# Health insurance premiums 2027 in Yens (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 [Yens](https://praemiencheck.onedoc.ch/en/vd/yens/) ([canton Vaud](https://praemiencheck.onedoc.ch/en/vd/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/yens/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/yens/child/with-accident/), the cheapest monthly basic insurance premium is **113.45 CHF** with **CSS** (Hausarztversicherung Profit model) and the most expensive is 175.85 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 | 136.75 | 130.95 | 125.15 | 119.25 | 113.45 | — | 101.75 | +8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 137.55 | 131.75 | 125.95 | 120.05 | 114.25 | 108.45 | 102.55 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 140.05 | 134.25 | 128.45 | 122.55 | 116.75 | 110.95 | 105.05 | +3.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 137.25 | 132.25 | 127.15 | 122.15 | 117.05 | 109.25 | — | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Hausspital | 140.85 | 135.05 | 129.25 | 123.35 | 117.55 | 111.75 | 105.85 | 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 | 141.55 | 135.65 | 129.85 | 124.05 | 118.15 | 112.35 | 106.55 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 141.55 | 135.75 | 129.95 | 124.05 | 118.25 | — | 106.55 | +7.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 142.55 | 136.75 | 130.95 | 125.05 | 119.25 | 113.45 | 107.55 | +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 | 138.35 | — | 129.05 | — | 119.75 | — | 110.35 | −0.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 144.25 | 138.45 | 132.65 | 126.75 | 120.95 | 115.15 | 109.25 | +5.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 145.85 | 140.05 | 134.25 | 128.35 | 122.55 | — | 110.85 | +8.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Care network | 145.95 | 140.15 | 134.35 | 128.45 | 122.65 | 116.85 | 110.95 | +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) | 141.95 | — | 132.45 | — | 122.85 | — | 113.25 | −3.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 147.15 | 141.35 | 135.55 | — | 123.85 | — | 112.15 | +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 | 143.75 | — | 134.15 | — | 124.35 | — | 114.65 | −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 | 147.85 | — | 136.25 | — | 124.55 | — | 112.85 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 149.55 | 143.75 | 137.85 | 132.05 | 126.25 | 120.35 | 114.55 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 149.55 | 143.75 | 137.85 | 132.05 | 126.25 | 120.35 | 114.55 | 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) | 149.65 | 143.85 | 138.05 | 132.15 | 126.35 | — | 114.65 | +9.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 149.75 | 143.95 | 138.15 | 132.25 | 126.45 | 120.65 | 114.75 | +2.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 150.55 | 144.75 | 138.95 | 133.05 | 127.25 | 121.45 | 115.55 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 150.65 | 144.85 | 139.05 | — | 127.35 | — | 115.65 | +2.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.85 | — | 140.15 | 134.35 | 128.55 | 122.65 | 116.85 | +4.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 152.05 | — | 140.45 | — | 128.75 | — | 117.05 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 152.35 | 146.55 | 140.75 | — | 129.05 | — | 117.35 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 149.15 | — | 139.15 | — | 129.05 | — | 119.05 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 153.05 | 147.25 | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 153.25 | 147.45 | 141.65 | 135.75 | 129.95 | 124.15 | 118.25 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 154.75 | 148.95 | 143.15 | 137.25 | 131.45 | 125.65 | 119.75 | +2.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 156.15 | 150.35 | 144.55 | 138.65 | 132.85 | 127.05 | 121.15 | +5.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 156.15 | 150.35 | 144.55 | 138.65 | 132.85 | 127.05 | 121.15 | +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 | 156.35 | — | 144.75 | — | 133.05 | — | 121.35 | +3.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 156.35 | — | 144.75 | — | 133.05 | — | 121.35 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 157.85 | 152.05 | 146.25 | — | 134.55 | — | 122.85 | −4.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 158.45 | 152.65 | 146.85 | 141.05 | 135.15 | 129.35 | — | +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 | 156.25 | — | 145.85 | — | 135.25 | — | 124.75 | −3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 159.85 | 154.05 | 148.25 | 142.35 | 136.55 | — | 124.85 | +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) | 160.45 | 154.65 | 148.85 | 142.95 | 137.15 | 131.35 | 125.45 | +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) | 161.35 | 155.55 | 149.75 | 143.85 | 138.05 | 132.25 | 126.35 | +0.