Health insurance premiums 2026 in Gächlingen (SH)For a child aged 0 to 18
With accident cover: from 55.95 to 161.85 CHF a month depending on the deductible and the model
115 offers from 23 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 90.35 | — | 80.25 | 75.25 | 70.25 | 65.15 | 60.25 |
| 2 |  Assura | PharMed | 90.95 | 85.15 | 79.35 | 73.45 | 67.65 | 61.85 | 55.95 |
| 3 |  ÖKK | HMO model | 93.45 | — | 81.85 | — | 70.15 | — | 58.45 |
| 4 | Assura | Qualimed | 94.25 | 88.45 | 82.65 | 76.75 | 70.95 | 65.15 | 59.25 |
| 5 | Assura | Family doctor | 94.85 | 89.05 | 83.25 | 77.35 | 71.55 | 65.75 | 59.85 |
| 6 | Agrisano | AGRIcontact | 95.35 | — | 84.75 | 79.45 | 74.25 | 68.85 | 63.65 |
| 7 | ÖKK | Family doctor | 96.85 | — | 85.25 | — | 73.55 | — | 61.85 |
| 8 | ÖKK | Select | 96.85 | — | 85.25 | — | 73.55 | — | 61.85 |
| 9 | Agrisano | AGRIeco | 96.95 | — | 86.25 | 80.85 | 75.55 | 70.15 | 64.75 |
| 10 | ÖKK | Telemedicine | 98.55 | — | 86.95 | — | 75.25 | — | 63.55 |
| 11 | Assura | FeminaVita | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 |
| 12 | Assura | PreventoMed | 98.65 | 92.85 | 87.05 | 81.15 | 75.35 | 69.55 | 63.65 |
| 13 |  Aquilana | SMARTMED | 100.65 | 95.65 | 90.55 | 85.55 | 80.45 | 73.55 | — |
| 14 |  KPT | KPTwin.smart | 101.35 | — | 92.15 | — | 82.75 | — | 73.35 |
| 15 | Assura | Standard model | 104.05 | 98.25 | 92.45 | 86.55 | 80.75 | 74.95 | 69.05 |
| See all | See all | See all | See all | See all | See all | See all | |||
Without accident cover: from 51.75 to 150.25 CHF a month depending on the deductible and the model
115 offers from 23 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 | Assura | PharMed | 84.25 | 78.85 | 73.45 | 67.95 | 62.65 | 57.25 | 51.75 |
| 2 | Agrisano | AGRIsmart | 85.55 | — | 75.95 | 71.25 | 66.45 | 61.65 | 56.95 |
| 3 | ÖKK | HMO model | 86.55 | — | 75.85 | — | 64.95 | — | 54.05 |
| 4 | Assura | Qualimed | 87.35 | 81.95 | 76.55 | 71.05 | 65.65 | 60.25 | 54.75 |
| 5 | Assura | Family doctor | 87.85 | 82.55 | 77.15 | 71.65 | 66.25 | 60.85 | 55.35 |
| 6 | ÖKK | Family doctor | 89.75 | — | 78.95 | — | 68.05 | — | 57.25 |
| 7 | ÖKK | Select | 89.75 | — | 78.95 | — | 68.05 | — | 57.25 |
| 8 | Agrisano | AGRIcontact | 90.35 | — | 80.25 | 75.25 | 70.25 | 65.15 | 60.25 |
| 9 | ÖKK | Telemedicine | 91.35 | — | 80.55 | — | 69.65 | — | 58.75 |
| 10 | Assura | FeminaVita | 91.45 | 86.05 | 80.65 | 75.15 | 69.75 | 64.35 | 58.85 |
| 11 | Assura | PreventoMed | 91.45 | 86.05 | 80.65 | 75.15 | 69.75 | 64.35 | 58.85 |
| 12 | Agrisano | AGRIeco | 91.85 | — | 81.65 | 76.55 | 71.55 | 66.35 | 61.25 |
| 13 | Aquilana | SMARTMED | 93.25 | 88.55 | 83.95 | 79.25 | 74.55 | 68.05 | — |
| 14 | KPT | KPTwin.smart | 93.85 | — | 85.25 | — | 76.55 | — | 67.85 |
| 15 | Assura | Standard model | 96.45 | 91.05 | 85.65 | 80.15 | 74.75 | 69.35 | 63.95 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Gächlingen, the cheapest health insurance premium is:
- Without accident cover: 84.25 CHF a month with a 0 CHF deductible (Assura, PharMed), 51.75 CHF with a 600 CHF deductible (Assura, PharMed).
- With accident cover: 90.35 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart), 55.95 CHF with a 600 CHF deductible (Assura, PharMed).
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Gächlingen for a child aged 0 to 18?
In 2026, without accident cover: Assura (PharMed) at 84.25 CHF a month with a deductible of 0 CHF, and Assura (PharMed) at 51.75 CHF with the 600 CHF deductible. With accident cover: Agrisano (AGRIsmart) at 90.35 CHF, and Assura (PharMed) at 55.95 CHF.
How much does accident cover cost in basic insurance in Gächlingen?
For a child aged 0 to 18 with Assura (PharMed), the premium rises from 84.25 CHF a month without accident cover to 90.95 CHF with accident cover, at the 0 CHF deductible: 6.70 CHF a month, 80.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.
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 95.50 CHF at Agrisano (AGRIsmart) gives 90.35 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.