Health insurance premiums 2026 in Cham (ZG)For a child aged 0 to 18 with accident cover
From 40.05 to 128.95 CHF a month depending on the deductible and the model
124 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 | — | 58.45 | 53.55 | 48.55 | 43.45 | 40.05 |
| 2 |  KPT | KPTwin.smart | 71.85 | — | 62.65 | — | 53.25 | — | 47.55 |
| 3 | Agrisano | AGRIcontact | 72.45 | — | 61.85 | 56.55 | 51.35 | 45.95 | 40.75 |
| 4 | Agrisano | AGRIeco | 73.65 | — | 62.95 | 57.55 | 52.25 | 46.85 | 41.45 |
| 5 | KPT | KPTwin.plus | 76.75 | — | 66.85 | — | 56.95 | — | 47.55 |
| 6 | KPT | KPTwin.doc | 76.75 | — | 66.85 | — | 56.95 | — | 47.55 |
| 7 |  CONCORDIA | HMO | 77.25 | 71.45 | 65.65 | 59.75 | 53.95 | 48.15 | 45.05 |
| 8 |  SLKK | SLKK-SmartMed | 77.25 | 72.15 | 67.05 | 61.85 | 56.95 | 51.65 | 46.45 |
| 9 | KPT | KPTwin.easy | 77.65 | — | 67.65 | — | 57.65 | — | 47.55 |
| 10 |  CSS | HMO (health practice) | 78.05 | 72.25 | 66.45 | 60.55 | 54.75 | — | 45.45 |
| 11 |  ÖKK | HMO model | 78.35 | — | 66.75 | — | 55.05 | — | 46.45 |
| 12 |  Helsana | BeneFit PLUS Hausarzt R1 | 78.85 | — | — | — | — | 49.75 | — |
| 13 | Helsana | BeneFit PLUS Flexmed R1 | 78.85 | — | — | — | — | 49.75 | — |
| 14 | Helsana | BeneFit PLUS Telmed | 78.85 | — | — | — | — | 49.75 | — |
| 15 |  Visana | Tel Doc | 78.95 | 73.05 | 67.25 | 61.45 | 55.55 | 49.75 | 48.55 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Cham, with accident cover, the cheapest health insurance premium is:
- 68.55 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 40.05 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, with accident cover?
In 2026, with 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 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 68.55 CHF (Agrisano, AGRIsmart) to 128.95 CHF (rhenusana, Standard model): 124 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: 81.15 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 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 68.55 CHF a month with the 0 CHF deductible to 40.05 CHF with the 600 CHF deductible: 28.50 CHF less a month, 342.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 380 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 with accident cover, the cheapest premium per model is: standard model 80.55 CHF (Agrisano), family doctor / HMO 73.65 CHF (Agrisano), flexible model 78.85 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 2026. 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 with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 68.55 CHF | 28.35 CHF from the 3rd child |
| Visana | Tel Doc | 78.95 CHF | 30.15 CHF from the 3rd child |
| Galenos | Managed Care | 91.85 CHF | 32.35 CHF from the 3rd child |
| sana24 | Managed Care | 91.85 CHF | 33.85 CHF from the 3rd child |
| SWICA | FAVORIT MEDPHARM | 89.55 CHF | 34.35 CHF from the 3rd child |
| CONCORDIA | HMO | 77.25 CHF | 35.15 CHF from the 3rd child |
| Aquilana | SMARTMED | 81.95 CHF | 38.45 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 90.85 CHF | 42.85 CHF from the 3rd child |
| rhenusana | sanmed24 | 118.25 CHF | 56.55 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 99.95 CHF | 57.95 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 85.05 CHF | 62.55 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 87.15 CHF | 64.15 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 98.75 CHF | 65.50 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 77.25 CHF | 68.95 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 100.55 CHF | 74.15 CHF from the 5th child |
| Assura | FeminaVita | 79.55 CHF | 77.85 CHF from the 4th child, 76.25 CHF from the 5th child |
| EGK | EGK-Care | 91.35 CHF | 79.75 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 73.70 CHF at Agrisano (AGRIsmart) gives 68.55 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.
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.