Health insurance premiums 2026 in Freienbach (SZ)For a child aged 0 to 18 with accident cover
From 52.85 to 147.15 CHF a month depending on the deductible and the model
126 offers from 28 health insurers.
In 2026, for a child aged 0 to 18 in Freienbach, with accident cover, the cheapest health insurance premium is:
- 82.95 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 52.85 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
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Frequently asked questions
Which health insurance is the cheapest in Freienbach for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2026, with accident cover, the cheapest offer in Freienbach is Agrisano (AGRIsmart) at 82.95 CHF a month.
How much does health insurance cost in Freienbach in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 82.95 CHF (Agrisano, AGRIsmart) to 147.15 CHF (Sympany, Standard model): 126 offers from 28 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: 97.35 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Freienbach for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 82.95 CHF a month with the 0 CHF deductible to 52.85 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Freienbach 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 with accident cover, the cheapest premium per model is: standard model 97.25 CHF (Agrisano), family doctor / HMO 89.05 CHF (Agrisano), flexible model 100.45 CHF (Groupe Mutuel – Avenir), telemedicine 82.95 CHF (Agrisano).
Does a second or third child pay less in Freienbach?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 18 of the 28 insurers present in Freienbach file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 82.95 CHF | 34.85 CHF from the 3rd child |
| Galenos | Managed Care | 108.55 CHF | 41.05 CHF from the 3rd child |
| Visana | Managed Care | 111.75 CHF | 43.85 CHF from the 3rd child |
| sana24 | Managed Care | 125.05 CHF | 45.15 CHF from the 3rd child |
| CONCORDIA | HMO | 95.15 CHF | 47.25 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 99.55 CHF | 47.25 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 122.05 CHF | 47.85 CHF from the 3rd child |
| Einsiedler Krankenkasse | Standard model | 102.55 CHF | 48.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 104.05 CHF | 49.45 CHF from the 3rd child |
| rhenusana | sanmed24 | 119.85 CHF | 57.35 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 101.15 CHF | 58.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 100.45 CHF | 74.05 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 109.90 CHF | 74.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 111.45 CHF | 82.35 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 122.75 CHF | 90.85 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 104.65 CHF | 93.65 CHF from the 3rd child |
| EGK | EGK-TelCare | 107.65 CHF | 93.85 CHF from the 3rd child |
| Assura | FeminaVita | 106.45 CHF | 104.75 CHF from the 4th child, 103.15 CHF from the 5th 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 88.10 CHF at Agrisano (AGRIsmart) gives 82.95 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.