Health insurance premiums 2026 in Niederhelfenschwil (SG)For a child aged 0 to 18 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, without accident cover, the cheapest health insurance premium is:
- 91.05 CHF a month with a 0 CHF deductible (Assura, FeminaVita)
- 58.55 CHF a month with a 600 CHF deductible (Assura, FeminaVita)
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Frequently asked questions
Which health insurance is the cheapest in Niederhelfenschwil 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 Niederhelfenschwil is Assura (FeminaVita) at 91.05 CHF a month. The cheapest standard model (free choice of doctor) is rhenusana (Standard model) at 105.75 CHF a month.
How much does health insurance cost in Niederhelfenschwil 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 91.05 CHF (Assura, FeminaVita) to 148.85 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: 111.65 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Niederhelfenschwil for a child aged 0 to 18 without accident cover?
On the cheapest offer (Assura, FeminaVita), the premium goes from 91.05 CHF a month with the 0 CHF deductible to 58.55 CHF with the 600 CHF deductible: 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 Niederhelfenschwil 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 105.75 CHF (rhenusana), family doctor / HMO 93.05 CHF (rhenusana), flexible model 91.05 CHF (Assura), telemedicine 92.95 CHF (rhenusana).
Does a second or third child pay less in Niederhelfenschwil?
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 Niederhelfenschwil 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 | 92.95 CHF | 34.15 CHF from the 3rd child |
| Agrisano | AGRIcontact | 96.35 CHF | 40.95 CHF from the 3rd child |
| sana24 | Managed Care | 118.05 CHF | 42.45 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 109.25 CHF | 42.55 CHF from the 3rd child |
| Galenos | Managed Care | 119.35 CHF | 45.15 CHF from the 3rd child |
| Visana | Managed Care | 116.25 CHF | 45.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 100.35 CHF | 47.65 CHF from the 3rd child |
| CONCORDIA | HMO | 101.45 CHF | 50.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 107.35 CHF | 51.15 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 118.65 CHF | 87.75 CHF from the 5th child |
| Assura | FeminaVita | 91.05 CHF | 89.55 CHF from the 4th child, 87.95 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 120.85 CHF | 89.35 CHF from the 5th child |
| EGK | EGK-TelCare | 104.55 CHF | 90.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 123.85 CHF | 91.65 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 123.35 CHF | 110.45 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 96.20 CHF at Assura (FeminaVita) gives 91.05 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.
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.