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 161.35 | 155.55 | 149.75 | 143.85 | 138.05 | 132.25 | 126.35 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 161.55 | 155.65 | 149.85 | 144.05 | 138.15 | 132.35 | 126.55 | +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) | 162.25 | 156.45 | 150.65 | 144.75 | 138.95 | 133.15 | 127.25 | +0.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 163.35 | 157.55 | 151.75 | 145.85 | 140.05 | 134.25 | 128.35 | +2.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 164.55 | 158.75 | 152.95 | 147.05 | 141.25 | 135.45 | 129.55 | +5.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 164.75 | — | 153.15 | — | 141.45 | — | 129.75 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 165.75 | 159.95 | 154.15 | 148.25 | 142.45 | 136.65 | 130.75 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 165.75 | 159.95 | 154.15 | 148.25 | 142.45 | 136.65 | 130.75 | +2.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 166.95 | 161.15 | 155.30 | 149.45 | 143.65 | 137.80 | 131.95 | +3.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 167.55 | 161.65 | 155.85 | 150.05 | 144.15 | 138.35 | 132.55 | +2.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 168.25 | 162.45 | 156.65 | — | 144.95 | — | 133.25 | +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 | 168.75 | 162.95 | 157.10 | 151.25 | 145.45 | 139.60 | 133.75 | +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 | 168.75 | 162.95 | 157.10 | 151.25 | 145.45 | 139.60 | 133.75 | +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 | 168.75 | 162.95 | 157.10 | 151.25 | 145.45 | 139.60 | 133.75 | +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 | 168.75 | 162.95 | 157.10 | 151.25 | 145.45 | 139.60 | 133.75 | +3.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 168.75 | 162.95 | 157.10 | 151.25 | 145.45 | 139.60 | 133.75 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 168.75 | 162.95 | 157.15 | 151.25 | 145.45 | 139.65 | 133.75 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 168.75 | 162.95 | 157.15 | 151.25 | 145.45 | 139.65 | 133.75 | 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) | 168.85 | 163.05 | 157.25 | 151.35 | 145.55 | 139.75 | 133.85 | +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) | 169.45 | 163.65 | 157.85 | 151.95 | 146.15 | 140.35 | 134.45 | +1.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 169.45 | 163.65 | 157.85 | 151.95 | 146.15 | 140.35 | — | −5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 169.45 | 163.65 | 157.85 | 151.95 | 146.15 | 140.35 | — | −5.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 169.55 | — | 157.95 | — | 146.25 | — | 134.55 | +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) | 170.45 | 164.65 | 158.85 | 152.95 | 147.15 | 141.35 | 135.45 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 170.50 | 164.70 | 158.85 | 153.00 | 147.20 | 141.35 | 135.50 | +3.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.55 | 164.75 | 158.85 | 153.05 | 147.25 | 141.35 | 135.55 | 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) | 170.85 | 165.05 | 159.25 | 153.35 | 147.55 | 141.75 | 135.85 | +1.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 170.85 | 165.05 | 159.25 | 153.35 | 147.55 | 141.75 | 135.85 | +1.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 171.25 | 165.95 | 160.70 | 155.40 | 148.35 | 143.10 | 137.80 | +2.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 172.45 | 166.65 | 160.85 | 154.95 | 149.15 | 143.35 | 137.45 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 172.65 | — | 160.95 | — | 149.35 | — | 137.65 | +1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 172.65 | — | 160.95 | — | 149.35 | — | 137.65 | +1.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 173.75 | 167.95 | 162.15 | 156.25 | 150.45 | 144.65 | 138.75 | +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 | 173.85 | 167.95 | 162.15 | 156.35 | 150.45 | 144.65 | 138.85 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 174.10 | 168.30 | 162.45 | 156.60 | 150.80 | 144.95 | 139.10 | +3.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 174.15 | — | 162.55 | — | 150.85 | — | 139.15 | 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) | 175.35 | 169.55 | 163.75 | 157.85 | 152.05 | 146.25 | 140.35 | +1.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 156.45 | — | 154.85 | — | 153.25 | — | 143.35 | +16.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 176.75 | — | 165.05 | — | 153.35 | — | 141.75 | +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) | 176.65 | 170.85 | 165.05 | 159.15 | 153.35 | 147.55 | 141.65 | +1.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 177.75 | — | 166.05 | — | 154.45 | — | 142.75 | +1.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.35 | — | 166.75 | — | 155.05 | — | 143.35 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 178.35 | — | 166.75 | — | 155.05 | — | 143.35 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 178.35 | — | 166.75 | — | 155.05 | — | 143.35 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 178.35 | — | 166.75 | — | 155.05 | — | 143.35 | +5.