# Health insurance premiums 2027 in Cham (ZG), for a young adult aged 19 to 25 with accident cover

In 2027, for a young adult aged 19 to 25 in Cham, with accident cover, the cheapest health insurance premium is:

- **251.25 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **151.05 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart)

## With accident cover: from 151.05 to 419.05 CHF a month depending on the deductible and the model

125 offers from 27 health insurers. With a deductible of 300 CHF, the cheapest is **251.25 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 419.05 CHF with rhenusana (Standard model).

Lowest premium:
- 300 CHF: 251.25 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/
- 500 CHF: 241.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-500/
- 1'000 CHF: 215.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 188.55 CHF (CONCORDIA, HMO) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 159.45 CHF (CONCORDIA, HMO) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 151.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 251.25 | 241.05 | 215.95 | 190.65 | 165.35 | 151.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 258.55 | 246.95 | 217.75 | 188.55 | 159.45 | 155.45 |
| [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) | 259.45 | 247.95 | 218.95 | 189.45 | 160.45 | 157.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 260.95 | 249.45 | 220.45 | 190.95 | 161.95 | 157.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 261.15 | 254.45 | 220.25 | 191.15 | 168.15 | 160.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 261.65 | 250.05 | 220.85 | 191.65 | 167.85 | 167.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 261.65 | 250.05 | 220.85 | 191.65 | 167.85 | 167.85 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 262.45 | 250.95 | 221.95 | 192.45 | 163.45 | 157.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 265.95 | 255.25 | 228.65 | 201.95 | 175.25 | 155.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 266.15 | 254.55 | 225.35 | 196.15 | 167.05 | 155.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 267.45 | 256.75 | 229.95 | 203.05 | 176.25 | 155.85 |
| [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) | 268.45 | 256.95 | 227.95 | 198.45 | 169.45 | 157.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 269.65 | 257.95 | 228.75 | 199.65 | 170.45 | 162.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 269.65 | 257.95 | 228.75 | 199.65 | 170.45 | 162.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 270.65 | 259.05 | 229.85 | 200.65 | 171.55 | 155.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 272.75 | 261.05 | 231.85 | 202.75 | 173.55 | 162.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 272.75 | 261.05 | 231.85 | 202.75 | 173.55 | 162.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 273.55 | 266.85 | 232.75 | 203.55 | 176.25 | 160.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 274.25 | 262.65 | 233.45 | 204.25 | 175.15 | 162.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 277.25 | 265.65 | 236.45 | 207.25 | 178.15 | 169.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 277.65 | 266.05 | 236.85 | 207.65 | 178.55 | 167.85 |
| [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) | 279.15 | 267.65 | 238.65 | 209.15 | 180.15 | 170.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 279.25 | 267.65 | 238.45 | 209.25 | 180.15 | 167.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 280.95 | 269.35 | 240.15 | 210.95 | 181.85 | 167.85 |
| [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 | 281.25 | 269.65 | 240.45 | 211.25 | 182.15 | 171.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 281.25 | 269.65 | 240.45 | 211.25 | 182.15 | 171.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 282.15 | 271.35 | 244.55 | 217.75 | 191.05 | 166.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 282.15 | 271.35 | 244.55 | 217.75 | 191.05 | 166.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 282.15 | 270.55 | 241.35 | 212.15 | 183.05 | 175.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 282.35 | 270.85 | 241.85 | 212.35 | 183.35 | 170.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 283.65 | 272.05 | 242.85 | 213.65 | 184.55 | 155.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 283.65 | 272.05 | 242.85 | 213.65 | 184.55 | 155.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 284.05 | 272.55 | 243.55 | 214.05 | 185.05 | 177.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 284.15 | 272.55 | 243.35 | 214.15 | 185.05 | 167.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 284.35 | 277.65 | 243.55 | 214.35 | 185.15 | 160.85 |
| [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 | 284.55 | 272.95 | 243.75 | 214.55 | 185.45 | 171.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 286.15 | 276.65 | 252.45 | 228.35 | 201.75 | 175.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 286.95 | 275.35 | 246.15 | 216.95 | 187.85 | 169.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 287.85 | 276.25 | 247.05 | 217.85 | 188.75 | 171.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 288.85 | 277.35 | 248.35 | 218.85 | 189.85 | 170.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 288.95 | 277.35 | 248.15 | 218.95 | 189.85 | 175.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 290.75 | 279.85 | 252.35 | 224.95 | 197.55 | 170.15 |
