Health insurance premiums 2026 in Lohn (SH)For a child aged 0 to 18 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 Lohn, without accident cover, the cheapest health insurance premium is:
- 84.25 CHF a month with a 0 CHF deductible (Assura, PharMed)
- 51.75 CHF a month with a 600 CHF deductible (Assura, PharMed)
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Frequently asked questions
Which health insurance is the cheapest in Lohn for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Lohn is Assura (PharMed) at 84.25 CHF a month.
How much does health insurance cost in Lohn in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 84.25 CHF (Assura, PharMed) to 150.25 CHF (Sympany, 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 Lohn 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 to 51.75 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 Lohn 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 0 CHF and without accident cover, the cheapest premium per model is: standard model 96.45 CHF (Assura), family doctor / HMO 84.25 CHF (Assura), flexible model 87.35 CHF (Assura), telemedicine 85.55 CHF (Agrisano).
Does a second or third child pay less in Lohn?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 23 insurers present in Lohn file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 85.55 CHF | 35.95 CHF from the 3rd child |
| Visana | Managed Care | 98.45 CHF | 38.25 CHF from the 3rd child |
| Galenos | Tel Doc | 112.15 CHF | 40.25 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 106.05 CHF | 41.25 CHF from the 3rd child |
| sana24 | Managed Care | 119.25 CHF | 42.95 CHF from the 3rd child |
| Aquilana | SMARTMED | 93.25 CHF | 44.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 98.05 CHF | 46.45 CHF from the 3rd child |
| CONCORDIA | HMO | 99.15 CHF | 48.15 CHF from the 3rd child |
| rhenusana | sanmed24 | 116.15 CHF | 55.55 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed | 102.45 CHF | 75.55 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 104.75 CHF | 77.35 CHF from the 5th child |
| Assura | PharMed | 84.25 CHF | 82.75 CHF from the 4th child, 81.25 CHF from the 5th child |
| EGK | EGK-Care | 97.25 CHF | 83.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 117.35 CHF | 86.75 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 105.05 CHF | 93.95 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 89.40 CHF at Assura (PharMed) gives 84.25 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.