# Health insurance premiums 2027 in Lausanne (VD), for a child aged 0 to 18, deductible of 400 CHF, with accident cover

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

In [Lausanne](https://praemiencheck.onedoc.ch/en/vd/lausanne/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/), the cheapest monthly basic insurance premium is **118.20 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 180.60 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 141.50 | 135.70 | 129.90 | 124.00 | 118.20 | — | 106.50 | +8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 142.30 | 136.50 | 130.70 | 124.80 | 119.00 | 113.20 | 107.30 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 144.80 | 139.00 | 133.20 | 127.30 | 121.50 | 115.70 | 109.80 | +3.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 142.00 | 137.00 | 131.90 | 126.90 | 121.80 | 114.00 | — | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 145.60 | 139.80 | 134.00 | 128.10 | 122.30 | 116.50 | 110.60 | New tariff 2027 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 146.30 | 140.40 | 134.60 | 128.80 | 122.90 | 117.10 | 111.30 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 146.30 | 140.50 | 134.70 | 128.80 | 123.00 | — | 111.30 | +7.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 147.30 | 141.50 | 135.70 | 129.80 | 124.00 | 118.20 | 112.30 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 143.10 | — | 133.80 | — | 124.50 | — | 115.10 | −0.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 149.00 | 143.20 | 137.40 | 131.50 | 125.70 | 119.90 | 114.00 | +5.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 150.60 | 144.80 | 139.00 | 133.10 | 127.30 | — | 115.60 | +8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Care network | 150.70 | 144.90 | 139.10 | 133.20 | 127.40 | 121.60 | 115.70 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 146.70 | — | 137.20 | — | 127.60 | — | 118.00 | −3.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 151.90 | 146.10 | 140.30 | — | 128.60 | — | 116.90 | +3.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 148.50 | — | 138.90 | — | 129.10 | — | 119.40 | −0.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 152.60 | — | 141.00 | — | 129.30 | — | 117.60 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 154.30 | 148.50 | 142.60 | 136.80 | 131.00 | 125.10 | 119.30 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 154.30 | 148.50 | 142.60 | 136.80 | 131.00 | 125.10 | 119.30 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 154.40 | 148.60 | 142.80 | 136.90 | 131.10 | — | 119.40 | +9.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 154.50 | 148.70 | 142.90 | 137.00 | 131.20 | 125.40 | 119.50 | +2.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 155.30 | 149.50 | 143.70 | 137.80 | 132.00 | 126.20 | 120.30 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 155.40 | 149.60 | 143.80 | — | 132.10 | — | 120.40 | +2.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.60 | — | 144.90 | 139.10 | 133.30 | 127.40 | 121.60 | +4.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 156.80 | — | 145.20 | — | 133.50 | — | 121.80 | New tariff 2027 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 157.10 | 151.30 | 145.50 | — | 133.80 | — | 122.10 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 153.90 | — | 143.90 | — | 133.80 | — | 123.80 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 157.80 | 152.00 | 146.10 | 140.30 | 134.50 | 128.60 | 122.80 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 158.00 | 152.20 | 146.40 | 140.50 | 134.70 | 128.90 | 123.00 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 159.50 | 153.70 | 147.90 | 142.00 | 136.20 | 130.40 | 124.50 | +2.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 160.90 | 155.10 | 149.30 | 143.40 | 137.60 | 131.80 | 125.90 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 160.90 | 155.10 | 149.30 | 143.40 | 137.60 | 131.80 | 125.90 | +5.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 161.10 | — | 149.50 | — | 137.80 | — | 126.10 | +3.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 161.10 | — | 149.50 | — | 137.80 | — | 126.10 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 162.60 | 156.80 | 151.00 | — | 139.30 | — | 127.60 | −4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 163.20 | 157.40 | 151.60 | 145.80 | 139.90 | 134.10 | — | +5.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 161.00 | — | 150.60 | — | 140.00 | — | 129.50 | −3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 164.60 | 158.80 | 153.00 | 147.10 | 141.30 | — | 129.60 | +8.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 165.20 | 159.40 | 153.60 | 147.70 | 141.90 | 136.10 | 130.20 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 166.10 | 160.30 | 154.50 | 148.60 | 142.80 | 137.00 | 131.10 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 166.10 | 160.30 | 154.50 | 148.60 | 142.80 | 137.00 | 131.10 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 166.30 | 160.40 | 154.60 | 148.80 | 142.90 | 137.10 | 131.30 | +3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 167.00 | 161.20 | 155.40 | 149.50 | 143.70 | 137.90 | 132.00 | +0.