# Health insurance premiums 2026 in Locarno (TI), for a child aged 0 to 18 without accident cover

In 2026, for a child aged 0 to 18 in Locarno, without accident cover, the cheapest health insurance premium is:

- **115.65 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-0/) (Assura, Qualimed)
- **83.05 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-600/) (Assura, Qualimed)

## Without accident cover: from 83.05 to 202.95 CHF a month depending on the deductible and the model

104 offers from 21 health insurers. With a deductible of 0 CHF, the cheapest is **115.65 CHF** a month with **Assura** (Qualimed), the most expensive 202.95 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 115.65 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-0/
- 100 CHF: 110.25 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-100/
- 200 CHF: 104.85 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-200/
- 300 CHF: 99.35 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-300/
- 400 CHF: 93.95 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-400/
- 500 CHF: 88.55 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-500/
- 600 CHF: 83.05 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 115.65 | 110.25 | 104.85 | 99.35 | 93.95 | 88.55 | 83.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 116.95 | — | 107.35 | 102.55 | 97.85 | 93.05 | 88.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | 92.15 | 86.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 123.25 | — | 113.25 | 108.25 | 103.25 | 98.25 | 93.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 124.25 | 118.85 | 113.45 | 107.95 | 102.55 | 97.15 | 91.75 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 124.75 | 120.25 | 115.55 | 110.85 | 105.95 | 99.45 | — |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 125.35 | — | 115.25 | 110.05 | 105.05 | 99.95 | 94.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 126.05 | — | 117.45 | — | 108.75 | — | 100.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 126.05 | — | 117.45 | — | 108.75 | — | 100.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 127.75 | 122.35 | 116.95 | 111.45 | 106.05 | — | 95.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 128.05 | 122.65 | 117.25 | 111.75 | 106.35 | — | 95.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 128.35 | 122.85 | 117.35 | 111.75 | 106.35 | 100.85 | 95.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 129.35 | — | — | — | — | 102.35 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 130.65 | 125.25 | 119.75 | 114.15 | 108.65 | 103.15 | 97.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 130.95 | — | — | — | — | 103.85 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 130.95 | — | — | — | — | 103.85 | — |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 131.45 | 126.05 | 120.65 | 115.15 | 109.75 | 104.35 | 98.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 131.45 | 126.05 | 120.65 | 115.15 | 109.75 | 104.35 | 98.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 132.55 | — | — | — | — | 105.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 134.15 | 128.75 | 123.35 | 117.85 | 112.45 | — | 101.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 134.25 | — | 125.05 | — | 115.85 | — | 106.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 135.45 | 129.95 | 124.45 | 118.85 | 113.45 | 107.95 | 102.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 135.75 | — | — | — | — | 108.75 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 135.75 | — | — | — | — | 108.75 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 135.95 | — | 126.65 | — | 117.25 | — | 107.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 136.75 | — | 125.65 | 120.15 | 114.65 | 109.05 | 103.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 137.55 | — | 128.15 | — | 118.65 | — | 109.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 137.65 | 132.25 | 126.85 | 121.35 | 115.95 | — | 105.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 138.55 | 133.15 | 127.75 | 122.35 | 116.95 | 111.55 | 106.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 140.65 | — | — | — | — | 113.55 | — |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 140.85 | 135.45 | 135.35 | 130.35 | 130.25 | 125.35 | 119.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 141.95 | 141.15 | 140.15 | 139.25 | 138.35 | 137.35 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 142.25 | — | — | — | — | 115.15 | — |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 142.65 | 137.25 | 131.85 | 126.35 | 120.95 | 115.55 | 110.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 143.25 | — | 132.45 | — | 121.55 | — | 110.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 143.25 | 137.75 | 132.25 | 126.85 | 121.35 | 115.95 | 110.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 143.25 | 137.75 | 132.25 | 126.85 | 121.35 | 115.95 | 110.45 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 144.15 | 138.75 | 133.35 | 127.95 | 122.45 | 117.15 | — |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 144.35 | 138.95 | 133.55 | 128.05 | 122.65 | 117.25 | 111.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 146.55 | 141.15 | 135.65 | 130.25 | 124.75 | 119.35 | 113.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 146.65 | 145.85 | 144.85 | 143.95 | 143.05 | 142.05 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 147.05 | 141.65 | 136.25 | 130.75 | 125.45 | — | 114.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 147.95 | 142.65 | 137.25 | 131.75 | 126.35 | 120.95 | 115.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 148.35 | — | 137.55 | — | 126.65 | — | 115.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 148.85 | 143.45 | 138.05 | 132.55 | 127.15 | 121.75 | 116.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 149.35 | 143.95 | 138.55 | 133.05 | 127.65 | 122.25 | 116.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 149.65 | 144.25 | 138.85 | 133.45 | 128.05 | 122.65 | 117.