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122 offersfrom 25 health insurers

Child (0 to 18) · without accident cover · deductible of 600 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Zuzwil (canton St. Gallen), in 2027, for a child aged 0 to 18 with a 600 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 68.80 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 131.60 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Zuzwil for a child aged 0 to 18 with a deductible of 600 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Zuzwil is ÖKK (ÖKK CASAMED HMO) at 68.80 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 with a deductible of 600 CHF and without accident cover, monthly premiums run from 68.80 CHF (ÖKK, ÖKK CASAMED HMO) to 131.60 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 to 68.80 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 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 600 CHF and without accident cover, the cheapest premium per model is: standard model 82.50 CHF (ÖKK), family doctor / HMO 68.80 CHF (ÖKK), flexible model 69.40 CHF (Assura), telemedicine 72.80 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. 13 of the 25 insurers present in Zuzwil file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIcontact76.80 CHF28.10 CHF from the 3rd child
rhenusanaGeneral practitioner model72.90 CHF29.20 CHF from the 3rd child
sana24Managed Care97.40 CHF30.80 CHF from the 3rd child
GalenosManaged Care97.20 CHF31.30 CHF from the 3rd child
SWICAStandard model106.70 CHF33.00 CHF from the 3rd child
VisanaManaged Care97.80 CHF34.70 CHF from the 3rd child
CONCORDIAHMO76.80 CHF35.30 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor87.40 CHF43.70 CHF from the 3rd child
AssuraFeminaVita69.40 CHF67.90 CHF from the 4th child, 66.40 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)97.20 CHF72.90 CHF from the 5th child
Groupe Mutuel – AvenirOptiMed (Healthcare network)99.40 CHF74.60 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)105.70 CHF79.30 CHF from the 5th child
SLKKSmartMed103.40 CHF90.20 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.