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 168.10 | 162.30 | 156.50 | 150.60 | 144.80 | 139.00 | 133.10 | +2.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 169.30 | 163.50 | 157.70 | 151.80 | 146.00 | 140.20 | 134.30 | +5.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 169.50 | — | 157.90 | — | 146.20 | — | 134.50 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 170.50 | 164.70 | 158.90 | 153.00 | 147.20 | 141.40 | 135.50 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 170.50 | 164.70 | 158.90 | 153.00 | 147.20 | 141.40 | 135.50 | +2.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 171.70 | 165.90 | 160.05 | 154.20 | 148.40 | 142.55 | 136.70 | New tariff 2027 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 172.30 | 166.40 | 160.60 | 154.80 | 148.90 | 143.10 | 137.30 | +2.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 173.00 | 167.20 | 161.40 | — | 149.70 | — | 138.00 | +2.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 173.50 | 167.70 | 161.85 | 156.00 | 150.20 | 144.35 | 138.50 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 173.50 | 167.70 | 161.85 | 156.00 | 150.20 | 144.35 | 138.50 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 173.50 | 167.70 | 161.85 | 156.00 | 150.20 | 144.35 | 138.50 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 173.50 | 167.70 | 161.85 | 156.00 | 150.20 | 144.35 | 138.50 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 173.50 | 167.70 | 161.85 | 156.00 | 150.20 | 144.35 | 138.50 | New tariff 2027 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 173.50 | 167.70 | 161.90 | 156.00 | 150.20 | 144.40 | 138.50 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 173.50 | 167.70 | 161.90 | 156.00 | 150.20 | 144.40 | 138.50 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 173.60 | 167.80 | 162.00 | 156.10 | 150.30 | 144.50 | 138.60 | +1.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 174.20 | 168.40 | 162.60 | 156.70 | 150.90 | 145.10 | 139.20 | +1.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 174.20 | 168.40 | 162.60 | 156.70 | 150.90 | 145.10 | — | −5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 174.20 | 168.40 | 162.60 | 156.70 | 150.90 | 145.10 | — | −5.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 174.30 | — | 162.70 | — | 151.00 | — | 139.30 | +2.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 175.20 | 169.40 | 163.60 | 157.70 | 151.90 | 146.10 | 140.20 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 175.25 | 169.45 | 163.60 | 157.75 | 151.95 | 146.10 | 140.25 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 175.30 | 169.50 | 163.60 | 157.80 | 152.00 | 146.10 | 140.30 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 175.60 | 169.80 | 164.00 | 158.10 | 152.30 | 146.50 | 140.60 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 175.60 | 169.80 | 164.00 | 158.10 | 152.30 | 146.50 | 140.60 | +1.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 176.00 | 170.70 | 165.45 | 160.15 | 153.10 | 147.85 | 142.55 | +2.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 177.20 | 171.40 | 165.60 | 159.70 | 153.90 | 148.10 | 142.20 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 177.40 | — | 165.70 | — | 154.10 | — | 142.40 | +1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 177.40 | — | 165.70 | — | 154.10 | — | 142.40 | +1.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.50 | 172.70 | 166.90 | 161.00 | 155.20 | 149.40 | 143.50 | +2.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 178.60 | 172.70 | 166.90 | 161.10 | 155.20 | 149.40 | 143.60 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.85 | 173.05 | 167.20 | 161.35 | 155.55 | 149.70 | 143.85 | +3.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.90 | — | 167.30 | — | 155.60 | — | 143.90 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 180.10 | 174.30 | 168.50 | 162.60 | 156.80 | 151.00 | 145.10 | +1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 161.20 | — | 159.60 | — | 158.00 | — | 148.10 | New tariff 2027 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 181.50 | — | 169.80 | — | 158.10 | — | 146.50 | +1.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 181.40 | 175.60 | 169.80 | 163.90 | 158.10 | 152.30 | 146.40 | +1.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 182.50 | — | 170.80 | — | 159.20 | — | 147.50 | +1.