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 149.65 | 144.15 | 138.75 | 133.25 | 127.85 | 122.35 | 116.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 150.55 | 145.15 | 139.75 | 134.25 | 128.85 | 123.45 | 117.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 150.85 | — | 140.05 | — | 129.15 | — | 118.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 151.45 | 146.05 | 140.65 | 135.15 | 129.75 | 124.35 | 118.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 152.25 | 146.85 | 141.55 | 136.05 | 130.65 | 125.25 | 119.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 152.65 | — | 141.85 | — | 130.95 | — | 120.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 152.75 | 147.25 | 141.75 | 136.15 | 130.65 | 125.25 | 119.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 152.95 | 147.55 | 142.15 | 136.65 | 131.25 | 125.85 | 120.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 152.95 | 147.55 | 142.15 | 136.65 | 131.25 | 125.85 | 120.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 152.95 | 147.55 | 142.15 | 136.65 | 131.25 | 125.85 | 120.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 152.95 | 147.55 | 142.15 | 136.65 | 131.25 | 125.85 | 120.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 153.05 | 147.65 | 142.25 | 136.75 | 131.35 | 125.95 | 120.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 153.25 | 147.85 | 142.35 | 136.95 | 131.45 | 126.05 | 120.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 153.55 | 148.05 | 142.65 | 137.15 | 131.75 | 126.25 | 120.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 154.65 | 149.25 | 143.85 | 138.35 | 132.95 | 127.55 | 122.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 155.05 | — | — | — | — | 127.95 | — |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 155.75 | 150.35 | 144.95 | 139.45 | 134.05 | 128.75 | 123.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 156.95 | 151.55 | 146.05 | 140.65 | 135.15 | 129.75 | 124.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 156.95 | 151.55 | 146.05 | 140.65 | 135.15 | 129.75 | 124.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 157.95 | 152.55 | 147.15 | 141.65 | 136.25 | 130.85 | 125.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 158.15 | — | 151.05 | — | 140.15 | — | 129.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 158.85 | — | 148.05 | — | 137.15 | — | 126.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 159.25 | 153.65 | 148.15 | — | 137.05 | — | 125.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 159.55 | 154.05 | 148.55 | — | 137.45 | — | 126.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 160.55 | 159.65 | 158.75 | 157.75 | 156.95 | 156.05 | — |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 161.85 | 156.80 | 151.80 | 145.15 | 140.10 | 133.45 | 128.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 161.85 | 156.45 | 151.05 | 145.55 | 140.15 | 134.75 | 129.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 162.85 | 157.35 | 151.75 | — | 140.65 | — | 129.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 163.15 | 157.75 | 152.35 | 146.85 | 141.45 | 136.05 | 130.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 163.35 | 157.95 | 152.45 | 147.05 | 141.55 | 136.15 | 130.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 165.35 | — | 154.55 | — | 143.65 | — | 132.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 166.55 | 161.05 | 155.45 | — | 144.35 | — | 133.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 168.25 | 162.85 | 157.35 | 151.95 | 146.45 | 141.05 | 135.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 168.85 | 163.45 | 158.05 | 152.55 | 147.15 | 141.75 | 136.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 171.95 | — | — | 155.65 | — | — | 139.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 173.65 | 168.25 | 162.75 | 157.35 | 151.85 | 146.45 | 140.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 173.65 | 168.25 | 162.75 | 157.35 | 151.85 | 146.45 | 140.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 173.65 | 168.25 | 162.75 | 157.35 | 151.85 | 146.45 | 140.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 173.65 | 168.25 | 162.75 | 157.35 | 151.85 | 146.45 | 140.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 173.65 | 168.25 | 162.75 | 157.35 | 151.85 | 146.45 | 140.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 175.55 | 170.05 | 164.55 | 159.15 | 153.65 | 148.25 | 142.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 175.75 | — | 168.55 | — | 157.75 | — | 146.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 175.85 | — | 164.95 | — | 154.25 | — | 143.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 175.85 | — | 164.95 | — | 154.25 | — | 143.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 177.25 | 171.75 | 166.25 | 160.85 | 155.35 | 149.95 | 144.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 177.25 | 171.75 | 166.25 | 160.85 | 155.35 | 149.95 | 144.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 177.25 | 171.75 | 166.25 | 160.85 | 155.35 | 149.95 | 144.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 179.05 | 173.55 | 168.15 | 162.65 | 157.25 | 151.75 | 146.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 179.45 | — | 168.55 | — | 157.75 | — | 146.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 179.45 | — | 168.55 | — | 157.75 | — | 146.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 179.45 | — | 168.55 | — | 157.75 | — | 146.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 179.45 | — | 168.55 | — | 157.75 | — | 146.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 180.05 | — | 169.15 | — | 158.35 | — | 147.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 182.15 | — | 171.25 | — | 160.45 | — | 149.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 182.15 | — | 171.25 | — | 160.45 | — | 149.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 182.45 | 176.95 | 171.45 | — | 160.35 | — | 149.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 202.95 | — | 192.05 | — | 181.15 | — | 170.35 |

