Health insurance premiums 2027 in Cham (ZG)For a child aged 0 to 18 without accident cover
From 39.85 to 124.95 CHF a month depending on the deductible and the model
125 offers from 27 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 68.55 | — | 58.95 | 54.15 | 49.45 | 44.55 | 39.85 |
| 2 |  KPT | KPTwin.smart - GP with app | 70.45 | — | 61.85 | — | 53.05 | — | 46.25 |
| 3 |  Helsana | Helsana BeneFit PLUS General Practitioner R1 | 71.75 | — | — | — | — | 44.65 | — |
| 4 | Helsana | Helsana BeneFit PLUS Telemed | 71.75 | — | — | — | — | 44.65 | — |
| 5 | Helsana | Helsana BeneFit PLUS General Practitioner R2 | 72.55 | — | — | — | — | 45.55 | — |
| 6 | Agrisano | AGRIcontact | 72.75 | — | 62.65 | 57.55 | 52.55 | 47.45 | 42.35 |
| 7 | Agrisano | AGRIeco | 73.25 | — | 62.95 | 57.95 | 52.85 | 47.65 | 42.65 |
| 8 | Helsana | Helsana BeneFit PLUS Flexmed | 73.55 | — | — | — | — | 46.45 | — |
| 9 | Helsana | Helsana BeneFit PLUS General Practitioner R3 | 74.35 | — | — | — | — | 47.25 | — |
| 10 |  ÖKK | ÖKK CASAMED HMO | 74.95 | — | 64.15 | — | 53.25 | — | 44.45 |
| 11 | KPT | KPTwin.plus - HMO GP | 75.15 | — | 66.05 | — | 56.75 | — | 47.55 |
| 12 | KPT | KPTwin.doc - GP (family doctor) | 75.15 | — | 66.05 | — | 56.75 | — | 47.55 |
| 13 |  Assura | FeminaVita | 75.65 | 70.25 | 64.85 | 59.35 | 53.95 | 48.55 | 47.35 |
| 14 | Assura | PreventoMed | 75.65 | 70.25 | 64.85 | 59.35 | 53.95 | 48.55 | 47.35 |
| 15 | KPT | KPTwin.easy - Telemedicine | 76.05 | — | 66.85 | — | 57.45 | — | 48.05 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2027, for a child aged 0 to 18 in Cham, without accident cover, the cheapest health insurance premium is:
- 68.55 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 39.85 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Cham 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 Cham is Agrisano (AGRIsmart) at 68.55 CHF a month.
How much does health insurance cost in Cham 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 68.55 CHF (Agrisano, AGRIsmart) to 124.95 CHF (rhenusana, Standard model): 125 offers from 27 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: 85.95 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Cham for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 68.55 CHF a month with the 0 CHF deductible to 39.85 CHF with the 600 CHF deductible: 28.70 CHF less a month, 344.40 CHF a year. The 600 CHF deductible stays worthwhile up to around 383 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Cham 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 79.95 CHF (Agrisano), family doctor / HMO 71.75 CHF (Helsana), flexible model 73.55 CHF (Helsana), telemedicine 68.55 CHF (Agrisano).
Does a second or third child pay less in Cham?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 17 of the 27 insurers present in Cham file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 68.55 CHF | 28.55 CHF from the 3rd child |
| Visana | Tel Doc | 78.75 CHF | 30.25 CHF from the 3rd child |
| Galenos | Managed Care | 89.85 CHF | 31.85 CHF from the 3rd child |
| sana24 | Managed Care | 90.25 CHF | 33.45 CHF from the 3rd child |
| CONCORDIA | HMO | 77.85 CHF | 35.75 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 90.05 CHF | 37.05 CHF from the 3rd child |
| Aquilana | SMARTMED | 79.45 CHF | 37.35 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 80.15 CHF | 37.75 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 95.55 CHF | 50.45 CHF from the 3rd child |
| rhenusana | sanmed24 | 114.65 CHF | 54.95 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 79.65 CHF | 58.55 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 90.00 CHF | 59.65 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 82.05 CHF | 60.35 CHF from the 5th child |
| SLKK | SmartMed | 76.55 CHF | 68.45 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 94.65 CHF | 69.85 CHF from the 5th child |
| Assura | FeminaVita | 75.65 CHF | 74.05 CHF from the 4th child, 72.45 CHF from the 5th child |
| EGK | EGK-Care | 85.55 CHF | 78.35 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 73.30 CHF at Agrisano (AGRIsmart) gives 68.55 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.
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.