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 183.10 | — | 171.50 | — | 159.80 | — | 148.10 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 183.10 | — | 171.50 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 183.10 | — | 171.50 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 183.10 | — | 171.50 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 163.90 | — | 162.30 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 172.20 | — | 171.50 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 183.10 | — | 171.50 | — | 159.80 | — | 148.10 | New tariff 2027 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 183.50 | 177.70 | 171.90 | 166.00 | 160.20 | 154.40 | 148.50 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 185.10 | 179.30 | 173.40 | 167.60 | 161.80 | 155.90 | 150.10 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 185.10 | 179.30 | 173.40 | 167.60 | 161.80 | 155.90 | 150.10 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 185.10 | 179.30 | 173.40 | 167.60 | 161.80 | 155.90 | 150.10 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 185.10 | 179.30 | 173.40 | 167.60 | 161.80 | 155.90 | 150.10 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 187.00 | 181.10 | 175.30 | 169.50 | 163.60 | 157.80 | 152.00 | +3.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 194.70 | 188.80 | 183.00 | 177.20 | 171.30 | 165.50 | — | −3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 196.10 | 190.30 | 184.50 | 178.60 | 172.80 | 167.00 | 161.10 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 196.80 | 191.00 | 185.20 | 179.30 | 173.50 | 167.70 | 161.80 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 203.90 | — | 192.20 | — | 180.60 | — | 168.90 | +1.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 140.10 | — | — | — | — | 111.00 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 143.50 | — | — | — | — | 114.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 145.20 | — | — | — | — | 116.10 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 145.20 | — | — | — | — | 116.10 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 148.50 | — | — | — | — | 119.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 151.80 | — | — | — | — | 122.70 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 153.50 | — | — | — | — | 124.40 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 166.90 | — | — | — | — | 137.80 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 195.20 | — | — | 177.70 | — | — | 160.20 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Lausanne for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/), the cheapest offer in [Lausanne](https://praemiencheck.onedoc.ch/en/vd/lausanne/) is CSS (Hausarztversicherung Profit) at 118.20 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 133.30 CHF a month.

### How much does health insurance cost in Lausanne in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/), monthly premiums run from 118.20 CHF (CSS, Hausarztversicherung Profit) to 180.60 CHF (Sympany, Standard model): 106 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: 150.20 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 141.50 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-0/) to 106.50 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/lausanne/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 Lausanne 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 400 CHF and with accident cover, the cheapest premium per model is: standard model 133.30 CHF (Agrisano), family doctor / HMO 118.20 CHF (CSS), flexible model 122.30 CHF (Assura), telemedicine 119.00 CHF (Assura).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 12 of the 21 insurers present in Lausanne file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | Managed Care | 122.90 CHF | 39.40 CHF from the 3rd child |
| Galenos | Managed Care | 136.20 CHF | 44.50 CHF from the 3rd child |
| sana24 | Managed Care | 142.90 CHF | 46.30 CHF from the 3rd child |
| Agrisano | Standard model | 133.30 CHF | 47.90 CHF from the 3rd child |
| CONCORDIA | HMO | 131.20 CHF | 49.80 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 158.00 CHF | 56.50 CHF from the 3rd child |
| Aquilana | SMARTMED | 121.80 CHF | 60.90 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 141.90 CHF | 106.40 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 150.30 CHF | 112.70 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex (Flexible model) | 150.90 CHF | 113.20 CHF from the 5th child |
| Assura | MediTel | 119.00 CHF | 117.30 CHF from the 4th child, 115.60 CHF from the 5th child |
| EGK | EGK-Care | 150.90 CHF | 137.90 CHF from the 3rd child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

## 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: Lausanne 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Lausanne (VD): every situation: https://praemiencheck.onedoc.ch/en/vd/lausanne/
- Premiums 2027 in Lausanne (VD), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/
- Premiums 2027 in Lausanne (VD), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/vd/lausanne/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/vd/lausanne/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-0/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-100/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-300/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-500/
- Deductible Premiums 2027 in Lausanne (VD), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/vd/lausanne/child/with-accident/deductible-0/ — replace `vd` with your canton’s two-letter code (ge, vd, zh…), `lausanne` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.