# Health insurance premiums 2027 in Zuzwil (SG), for a child aged 0 to 18, deductible of 400 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Zuzwil](https://praemiencheck.onedoc.ch/en/sg/zuzwil/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/) with a 400 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/no-accident/), the cheapest monthly basic insurance premium is **79.70 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 142.40 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 101.30 | — | 90.50 | — | 79.70 | — | 68.80 | +2.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 102.00 | 96.60 | 91.20 | 85.70 | 80.30 | 74.90 | 69.40 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 102.00 | 96.60 | 91.20 | 85.70 | 80.30 | 74.90 | 69.40 | +7.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 103.60 | — | 92.80 | — | 81.90 | — | 71.00 | +2.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 103.60 | — | 92.80 | — | 81.90 | — | 71.00 | +2.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 105.30 | — | 94.50 | — | 83.70 | — | 72.80 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 106.10 | 100.70 | 95.30 | 89.80 | 84.40 | 79.00 | 73.50 | +7.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 106.10 | 100.70 | 95.30 | 89.80 | 84.40 | 79.00 | 73.50 | +7.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 107.00 | 101.60 | 96.20 | 90.70 | 85.30 | — | 74.40 | +8.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 107.20 | — | 97.00 | 92.00 | 86.90 | 81.80 | 76.80 | +6.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 107.70 | — | 97.60 | 92.40 | 87.40 | 82.30 | 77.10 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 109.90 | 104.40 | 98.90 | 93.30 | 87.80 | 82.40 | 76.80 | +3.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 109.80 | 104.40 | 99.00 | 93.50 | 88.10 | 82.70 | 77.20 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 106.20 | — | 97.60 | — | 88.80 | — | 80.20 | +3.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 111.00 | 105.60 | 100.20 | 94.70 | 89.30 | 83.90 | 78.40 | New tariff 2027 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 111.80 | 106.40 | 100.90 | 95.30 | 89.80 | 84.30 | 78.80 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 107.50 | — | 98.80 | — | 89.90 | — | 81.10 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 113.90 | 108.50 | 103.10 | 97.60 | 92.20 | — | 81.30 | +9.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 114.40 | 108.90 | 103.40 | 97.90 | 92.40 | 86.90 | 81.30 | +3.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 111.40 | 106.70 | 102.00 | 97.30 | 92.50 | 85.90 | — | +6.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 115.10 | — | 104.30 | — | 93.40 | — | 82.50 | +2.2 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 114.60 | — | — | 99.00 | 93.80 | 88.50 | 83.30 | −7.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 116.00 | 110.60 | 105.10 | 99.60 | 94.20 | 88.80 | — | −11.2 % |
| [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) | 112.80 | — | 103.60 | — | 94.40 | — | 85.10 | +3.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 116.50 | 111.10 | 105.70 | 100.40 | 94.80 | 89.40 | — | +6.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.10 | — | 106.00 | 100.50 | 95.00 | 89.40 | 83.90 | +5.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 114.10 | — | 104.80 | — | 95.50 | — | 86.10 | +3.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 118.90 | 113.50 | 108.10 | 102.60 | 97.20 | 91.80 | — | −10.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 117.40 | 112.40 | 107.50 | 102.30 | 97.40 | 92.50 | 87.40 | +5.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 117.40 | 112.40 | 107.50 | 102.30 | 97.40 | 92.50 | 87.40 | +5.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 120.10 | 114.70 | 109.30 | 103.80 | 98.40 | — | 87.60 | +10.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 120.10 | 114.70 | 109.30 | 103.80 | 98.40 | — | 87.60 | +10.1 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.60 | — | — | 104.20 | 98.70 | 93.20 | 87.70 | −7.9 % |
| [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 | 119.40 | — | 109.70 | — | 100.00 | — | 90.10 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 121.75 | 116.35 | 110.90 | 105.45 | 100.05 | 94.60 | 89.15 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 123.00 | 117.60 | 112.15 | 106.70 | 101.30 | 95.85 | 90.40 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 123.00 | 117.60 | 112.15 | 106.70 | 101.30 | 95.85 | 90.40 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 123.00 | 117.60 | 112.15 | 106.70 | 101.30 | 95.85 | 90.40 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 123.00 | 117.60 | 112.15 | 106.70 | 101.30 | 95.85 | 90.40 | +5.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 123.00 | 117.60 | 112.15 | 106.70 | 101.30 | 95.85 | 90.40 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.30 | 117.90 | 112.50 | 107.00 | 101.60 | 96.20 | 90.70 | +7.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 124.30 | 118.90 | 113.45 | 108.00 | 102.60 | 97.15 | 91.70 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.80 | 120.40 | 115.00 | 109.60 | 104.20 | — | 93.30 | +9.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.80 | 121.40 | 115.95 | 110.50 | 105.10 | 99.65 | 94.20 | +5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 127.60 | 122.20 | 116.80 | 111.30 | 105.90 | 100.50 | 95.00 | +5.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.00 | 122.60 | 117.20 | 111.80 | 106.30 | 101.00 | — | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.50 | 123.00 | 117.50 | 111.90 | 106.50 | 101.00 | 95.40 | +3.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 130.10 | 124.50 | 119.00 | — | 107.90 | — | 96.80 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 129.90 | 124.50 | 119.00 | 113.60 | 108.10 | 102.70 | 97.20 | +5.3 % |
