 74.75 | 69.35 | 63.95 | 58.55 |
| 3 | rhenusana | sanmed24 | 92.95 | — | — | 76.65 | — | — | 60.35 |
| 4 | rhenusana | Family doctor | 93.05 | — | — | 76.75 | — | — | 60.45 |
| 5 | ÖKK | HMO model | 94.35 | — | 83.55 | — | 72.65 | — | 61.75 |
| 6 | Assura | Qualimed | 94.85 | 89.45 | 84.05 | 78.55 | 73.25 | 67.85 | 62.35 |
| 7 | Assura | PharMed | 94.85 | 89.45 | 84.05 | 78.55 | 73.25 | 67.85 | 62.35 |
| 8 | CSS | Hausarztversicherung Profit | 95.45 | 90.15 | 84.75 | 79.25 | 73.85 | — | 62.95 |
| 9 | Agrisano | AGRIcontact | 96.35 | — | 86.25 | 81.35 | 76.25 | 71.25 | 66.15 |
| 10 | ÖKK | Family doctor | 96.55 | — | 85.75 | — | 74.85 | — | 63.95 |
| 11 | ÖKK | Select | 96.55 | — | 85.75 | — | 74.85 | — | 63.95 |
| 12 | KPT | KPTwin.smart | 97.95 | — | 89.35 | — | 80.65 | — | 71.95 |
| 13 | Agrisano | AGRIeco | 98.05 | — | 87.75 | 82.75 | 77.55 | 72.45 | 67.45 |
| 14 | Helsana | BeneFit PLUS Hausarzt R2 | 98.25 | — | — | — | — | 71.15 | — |
| 15 | Helsana | BeneFit PLUS Hausarzt R1 | 98.25 | — | — | — | — | 71.15 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Niederhelfenschwil, the cheapest health insurance premium is:
- Without accident cover: 91.05 CHF a month with a 0 CHF deductible (Assura, FeminaVita), 58.55 CHF with a 600 CHF deductible (Assura, FeminaVita).
- With accident cover: 98.25 CHF a month with a 0 CHF deductible (Assura, FeminaVita), 63.25 CHF with a 600 CHF deductible (Assura, FeminaVita).
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Niederhelfenschwil for a child aged 0 to 18?
In 2026, without accident cover: Assura (FeminaVita) at 91.05 CHF a month with a deductible of 0 CHF, and Assura (FeminaVita) at 58.55 CHF with the 600 CHF deductible. With accident cover: Assura (FeminaVita) at 98.25 CHF, and Assura (FeminaVita) at 63.25 CHF.
How much does accident cover cost in basic insurance in Niederhelfenschwil?
For a child aged 0 to 18 with Assura (FeminaVita), the premium rises from 91.05 CHF a month without accident cover to 98.25 CHF with accident cover, at the 0 CHF deductible: 7.20 CHF a month, 86.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.
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 103.40 CHF at Assura (FeminaVita) gives 98.25 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.