| [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) | 290.75 | 279.25 | 250.25 | 220.75 | 191.75 | 177.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 290.95 | 279.35 | 250.15 | 220.95 | 191.85 | 162.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 291.15 | 279.45 | 250.35 | 221.15 | 191.95 | 169.85 |
| [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 | 291.15 | 279.55 | 250.35 | 221.15 | 192.05 | 171.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 291.85 | 280.25 | 251.05 | 221.85 | 192.75 | 169.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 291.85 | 280.15 | 250.95 | 221.85 | 192.65 | 168.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 292.05 | 285.45 | 251.25 | 222.05 | 192.95 | 163.75 |
| [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) | 292.15 | 280.65 | 251.65 | 222.15 | 193.15 | 170.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 292.65 | 286.05 | 251.85 | 222.65 | 193.55 | 164.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 293.95 | 282.35 | 253.15 | 223.95 | 194.85 | 165.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 294.05 | 282.45 | 256.55 | 227.45 | 194.95 | 175.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 294.15 | 282.65 | 253.65 | 224.15 | 195.15 | 177.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 294.55 | 282.95 | 253.75 | 224.55 | 195.45 | 166.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 294.55 | 282.95 | 253.75 | 224.55 | 195.45 | 166.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 294.55 | 282.95 | 253.75 | 224.55 | 195.45 | 166.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 294.55 | 282.95 | 253.75 | 224.55 | 195.45 | 166.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 294.90 | 283.25 | 254.10 | 224.90 | 195.75 | 166.60 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 294.90 | 283.25 | 254.10 | 224.90 | 195.75 | 166.60 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 295.05 | 283.45 | 254.25 | 225.05 | 195.95 | 169.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 295.45 | 283.95 | 254.95 | 225.45 | 196.45 | 167.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 295.75 | 284.15 | 254.95 | 225.75 | 196.65 | 175.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 297.45 | 286.75 | 259.95 | 233.05 | 206.25 | 179.45 |
| [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 | 297.65 | 286.05 | 256.85 | 227.65 | 198.55 | 171.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 297.65 | 286.05 | 256.85 | 227.65 | 198.55 | 171.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 297.85 | 286.25 | 257.05 | 227.85 | 198.75 | 169.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 298.05 | 286.40 | 257.25 | 228.05 | 198.90 | 169.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 298.05 | 286.40 | 257.25 | 228.05 | 198.90 | 169.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 298.05 | 286.40 | 257.25 | 228.05 | 198.90 | 169.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 298.05 | 286.40 | 257.25 | 228.05 | 198.90 | 169.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 298.05 | 286.40 | 257.25 | 228.05 | 198.90 | 169.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 298.95 | 287.25 | 258.15 | 228.95 | 199.75 | 170.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 299.55 | 287.95 | 258.75 | 229.65 | 200.45 | 175.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 300.85 | 289.25 | 260.05 | 230.85 | 201.75 | 175.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 300.85 | 290.05 | 262.95 | 235.85 | 208.85 | 181.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 301.35 | 294.65 | 260.45 | 231.35 | 202.15 | 172.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 301.85 | 290.15 | 261.05 | 231.85 | 202.65 | 173.55 |
| [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) | 304.25 | 292.75 | 263.75 | 234.25 | 205.25 | 177.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 304.45 | 297.75 | 263.55 | 234.45 | 205.25 | 176.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 304.95 | 293.35 | 264.15 | 234.95 | 205.85 | 176.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 305.25 | 293.65 | 264.45 | 235.25 | — | 176.95 |
| [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) | 305.25 | 293.65 | 264.45 | 235.25 | — | 176.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 305.25 | 293.65 | 264.45 | 235.25 | — | 176.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 305.25 | 293.65 | 264.45 | 235.25 | — | 176.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 305.85 | 297.55 | 268.35 | 239.15 | 206.65 | 177.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 307.05 | 295.45 | 266.25 | 237.05 | 207.95 | 178.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 307.05 | 295.35 | 266.15 | 237.05 | 207.85 | 178.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 307.40 | 295.75 | 266.60 | 237.40 | 208.25 | 179.10 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 307.55 | 299.15 | 273.35 | 244.25 | 221.75 | 192.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 307.85 | 296.20 | 267.05 | 237.85 | 209.00 | 179.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 311.20 | 299.55 | 270.35 | 242.60 | 215.15 | 187.80 |