| [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) | 129.80 | 124.40 | 119.00 | 113.50 | 108.10 | 102.70 | 97.20 | +0.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 130.30 | 125.10 | 119.90 | 113.35 | 108.15 | 101.65 | 96.40 | +3.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 130.10 | 124.60 | 119.20 | 113.70 | 108.30 | 102.80 | 97.40 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 130.10 | 124.60 | 119.20 | 113.70 | 108.30 | 102.80 | 97.40 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 130.60 | 125.10 | 119.70 | 114.20 | 108.70 | 103.30 | 97.80 | +9.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 130.50 | 125.10 | 119.70 | 114.20 | 108.80 | 103.40 | 98.00 | +0.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.30 | 125.90 | 120.40 | 115.00 | 109.60 | 104.10 | — | −9.1 % |
| [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) | 131.20 | 125.80 | 120.40 | 115.00 | 109.60 | 104.20 | 98.70 | +0.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 131.20 | 125.80 | 120.40 | 115.00 | 109.60 | 104.20 | 98.70 | +0.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 132.30 | 126.80 | 121.30 | — | 110.20 | — | 99.10 | +3.8 % |
| [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) | 132.00 | 126.60 | 121.20 | 115.70 | 110.30 | 104.90 | 99.40 | +7.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 132.00 | 126.60 | 121.20 | 115.70 | 110.30 | 104.90 | 99.40 | +7.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 132.60 | 127.10 | 121.70 | 116.20 | 110.70 | 105.30 | 99.80 | +9.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 132.60 | 127.10 | 121.70 | 116.20 | 110.70 | 105.30 | 99.80 | +9.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 133.00 | 127.50 | 122.00 | — | 110.90 | — | 99.80 | +3.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.70 | — | 121.90 | — | 111.00 | — | 100.20 | +3.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 133.50 | 128.10 | 122.70 | 117.20 | 111.80 | 106.40 | 100.90 | +8.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 131.70 | 127.00 | 122.30 | 117.50 | 113.10 | 108.10 | 103.40 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 135.60 | 130.10 | 124.50 | — | 113.40 | — | 102.30 | +3.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 135.80 | 130.20 | 124.70 | — | 113.60 | — | 102.50 | +3.7 % |
| [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) | 136.40 | 131.00 | 125.60 | 120.10 | 114.70 | 109.30 | 103.80 | +7.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.15 | 131.40 | 126.20 | 120.70 | 115.20 | 108.35 | 102.90 | +3.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 122.60 | — | 119.40 | — | 116.20 | — | 106.70 | New tariff 2027 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 138.20 | 132.80 | 127.50 | 122.00 | 116.60 | 111.20 | 105.70 | +11.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 139.30 | — | 128.40 | — | 117.60 | — | 106.70 | +8.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 139.30 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 139.30 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 139.30 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 134.40 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 133.70 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 139.30 | — | 128.40 | — | 117.60 | — | 106.70 | New tariff 2027 |
| [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) | 139.80 | 134.40 | 129.00 | 123.50 | 118.10 | 112.70 | 107.30 | +11.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 139.80 | 134.40 | 129.00 | 123.50 | 118.10 | 112.70 | 107.30 | +11.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 137.80 | 132.90 | 128.00 | 123.00 | 118.30 | 113.20 | 108.20 | +2.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 140.40 | 135.00 | 129.50 | 124.10 | 118.60 | 113.10 | 107.70 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 141.20 | — | 130.30 | — | 119.50 | — | 108.70 | +7.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 141.20 | — | 130.30 | — | 119.50 | — | 108.70 | +8.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 139.30 | 134.40 | 129.40 | 124.30 | 119.60 | 114.40 | 109.40 | +2.8 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.80 | 136.40 | 133.30 | 125.40 | 119.90 | 114.40 | 108.90 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 142.60 | 137.10 | 131.70 | 126.20 | 120.80 | 115.30 | 109.90 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 142.60 | 137.10 | 131.70 | 126.20 | 120.80 | 115.30 | 109.90 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.00 | 138.60 | 133.10 | 127.70 | 122.20 | 116.80 | 111.30 | +5.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.20 | 138.80 | 133.40 | 127.90 | 122.50 | 117.10 | 111.60 | +0.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 144.50 | — | 133.60 | — | 122.80 | — | 111.90 | +7.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 144.50 | — | 133.60 | — | 122.80 | — | 111.90 | +7.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 144.50 | — | 133.60 | — | 122.80 | — | 111.90 | +7.8 % |
