Health insurance premiums 2026 in Waldkirch (SG)For a young adult aged 19 to 25 without accident cover
From 177.25 to 454.15 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 285.85 | 276.35 | 252.45 | 228.65 | 204.85 | 181.05 |
| 2 |  CSS | HMO (health practice) | 296.55 | 285.75 | 258.55 | 231.45 | 204.35 | 177.25 |
| 3 |  Assura | FeminaVita | 297.35 | 286.55 | 259.35 | 232.25 | 205.15 | 190.85 |
| 4 | Assura | PreventoMed | 297.35 | 286.55 | 259.35 | 232.25 | 205.15 | 190.85 |
| 5 | Agrisano | AGRIcontact | 301.15 | 291.05 | 265.95 | 240.95 | 215.85 | 190.75 |
| 6 |  ÖKK | HMO model | 302.25 | 291.45 | 264.35 | 237.15 | 210.15 | 190.65 |
| 7 | Agrisano | AGRIeco | 306.15 | 295.95 | 270.55 | 244.95 | 219.45 | 194.05 |
| 8 | Assura | Qualimed | 308.35 | 297.55 | 270.35 | 243.25 | 216.15 | 190.85 |
| 9 | ÖKK | Family doctor | 309.25 | 298.45 | 271.25 | 244.15 | 217.05 | 189.95 |
| 10 | ÖKK | Select | 309.25 | 298.45 | 271.25 | 244.15 | 217.05 | 189.95 |
| 11 |  Aquilana | SMARTMED | 309.45 | 300.05 | 276.55 | 252.95 | 229.35 | 205.75 |
| 12 |  rhenusana | sanmed24 | 310.65 | 304.05 | 282.95 | 258.25 | 232.95 | 199.85 |
| 13 | CSS | Hausarztversicherung Profit | 310.85 | 300.15 | 272.95 | 245.75 | 218.75 | 194.35 |
| 14 |  Atupri | HMO | 311.15 | 300.05 | 272.35 | 244.65 | 216.95 | 189.25 |
| 15 |  Sanitas | Family doctor 1 | 311.20 | 300.40 | 273.20 | 246.05 | 218.95 | 191.75 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Waldkirch, without accident cover, the cheapest health insurance premium is:
- 285.85 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 177.25 CHF a month with a 2'500 CHF deductible (CSS, HMO (health practice))
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Frequently asked questions
Which health insurance is the cheapest in Waldkirch for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Waldkirch is Agrisano (AGRIsmart) at 285.85 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 324.45 CHF a month.
How much does health insurance cost in Waldkirch in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 285.85 CHF (Agrisano, AGRIsmart) to 454.15 CHF (SLKK, 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: 274.85 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Waldkirch for a young adult aged 19 to 25 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 285.85 CHF a month with the 300 CHF deductible to 181.05 CHF with the 2'500 CHF deductible: 104.80 CHF less a month, 1'257.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'697 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Waldkirch for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 324.45 CHF (CSS), family doctor / HMO 296.55 CHF (CSS), flexible model 297.35 CHF (Assura), telemedicine 285.85 CHF (Agrisano).
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 291.00 CHF at Agrisano (AGRIsmart) gives 285.85 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.