# Health insurance premiums 2026 in Bargen (SH), for a child aged 0 to 18, deductible of 100 CHF, without accident cover

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

In [Bargen](https://praemiencheck.onedoc.ch/en/sh/bargen/) ([canton Schaffhausen](https://praemiencheck.onedoc.ch/en/sh/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sh/bargen/child/) with a 100 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/), the cheapest monthly basic insurance premium is **78.85 CHF** with **Assura** (PharMed model) and the most expensive is 139.85 CHF with Atupri (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (100 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 84.25 | 78.85 | 73.45 | 67.95 | 62.65 | 57.25 | 51.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 87.35 | 81.95 | 76.55 | 71.05 | 65.65 | 60.25 | 54.75 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 87.85 | 82.55 | 77.15 | 71.65 | 66.25 | 60.85 | 55.35 | +3.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 91.45 | 86.05 | 80.65 | 75.15 | 69.75 | 64.35 | 58.85 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 91.45 | 86.05 | 80.65 | 75.15 | 69.75 | 64.35 | 58.85 | +3.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 93.25 | 88.55 | 83.95 | 79.25 | 74.55 | 68.05 | — | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 96.45 | 91.05 | 85.65 | 80.15 | 74.75 | 69.35 | 63.95 | +3.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 97.85 | 92.45 | 87.05 | 81.65 | 76.15 | 70.75 | — | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 98.05 | 93.05 | 88.05 | 82.95 | 78.05 | 73.15 | 67.95 | +2.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 98.05 | 93.05 | 88.05 | 82.95 | 78.05 | 73.15 | 67.95 | +2.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +13.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +13.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +13.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 98.45 | 93.05 | 87.55 | 82.15 | 76.65 | 71.25 | 65.75 | +13.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 99.15 | 93.65 | 88.15 | 82.55 | 77.15 | 71.65 | 66.05 | +5.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 99.15 | 93.65 | 88.15 | 82.55 | 77.15 | 71.65 | 66.05 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 100.15 | 94.75 | 89.35 | 83.85 | 78.45 | — | 67.55 | +4.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 100.95 | 95.45 | 89.95 | 84.35 | 78.95 | 73.45 | 67.85 | +5.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 97.25 | 96.45 | 95.55 | 94.55 | 93.65 | 92.75 | — | +1.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 97.25 | 96.45 | 95.55 | 94.55 | 93.65 | 92.75 | — | +1.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 101.95 | 96.55 | 91.15 | 85.65 | 80.25 | — | 69.35 | +6.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 102.45 | 97.05 | 91.65 | 86.25 | 80.85 | 75.45 | 69.95 | +1.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 102.45 | 97.05 | 91.65 | 86.25 | 80.85 | 75.45 | 69.95 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 103.65 | 98.25 | 92.85 | 87.45 | 82.05 | 76.65 | 71.15 | +2.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 104.75 | 99.35 | 94.05 | 88.55 | 83.15 | 77.75 | 72.25 | +3.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 104.95 | 99.55 | 94.15 | 88.65 | 83.25 | — | 72.35 | +9.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 105.45 | 100.05 | 94.65 | 89.15 | 83.75 | 78.35 | 72.85 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 105.05 | 100.25 | 95.45 | 90.55 | 85.95 | 80.95 | 76.05 | +14.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 106.05 | 100.65 | 95.25 | 89.75 | 84.35 | 78.95 | 73.45 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 106.05 | 100.65 | 95.25 | 89.75 | 84.35 | 78.95 | 73.45 | +3.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 106.05 | 100.65 | 95.25 | 89.85 | 84.45 | 79.05 | 73.55 | +1.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 106.95 | 101.55 | 96.15 | 90.65 | 85.25 | 79.95 | 74.45 | +2.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.95 | 102.55 | 97.15 | 91.85 | 86.35 | 80.95 | — | +4.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 107.55 | 102.65 | 97.65 | 92.75 | 88.05 | 82.85 | 77.85 | +14.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 108.75 | 103.75 | 98.85 | 93.75 | 89.05 | 83.85 | 78.85 | +13.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 109.65 | 104.25 | 98.85 | 93.45 | 88.05 | — | 77.15 | +9.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 110.95 | 105.55 | 100.15 | 94.75 | 89.35 | 83.95 | 78.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 111.95 | 106.55 | 101.15 | 95.70 | 90.30 | 84.90 | 79.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 111.95 | 106.55 | 101.15 | 95.70 | 90.30 | 84.90 | 79.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 111.95 | 106.55 | 101.15 | 95.70 | 90.30 | 84.90 | 79.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 111.95 | 106.55 | 101.15 | 95.70 | 90.30 | 84.90 | 79.40 | New tariff 2026 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.55 | 106.65 | 105.75 | 104.85 | 103.95 | 102.95 | — | +1.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 112.15 | 106.75 | 101.25 | 95.85 | 90.35 | 84.95 | 79.45 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 112.25 | 106.85 | 101.45 | 95.95 | 90.55 | 85.15 | 79.