| [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) | 144.50 | 139.10 | 133.70 | 128.20 | 122.80 | 117.40 | 111.90 | +11.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 146.30 | 140.80 | 135.40 | 129.90 | 124.50 | 119.00 | 113.60 | +6.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 146.30 | 140.80 | 135.40 | 129.90 | 124.50 | 119.00 | 113.60 | +6.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 146.30 | 140.80 | 135.40 | 129.90 | 124.50 | 119.00 | 113.60 | +6.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 146.30 | 140.80 | 135.40 | 129.90 | 124.50 | 119.00 | 113.60 | +6.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 146.30 | 140.80 | 135.40 | 129.90 | 124.50 | 119.00 | 113.60 | +6.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.80 | 142.30 | 136.80 | — | 125.70 | — | 114.60 | +3.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.50 | 142.10 | 136.70 | 131.20 | 125.80 | 120.40 | 114.90 | +7.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.80 | 142.30 | 136.90 | 131.40 | 126.00 | 120.50 | 115.10 | +6.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 149.50 | 144.00 | 138.60 | 133.10 | 127.70 | 122.20 | 116.70 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 149.50 | 144.00 | 138.60 | 133.10 | 127.70 | 122.20 | 116.70 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 149.50 | 144.00 | 138.60 | 133.10 | 127.70 | 122.20 | 116.70 | +9.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 153.10 | 147.60 | 142.20 | 136.60 | 131.50 | 125.70 | 120.20 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.10 | 148.60 | 143.20 | 137.70 | 132.30 | 126.80 | 121.40 | +8.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.20 | 150.80 | 145.40 | 139.90 | 134.50 | 129.10 | 123.60 | +11.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 164.20 | — | 153.30 | — | 142.40 | — | 131.60 | +7.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 105.40 | — | — | 89.10 | — | — | 72.90 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 106.50 | — | — | 90.30 | — | — | 74.00 | — |
| [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 | 108.10 | — | — | — | — | 81.10 | — | — |
| [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 | 109.40 | — | — | — | — | 82.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 109.40 | — | — | — | — | 82.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 110.60 | — | — | — | — | 83.60 | — | — |
| [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 | 111.90 | — | — | — | — | 84.90 | — | — |
| [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 | 114.40 | — | — | — | — | 87.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 115.60 | — | — | — | — | 88.60 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 117.00 | — | — | 100.80 | — | — | 84.50 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 125.80 | — | — | — | — | 98.70 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Zuzwil for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2027, [without accident cover](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/no-accident/), the cheapest offer in [Zuzwil](https://praemiencheck.onedoc.ch/en/sg/zuzwil/) is ÖKK (ÖKK CASAMED HMO) at 79.70 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/) with a deductible of 400 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/no-accident/), monthly premiums run from 79.70 CHF (ÖKK, ÖKK CASAMED HMO) to 142.40 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: 122.70 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 101.30 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/zuzwil/child/no-accident/deductible-0/) to 68.80 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/zuzwil/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 Zuzwil 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 400 CHF and without accident cover, the cheapest premium per model is: standard model 93.40 CHF (ÖKK), family doctor / HMO 79.70 CHF (ÖKK), flexible model 80.30 CHF (Assura), telemedicine 83.70 CHF (ÖKK).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 14 of the 25 insurers present in Zuzwil file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIcontact | 86.90 CHF | 29.70 CHF from the 3rd child |
| Visana | Managed Care | 108.70 CHF | 34.70 CHF from the 3rd child |
| CONCORDIA | HMO | 87.80 CHF | 35.30 CHF from the 3rd child |
| sana24 | Managed Care | 108.30 CHF | 36.30 CHF from the 3rd child |
| Galenos | Managed Care | 108.10 CHF | 37.90 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 116.20 CHF | 39.10 CHF from the 3rd child |
| Aquilana | SMARTMED | 92.50 CHF | 46.30 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 97.40 CHF | 48.70 CHF from the 3rd child |
| Assura | FeminaVita | 80.30 CHF | 78.80 CHF from the 4th child, 77.20 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 108.10 CHF | 81.10 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 110.30 CHF | 82.70 CHF from the 5th child |
| EGK | EGK-TelCare | 94.20 CHF | 84.30 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 116.60 CHF | 87.40 CHF from the 5th child |
| SLKK | SmartMed | 113.10 CHF | 99.90 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.

## 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: Zuzwil is in region 1 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/zuzwil/child/no-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/sg/zuzwil/child/no-accident/deductible-0/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `zuzwil` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.