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 159.15 | — | 157.55 | — | 155.05 | — | 143.35 | +19.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 167.45 | — | 166.75 | — | 155.05 | — | 143.35 | +15.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 178.35 | — | 166.75 | — | 155.05 | — | 143.35 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.75 | 172.95 | 167.15 | 161.25 | 155.45 | 149.65 | 143.75 | +0.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 180.35 | 174.55 | 168.65 | 162.85 | 157.05 | 151.15 | 145.35 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 180.35 | 174.55 | 168.65 | 162.85 | 157.05 | 151.15 | 145.35 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 180.35 | 174.55 | 168.65 | 162.85 | 157.05 | 151.15 | 145.35 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 180.35 | 174.55 | 168.65 | 162.85 | 157.05 | 151.15 | 145.35 | +3.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 182.25 | 176.35 | 170.55 | 164.75 | 158.85 | 153.05 | 147.25 | +3.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 189.95 | 184.05 | 178.25 | 172.45 | 166.55 | 160.75 | — | −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 * | 191.35 | 185.55 | 179.75 | 173.85 | 168.05 | 162.25 | 156.35 | +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 * | 192.05 | 186.25 | 180.45 | 174.55 | 168.75 | 162.95 | 157.05 | +1.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 199.15 | — | 187.45 | — | 175.85 | — | 164.15 | +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 | 135.35 | — | — | — | — | 106.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 138.75 | — | — | — | — | 109.65 | — | — |
| [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 | 140.45 | — | — | — | — | 111.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 140.45 | — | — | — | — | 111.35 | — | — |
| [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 | 143.75 | — | — | — | — | 114.65 | — | — |
| [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 | 147.05 | — | — | — | — | 117.95 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 148.75 | — | — | — | — | 119.65 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 162.15 | — | — | — | — | 133.05 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 190.45 | — | — | 172.95 | — | — | 155.45 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Yens 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/yens/child/with-accident/), the cheapest offer in [Yens](https://praemiencheck.onedoc.ch/en/vd/yens/) is CSS (Hausarztversicherung Profit) at 113.45 CHF a month. The cheapest standard model (free choice of doctor) is Agrisano (Standard model) at 128.55 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/vd/yens/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/vd/yens/child/with-accident/), monthly premiums run from 113.45 CHF (CSS, Hausarztversicherung Profit) to 175.85 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: 145.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 136.75 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/yens/child/with-accident/deductible-0/) to 101.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/vd/yens/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 Yens 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 128.55 CHF (Agrisano), family doctor / HMO 113.45 CHF (CSS), flexible model 117.55 CHF (Assura), telemedicine 114.25 CHF (Assura).

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

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 Yens 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 | 118.15 CHF | 34.65 CHF from the 3rd child |
| Galenos | Managed Care | 131.45 CHF | 39.75 CHF from the 3rd child |
| sana24 | Managed Care | 138.15 CHF | 41.55 CHF from the 3rd child |
| Agrisano | Standard model | 128.55 CHF | 43.15 CHF from the 3rd child |
| CONCORDIA | HMO | 126.45 CHF | 45.05 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 153.25 CHF | 51.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 117.05 CHF | 56.15 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 137.15 CHF | 101.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 145.55 CHF | 107.95 CHF from the 5th child |
| Groupe Mutuel – Avenir | PrimaFlex (Flexible model) | 146.15 CHF | 108.45 CHF from the 5th child |
| Assura | MediTel | 114.25 CHF | 112.55 CHF from the 4th child, 110.85 CHF from the 5th child |
| EGK | EGK-Care | 146.15 CHF | 133.15 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 118.20 CHF at CSS (Hausarztversicherung Profit) gives 113.45 CHF after redistribution.

### 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: Yens 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/yens/child/with-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/vd/yens/child/with-accident/deductible-0/ — replace `vd` with your canton’s two-letter code (ge, vd, zh…), `yens` 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`.