# Health insurance premiums 2026 in Denges (VD), for a child aged 0 to 18, deductible of 0 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Denges](https://praemiencheck.onedoc.ch/en/vd/denges/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/denges/child/) with a 0 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/denges/child/with-accident/), the cheapest monthly basic insurance premium is **126.95 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 196.05 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (0 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 126.95 | 121.15 | 115.35 | 109.45 | 103.65 | — | 91.95 | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 128.15 | — | — | — | — | 99.05 | — | +4.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 128.15 | — | — | — | — | 99.05 | — | +4.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 130.85 | 125.85 | 120.85 | 115.75 | 110.65 | 104.25 | — | +4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 133.05 | 127.25 | 121.45 | 115.55 | 109.75 | — | 98.05 | +1.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 133.05 | — | — | — | — | 103.95 | — | +7.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 133.05 | — | — | — | — | 103.95 | — | +8.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 135.05 | 129.25 | 123.45 | 117.55 | 111.75 | 105.95 | 100.05 | +3.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 135.35 | 129.55 | 123.75 | 117.85 | 112.05 | — | 100.35 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 135.85 | 130.05 | 124.25 | 118.35 | 112.55 | 106.75 | 100.85 | +5.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 136.25 | — | — | — | — | 107.15 | — | +7.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 136.25 | — | — | — | — | 107.15 | — | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 137.45 | 131.65 | 125.85 | 119.95 | 114.15 | 108.35 | 102.45 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 138.05 | 132.25 | 126.45 | 120.55 | 114.75 | — | 103.05 | +4.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 138.15 | — | 128.75 | — | 119.45 | — | 110.05 | −0.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 139.05 | 133.25 | 127.45 | 121.55 | 115.75 | 109.95 | 104.05 | +4.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 141.05 | — | — | — | — | 111.95 | — | +8.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 141.15 | 135.25 | 129.45 | 123.65 | 117.75 | 111.95 | 106.15 | +7.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 142.65 | — | — | — | — | 113.55 | — | +8.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 143.05 | 137.25 | 131.45 | — | 119.75 | — | 108.05 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 143.35 | — | 133.85 | — | 124.15 | — | 114.35 | +10.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 143.35 | — | 131.75 | — | 120.05 | — | 108.35 | +2.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 146.15 | — | 134.45 | 128.65 | 122.85 | 116.95 | 111.15 | +10.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 146.25 | 140.45 | 134.65 | 128.75 | 122.95 | 117.15 | 111.25 | +6.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 146.25 | 140.45 | 134.65 | 128.75 | 122.95 | 117.15 | 111.25 | +6.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 146.55 | 140.75 | 134.95 | — | 123.25 | — | 111.55 | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 147.05 | — | 137.15 | — | 127.25 | — | 117.25 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 147.55 | — | 135.95 | — | 124.25 | — | 112.55 | +5.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 148.15 | 142.35 | 136.55 | — | 124.85 | — | 113.15 | +4.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 148.45 | 142.65 | 136.85 | 130.95 | 125.15 | — | 113.45 | +3.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 148.45 | — | 140.25 | — | 128.65 | — | 116.95 | +3.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 148.75 | — | 138.85 | — | 128.75 | — | 118.65 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 148.75 | 142.95 | 137.15 | 131.25 | 125.45 | 119.65 | 113.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 148.75 | 142.95 | 137.15 | 131.25 | 125.45 | 119.65 | 113.75 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 149.15 | 143.35 | 137.45 | 131.65 | 125.85 | 119.95 | 114.15 | +7.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 149.15 | 143.35 | 137.45 | 131.65 | 125.85 | 119.95 | 114.15 | +7.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 149.15 | 143.35 | 137.45 | 131.65 | 125.85 | 119.95 | 114.15 | +7.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 149.75 | 143.95 | 138.15 | 132.25 | 126.45 | 120.65 | 114.75 | +6.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 150.25 | — | 142.05 | — | 130.35 | — | 118.65 | −0.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 151.05 | 145.25 | 139.45 | 133.65 | 127.75 | 121.95 | — | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 151.15 | 145.25 | 139.45 | 133.65 | 127.75 | 121.95 | 116.15 | −25.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 151.65 | — | 140.05 | — | 128.35 | — | 116.65 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 151.65 | — | 140.05 | — | 128.35 | — | 116.65 | +5.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 153.65 | — | 145.55 | — | 133.85 | — | 122.15 | +9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 155.55 | — | — | — | — | 126.45 | — | +8.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 156.15 | 150.25 | 144.45 | 138.65 | 132.75 | 126.95 | 121.15 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 156.85 | 151.05 | 145.25 | 139.35 | 133.55 | 127.75 | 121.85 | +5.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 157.75 | 156.85 | 155.85 | 154.85 | 153.85 | 152.85 | — | +5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 157.75 | 156.85 | 155.85 | 154.85 | 153.85 | 152.85 | — | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 159.15 | 153.35 | 147.55 | 141.65 | 135.85 | 130.05 | 124.15 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 159.55 | 153.75 | 147.85 | 142.05 | 136.25 | 130.35 | 124.55 | −10.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 159.85 | — | 148.25 | — | 136.55 | — | 124.85 | +5.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 160.05 | 154.25 | 148.45 | 142.55 | 136.75 | 130.95 | 125.05 | +6.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 160.05 | 154.25 | 148.45 | 142.55 | 136.75 | 130.95 | 125.05 | +7.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 160.95 | 155.15 | 149.35 | 143.45 | 137.65 | 131.85 | 125.95 | +6.