104 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Locarno 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 [Locarno](https://praemiencheck.onedoc.ch/en/ti/locarno/) is Assura (Qualimed) at 115.65 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 136.75 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/ti/locarno/child/) with a deductible of 0 CHF and without accident cover, monthly premiums run from 115.65 CHF (Assura, Qualimed) to 202.95 CHF (Sympany, Standard model): 104 offers from 21 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: 144.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Assura, Qualimed), the premium goes from 115.65 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-0/) to 83.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/deductible-600/): 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Locarno 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 136.75 CHF (Agrisano), family doctor / HMO 119.25 CHF (Assura), flexible model 115.65 CHF (Assura), telemedicine 116.95 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 13 of the 21 insurers present in Locarno 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 | 116.95 CHF | 50.35 CHF from the 3rd child |
| sana24 | VIVA – Gesundheitsplan | 140.85 CHF | 51.25 CHF from the 3rd child |
| Galenos | Combi Care | 143.25 CHF | 52.15 CHF from the 3rd child |
| Visana | Managed Care | 149.65 CHF | 59.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 124.75 CHF | 59.85 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 158.15 CHF | 62.95 CHF from the 3rd child |
| CONCORDIA | HMO | 128.35 CHF | 64.55 CHF from the 3rd child |
| rhenusana | Standard model | 171.95 CHF | 83.45 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 142.65 CHF | 105.75 CHF from the 5th child |
| Groupe Mutuel – Mutuel | PrimaCare | 147.95 CHF | 109.75 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex | 150.55 CHF | 111.65 CHF from the 5th child |
| Assura | Qualimed | 115.65 CHF | 114.05 CHF from the 4th child, 112.55 CHF from the 5th child |
| EGK | EGK-TelCare | 141.95 CHF | 123.55 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 120.80 CHF at Assura (Qualimed) gives 115.65 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.

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/ti/locarno/child/no-accident/

## Related pages

- Without accident cover: from 83.05 to 202.95 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/ti/locarno/child/no-accident/ — replace `ti` with your canton’s two-letter code (ge, vd, zh…) and `locarno` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.