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 113.45 | 108.05 | 102.65 | 97.15 | 91.75 | 86.35 | 80.85 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.95 | 108.45 | 103.05 | 97.55 | 92.15 | 86.65 | 81.25 | −11.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.65 | 109.15 | 103.65 | 98.05 | 92.65 | 87.15 | 81.55 | +4.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.15 | 109.75 | 104.35 | 98.85 | 93.45 | — | 82.65 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.15 | 109.75 | 104.35 | 98.85 | 93.45 | 88.05 | 82.55 | +1.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.75 | 110.35 | 104.95 | 99.45 | 94.05 | 88.65 | 83.15 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 116.95 | 111.45 | 106.05 | 100.55 | 95.15 | 89.65 | 84.25 | +13.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 116.95 | 111.45 | 106.05 | 100.55 | 95.15 | 89.65 | 84.25 | +13.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.95 | 111.65 | 106.25 | 100.75 | 95.35 | 89.95 | 84.45 | +3.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 117.35 | 111.95 | 106.55 | 101.05 | 95.65 | 90.25 | 84.75 | +5.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 117.35 | 111.95 | 106.55 | 101.05 | 95.65 | 90.25 | 84.75 | +5.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.15 | 112.75 | 107.25 | 101.85 | 96.35 | 90.95 | 85.45 | +13.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 118.75 | 113.35 | 107.95 | 102.45 | 97.05 | 91.65 | 86.15 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 119.25 | 113.85 | 108.35 | 102.95 | 97.45 | 92.05 | 86.55 | +2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 119.55 | 114.05 | 108.65 | 103.15 | 97.75 | 92.25 | 86.85 | +7.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.05 | 114.55 | 109.15 | 103.55 | 98.45 | 92.65 | 87.15 | +14.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 121.45 | 116.05 | 110.65 | 105.15 | 99.75 | 94.35 | 88.95 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 123.55 | 118.05 | 112.65 | 107.15 | 101.75 | 96.25 | 90.85 | +2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 126.75 | 121.25 | 115.85 | 110.35 | 104.95 | 99.45 | 94.05 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 127.25 | 121.75 | 116.25 | — | 105.15 | — | 94.05 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 127.25 | 121.75 | 116.25 | — | 105.15 | — | 94.05 | +3.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 130.85 | 125.10 | 119.95 | 114.55 | 107.70 | 102.25 | 96.85 | +7.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 131.55 | 126.05 | 120.65 | 115.15 | 109.75 | 104.25 | 98.85 | −3.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 131.75 | 126.25 | 120.75 | — | 109.65 | — | 98.45 | +3.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 131.75 | 126.25 | 120.75 | — | 109.65 | — | 98.45 | +3.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 131.75 | 126.35 | 120.95 | 115.45 | 110.05 | 104.65 | 99.15 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 131.95 | 126.55 | 121.05 | 115.65 | 110.15 | 104.75 | 99.25 | +2.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 131.95 | 126.55 | 121.05 | 115.65 | 110.15 | 104.75 | 99.25 | +2.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 133.35 | 127.95 | 122.45 | 117.05 | 111.55 | 106.15 | 100.65 | +2.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 136.25 | 130.75 | 125.35 | 119.85 | 114.45 | 108.95 | 103.45 | +2.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 145.35 | 139.85 | 134.35 | — | 123.15 | — | 112.05 | +3.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 85.55 | — | 75.95 | 71.25 | 66.45 | 61.65 | 56.95 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 86.55 | — | 75.85 | — | 64.95 | — | 54.05 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 89.75 | — | 78.95 | — | 68.05 | — | 57.25 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 89.75 | — | 78.95 | — | 68.05 | — | 57.25 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 90.35 | — | 80.25 | 75.25 | 70.25 | 65.15 | 60.25 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 91.35 | — | 80.55 | — | 69.65 | — | 58.75 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 91.85 | — | 81.65 | 76.55 | 71.55 | 66.35 | 61.25 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 93.85 | — | 85.25 | — | 76.55 | — | 67.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 99.85 | — | — | — | — | 72.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 99.85 | — | — | — | — | 72.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 99.85 | — | — | — | — | 72.85 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 100.05 | — | 90.85 | — | 81.65 | — | 72.35 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 100.05 | — | 90.85 | — | 81.65 | — | 72.35 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 100.25 | — | 89.45 | — | 78.55 | — | 67.75 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 100.35 | — | 89.15 | 83.65 | 78.15 | 72.55 | 67.05 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 101.15 | — | — | — | — | 74.05 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 101.25 | — | 91.95 | — | 82.65 | — | 73.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 104.85 | — | — | — | — | 77.