Health insurance premiums 2026 in Cham (ZG)For a young adult aged 19 to 25 with accident cover
From 144.65 to 408.00 CHF a month depending on the deductible and the model
124 offers from 27 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 239.55 | 229.45 | 204.45 | 179.35 | 154.25 | 144.65 |
| 2 |  Visana | Combi Care | 240.35 | 233.65 | 199.55 | 170.35 | 154.55 | 150.65 |
| 3 |  CONCORDIA | HMO | 246.65 | 235.05 | 205.85 | 176.65 | 148.05 | 148.05 |
| 4 |  Sympany | casamed pharm | 246.75 | 235.05 | 205.85 | 176.75 | 148.75 | 148.75 |
| 5 | Sympany | casamed hmo | 246.75 | 235.05 | 205.85 | 176.75 | 148.75 | 148.75 |
| 6 | Sympany | FlexHelp 24 | 249.55 | 237.95 | 208.75 | 179.55 | 150.45 | 148.75 |
| 7 | Sympany | callmed 24 | 249.55 | 237.95 | 208.75 | 179.55 | 150.45 | 148.75 |
| 8 | Sympany | casamed hausarzt | 251.05 | 239.35 | 210.15 | 181.05 | 151.85 | 148.75 |
| 9 | Agrisano | AGRIcontact | 252.35 | 241.75 | 215.35 | 188.95 | 162.55 | 146.75 |
| 10 | CONCORDIA | smartDoc | 252.45 | 240.85 | 211.65 | 182.45 | 153.35 | 148.05 |
| 11 |  Groupe Mutuel – Mutuel | OptiMed | 254.75 | 243.25 | 214.25 | 184.75 | 155.75 | 154.65 |
| 12 |  Assura | FeminaVita | 256.05 | 244.45 | 215.25 | 186.05 | 164.05 | 164.05 |
| 13 | Assura | PreventoMed | 256.05 | 244.45 | 215.25 | 186.05 | 164.05 | 164.05 |
| 14 | Groupe Mutuel – Mutuel | PrimaFlex | 256.25 | 244.75 | 215.75 | 186.25 | 157.25 | 154.65 |
| 15 | Agrisano | AGRIeco | 256.55 | 245.85 | 219.05 | 192.15 | 165.35 | 149.35 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Cham, with accident cover, the cheapest health insurance premium is:
- 239.55 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 144.65 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart)
Last modified:
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 2026, with accident cover, the cheapest offer in Cham is Agrisano (AGRIsmart) at 239.55 CHF a month.
How much does health insurance cost in Cham in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 239.55 CHF (Agrisano, AGRIsmart) to 408.00 CHF (Einsiedler Krankenkasse, 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: 222.35 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 239.55 CHF a month with the 300 CHF deductible to 144.65 CHF with the 2'500 CHF deductible: 94.90 CHF less a month, 1'138.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'565 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 279.35 CHF (Agrisano), family doctor / HMO 246.65 CHF (CONCORDIA), flexible model 240.35 CHF (Visana), telemedicine 239.55 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 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 244.70 CHF at Agrisano (AGRIsmart) gives 239.55 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.