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Health insurance premiums 2027 in Luins (VD) For a child aged 0 to 18, deductible of 0 CHF, without accident cover

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106 offersfrom 21 health insurers

Child (0 to 18) · without accident cover · deductible of 0 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Luins (canton Vaud), in 2027, for a child aged 0 to 18 with a 0 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 130.30 CHF with Helsana (Helsana BeneFit PLUS General Practitioner R1 model) and the most expensive is 189.70 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Luins for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Luins is Helsana (Helsana BeneFit PLUS General Practitioner R1) at 130.30 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 148.80 CHF a month.

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

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 130.30 CHF (Helsana, Helsana BeneFit PLUS General Practitioner R1) to 189.70 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 Luins for a child aged 0 to 18 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 131.60 CHF a month with the 0 CHF deductible to 99.10 CHF with the 600 CHF deductible: 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Luins 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 148.80 CHF (Agrisano), family doctor / HMO 130.30 CHF (Helsana), flexible model 133.50 CHF (Helsana), telemedicine 132.10 CHF (Aquilana).

Does a second or third child pay less in Luins?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 13 of the 21 insurers present in Luins file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
VisanaManaged Care136.70 CHF57.20 CHF from the 3rd child
GalenosManaged Care149.10 CHF57.60 CHF from the 3rd child
sana24Managed Care155.40 CHF60.00 CHF from the 3rd child
AquilanaSMARTMED132.10 CHF66.10 CHF from the 3rd child
SWICAFavorit Multichoice149.90 CHF66.10 CHF from the 3rd child
AgrisanoStandard model148.80 CHF67.60 CHF from the 3rd child
CONCORDIAHMO146.10 CHF69.10 CHF from the 3rd child
rhenusanaStandard model181.60 CHF90.80 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)153.60 CHF115.20 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)161.50 CHF121.10 CHF from the 5th child
Groupe Mutuel – AvenirPrimaFlex (Flexible model)162.00 CHF121.50 CHF from the 5th child
AssuraMediTel132.40 CHF130.80 CHF from the 4th child, 129.20 CHF from the 5th child
EGKEGK-Care162.50 CHF150.40 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.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.