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 160.95 | 155.15 | 149.35 | 143.45 | 137.65 | 131.85 | 125.95 | New tariff 2026 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 161.35 | — | 150.45 | — | 139.65 | — | 128.75 | +4.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 161.85 | 156.05 | 150.25 | 144.35 | 138.55 | 132.75 | 126.85 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 161.85 | 156.05 | 150.25 | 144.35 | 138.55 | 132.75 | 126.85 | 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 | 162.65 | 156.85 | 151.05 | 145.15 | 139.35 | 133.55 | 127.65 | 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 | 162.65 | 156.85 | 151.05 | 145.15 | 139.35 | 133.55 | 127.65 | 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 | 162.65 | 156.85 | 151.05 | 145.15 | 139.35 | 133.55 | 127.65 | 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 | 162.65 | 156.85 | 151.05 | 145.15 | 139.35 | 133.55 | 127.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 162.75 | 156.95 | 151.15 | 145.25 | 139.45 | 133.65 | 127.75 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 163.55 | 157.75 | 151.95 | 146.05 | 140.25 | 134.45 | 128.55 | −23.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 163.65 | 157.85 | 152.05 | — | 140.35 | — | 128.65 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 163.65 | 157.85 | 152.05 | — | 140.35 | — | 128.65 | +4.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 164.15 | — | 155.95 | — | 146.05 | — | 134.35 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 164.45 | 158.65 | 152.85 | 146.95 | 141.15 | 135.35 | 129.45 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 165.95 | — | 154.25 | — | 142.55 | — | 130.95 | +13.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 166.25 | 160.45 | 154.65 | 148.75 | 142.95 | 137.15 | 131.25 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 166.55 | 160.75 | 154.95 | 149.05 | 143.25 | 137.45 | 131.55 | +6.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 166.85 | 161.70 | 156.55 | 149.65 | 144.50 | 139.35 | 132.45 | +6.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 167.25 | 161.45 | 155.65 | 149.75 | 143.95 | 138.15 | 132.25 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 167.85 | 162.05 | 156.25 | 150.35 | 144.55 | 138.75 | 132.85 | +2.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 168.05 | 162.25 | 156.45 | 150.55 | 144.75 | 138.95 | 133.05 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 168.35 | 162.55 | 156.75 | 150.85 | 145.05 | 139.25 | 133.35 | +7.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 168.35 | 162.55 | 156.75 | 150.85 | 145.05 | 139.25 | 133.35 | +7.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | 133.55 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | 133.55 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 169.15 | 163.35 | 157.55 | 151.65 | 145.85 | 140.05 | 134.15 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 169.35 | — | 157.75 | — | 146.05 | — | 134.35 | +3.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 169.35 | — | 157.75 | — | 146.05 | — | 134.35 | +4.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 169.35 | — | 157.75 | — | 146.05 | — | 134.35 | +4.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 169.35 | — | 157.75 | — | 146.05 | — | 134.35 | +3.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 169.85 | 164.05 | 158.25 | 152.35 | 146.55 | 140.75 | 134.85 | +5.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 169.95 | — | 158.25 | — | 146.65 | — | 134.95 | +12.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 169.95 | — | 158.25 | — | 146.65 | — | 134.95 | +14.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 170.15 | 164.35 | 158.45 | 152.65 | 146.85 | 140.95 | 135.15 | +7.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 172.05 | 166.25 | 160.45 | 154.55 | 148.75 | 142.95 | 137.05 | +6.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 173.75 | — | 162.15 | — | 150.45 | — | 138.75 | +4.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 173.95 | — | 162.25 | — | 150.65 | — | 138.95 | +12.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 174.35 | 168.55 | 162.75 | 156.85 | 151.05 | 145.25 | 139.35 | +5.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 174.45 | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 174.45 | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 174.45 | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | +5.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 174.45 | 168.55 | 162.75 | 156.95 | 151.05 | 145.25 | 139.45 | +5.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 174.95 | — | 163.25 | — | 151.65 | — | 139.95 | +12.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 176.25 | 170.35 | 164.55 | 158.75 | 152.85 | 147.05 | 141.25 | +5.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 176.85 | 175.85 | 174.85 | 173.85 | 172.85 | 171.85 | — | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 177.35 | 171.55 | 165.75 | 159.85 | 154.05 | 148.25 | 142.35 | +6.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 182.55 | — | — | 165.05 | — | — | 147.55 | +6.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 188.45 | 182.65 | 176.85 | 170.95 | 165.15 | 159.35 | 153.45 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 188.85 | 183.05 | 177.25 | 171.35 | 165.55 | 159.75 | 153.85 | +5.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 196.05 | — | 184.45 | — | 172.75 | — | 161.05 | +12.7 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Denges for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/vd/denges/child/with-accident/), the cheapest offer in [Denges](https://praemiencheck.onedoc.ch/en/vd/denges/) is CSS (Hausarztversicherung Profit) at 126.95 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 146.15 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/denges/child/) with a deductible of 0 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/denges/child/with-accident/), monthly premiums run from 126.95 CHF (CSS, Hausarztversicherung Profit) to 196.05 CHF (Sympany, Standard model): 105 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: 140.55 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Denges for a child aged 0 to 18 with accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 126.95 CHF a month with the 0 CHF deductible to 91.95 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/denges/child/with-accident/deductible-600/): 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Denges 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 146.15 CHF (Agrisano), family doctor / HMO 126.95 CHF (CSS), flexible model 128.15 CHF (Helsana), telemedicine 130.85 CHF (Aquilana).