| [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 | 311.25 | 299.65 | 270.45 | 241.25 | — | 182.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 311.55 | 299.85 | 270.75 | 241.55 | 212.35 | 183.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 314.25 | 302.55 | 278.45 | 249.25 | 215.05 | 185.85 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 316.05 | 304.55 | 275.25 | 246.05 | 216.95 | 201.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 316.15 | 304.55 | 275.35 | 246.15 | 217.05 | 187.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 317.35 | 305.65 | 276.45 | 247.35 | 218.15 | 193.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 319.35 | 307.75 | 278.55 | 249.35 | 220.25 | 191.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 319.35 | 307.65 | 278.45 | 249.35 | 220.15 | 190.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 319.65 | 308.15 | 279.15 | 249.65 | 220.65 | 191.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 320.95 | 312.65 | 286.85 | 257.65 | 231.85 | 202.65 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 323.25 | 311.65 | 282.45 | 253.25 | 224.15 | 208.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 324.05 | 312.45 | 283.25 | 254.05 | 224.95 | 195.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 327.65 | 319.35 | 290.15 | 260.95 | 231.85 | 202.65 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 327.85 | 316.15 | 287.00 | 257.85 | 228.65 | 199.70 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 328.45 | 316.75 | 287.55 | 258.45 | 229.25 | 200.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 329.65 | 318.05 | 288.85 | 259.75 | 230.55 | 201.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 330.95 | 319.35 | 290.15 | 260.95 | 231.85 | 202.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 331.05 | 319.45 | 290.25 | 261.05 | 231.95 | 202.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 332.15 | 320.55 | 291.35 | 262.15 | — | 203.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 332.95 | 321.45 | 292.45 | 262.95 | 233.95 | 204.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 335.85 | 324.15 | 294.95 | 265.85 | 236.65 | 207.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 336.75 | 325.15 | 295.95 | 266.75 | 237.65 | 208.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 339.55 | 327.85 | 298.65 | 269.55 | 240.35 | 211.15 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 343.55 | 331.95 | 302.75 | 273.55 | 244.45 | 215.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 346.95 | 335.25 | 306.05 | 276.95 | 247.75 | 218.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 354.25 | 342.65 | 313.45 | 284.25 | 255.15 | 225.95 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 355.65 | 344.05 | 314.85 | 285.65 | 256.55 | 227.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 365.35 | 353.75 | 324.55 | 295.35 | 266.25 | 237.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 385.15 | 376.15 | 353.65 | 331.15 | 308.15 | 285.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 404.25 | 392.65 | 363.85 | 334.25 | 310.25 | 287.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 410.25 | 399.85 | 372.90 | 343.85 | 314.80 | 285.75 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 416.65 | 405.05 | 375.85 | 346.65 | 317.55 | 288.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 419.05 | 409.05 | 384.55 | 360.05 | 335.55 | 311.05 |

125 offers from 27 health insurers.: https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident.md

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Cham for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in [Cham](https://praemiencheck.onedoc.ch/en/zg/cham/) is Agrisano (AGRIsmart) at 251.25 CHF a month.

### How much does health insurance cost in Cham in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 251.25 CHF (Agrisano, AGRIsmart) to 419.05 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: 229.95 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Cham for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 251.25 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-300/) to 151.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/deductible-2500/): 100.20 CHF less a month, 1'202.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'636 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Cham for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 291.15 CHF (Agrisano), family doctor / HMO 258.55 CHF (CONCORDIA), flexible model 260.95 CHF (Groupe Mutuel – Mutuel), telemedicine 251.25 CHF (Agrisano).

### 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 256.00 CHF at Agrisano (AGRIsmart) gives 251.25 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.

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/zg/cham/young-adult/with-accident/

## Related pages

- With accident cover: from 151.05 to 419.05 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/zg/cham/young-adult/with-accident/ — replace `zg` with your canton’s two-letter code (ge, vd, zh…) and `cham` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.