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 104.85 | — | — | — | — | 77.75 | — | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 106.05 | — | 97.65 | — | 86.85 | — | 75.95 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 107.35 | — | — | — | — | 80.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 108.55 | — | — | — | — | 81.45 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 109.95 | — | 99.85 | — | 89.75 | — | 79.65 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 114.05 | — | 105.75 | — | 94.85 | — | 84.05 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 115.95 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 116.15 | — | — | 99.85 | — | — | 83.65 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.45 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 118.45 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 118.45 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 118.45 | — | 107.55 | — | 96.75 | — | 85.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.45 | — | — | — | — | 91.45 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 118.55 | — | 107.75 | — | 96.85 | — | 85.95 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 122.15 | — | — | 105.85 | — | — | 89.55 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 126.65 | — | — | 110.45 | — | — | 94.15 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 131.65 | — | 120.75 | — | 109.95 | — | 99.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 131.65 | — | 120.75 | — | 109.95 | — | 99.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 131.65 | — | 120.75 | — | 109.95 | — | 99.05 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 134.65 | — | 123.85 | — | 113.05 | — | 102.15 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 136.25 | — | 125.35 | — | 114.55 | — | 103.75 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 150.25 | — | 139.45 | — | 128.55 | — | 117.65 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Bargen for a child aged 0 to 18 with a deductible of 100 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/), the cheapest offer in [Bargen](https://praemiencheck.onedoc.ch/en/sh/bargen/) is Assura (PharMed) at 78.85 CHF a month.

### How much does health insurance cost in Bargen in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sh/bargen/child/) with a deductible of 100 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/), monthly premiums run from 78.85 CHF (Assura, PharMed) to 139.85 CHF (Atupri, Standard model): 115 offers from 23 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: 103.95 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Assura, PharMed), the premium goes from 84.25 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-0/) to 51.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sh/bargen/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 Bargen 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 100 CHF and without accident cover, the cheapest premium per model is: standard model 91.05 CHF (Assura), family doctor / HMO 78.85 CHF (Assura), flexible model 81.95 CHF (Assura), telemedicine 88.55 CHF (Aquilana).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 12 of the 23 insurers present in Bargen file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 93.05 CHF | 33.95 CHF from the 3rd child |
| Galenos | Tel Doc | 106.75 CHF | 37.05 CHF from the 3rd child |
| sana24 | Managed Care | 113.85 CHF | 39.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 88.55 CHF | 41.75 CHF from the 3rd child |
| CONCORDIA | HMO | 93.65 CHF | 42.75 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 93.05 CHF | 43.95 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed | 97.05 CHF | 71.55 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 99.35 CHF | 73.25 CHF from the 5th child |
| Assura | PharMed | 78.85 CHF | 77.35 CHF from the 4th child, 75.95 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 111.95 CHF | 82.65 CHF from the 5th child |
| EGK | EGK-Care | 96.45 CHF | 82.75 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 100.25 CHF | 89.15 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 84.00 CHF at Assura (PharMed) gives 78.85 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.

## 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: Bargen is in region 2 of canton Schaffhausen.
- 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Bargen (SH): every situation: https://praemiencheck.onedoc.ch/en/sh/bargen/
- Premiums 2026 in Bargen (SH), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sh/bargen/child/
- Premiums 2026 in Bargen (SH), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/sh/bargen/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/sh/bargen/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/with-accident/deductible-100/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-0/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-200/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Bargen (SH), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/sh/bargen/child/no-accident/deductible-0/ — replace `sh` with your canton’s two-letter code (ge, vd, zh…), `bargen` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-100` with `deductible-600` for another deductible. Markdown version: add `.md`.