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

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 Denges 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 |
| --- | --- | --- | --- |
| Galenos | Managed Care | 151.15 CHF | 55.15 CHF from the 3rd child |
| Visana | Managed Care | 141.15 CHF | 56.05 CHF from the 3rd child |
| sana24 | Managed Care | 156.15 CHF | 57.15 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 148.45 CHF | 58.85 CHF from the 3rd child |
| Aquilana | SMARTMED | 130.85 CHF | 62.85 CHF from the 3rd child |
| Agrisano | Standard model | 146.15 CHF | 63.65 CHF from the 3rd child |
| CONCORDIA | HMO | 146.25 CHF | 66.55 CHF from the 3rd child |
| rhenusana | Standard model | 182.55 CHF | 88.75 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 159.15 CHF | 118.05 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex | 166.25 CHF | 123.45 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 166.55 CHF | 123.65 CHF from the 5th child |
| Assura | PharMed | 135.05 CHF | 133.25 CHF from the 4th child, 131.55 CHF from the 5th child |
| EGK | EGK-Care | 157.75 CHF | 138.95 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 132.10 CHF at CSS (Hausarztversicherung Profit) gives 126.95 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.

## 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: Denges is in region 1 of canton Vaud.
- 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/vd/denges/child/with-accident/deductible-0/

## Related pages

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

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