# Health insurance premiums 2026 in Zug (ZG), for a child aged 0 to 18, deductible of 500 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Zug](https://praemiencheck.onedoc.ch/en/zg/zug/) ([canton Zug](https://praemiencheck.onedoc.ch/en/zg/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zg/zug/child/) with a 500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/), the cheapest monthly basic insurance premium is **43.45 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 95.45 CHF with EGK (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 68.55 | — | 58.45 | 53.55 | 48.55 | 43.45 | 40.05 | −12.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 72.45 | — | 61.85 | 56.55 | 51.35 | 45.95 | 40.75 | −13.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 73.65 | — | 62.95 | 57.55 | 52.25 | 46.85 | 41.45 | −13.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 77.25 | 71.45 | 65.65 | 59.75 | 53.95 | 48.15 | 45.05 | −19.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 78.95 | 73.05 | 67.25 | 61.45 | 55.55 | 49.75 | 48.55 | −14.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 78.85 | — | — | — | — | 49.75 | — | −24.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 78.85 | — | — | — | — | 49.75 | — | −24.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 78.85 | — | — | — | — | 49.75 | — | −21.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 79.15 | 73.35 | 67.55 | 61.65 | 55.85 | 50.05 | 45.05 | −19.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 79.55 | 73.75 | 67.95 | 62.05 | 56.25 | 50.45 | 49.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 79.55 | 73.75 | 67.95 | 62.05 | 56.25 | 50.45 | 49.75 | −7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 79.85 | — | — | — | — | 50.75 | — | −23.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 80.55 | — | 68.85 | 63.05 | 57.25 | 51.35 | 45.55 | −13.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 77.25 | 72.15 | 67.05 | 61.85 | 56.95 | 51.65 | 46.45 | −2.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 81.05 | 75.25 | 69.45 | 63.55 | 57.75 | 51.95 | 46.05 | −19.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 81.85 | — | — | — | — | 52.75 | — | −23.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 81.85 | — | — | — | — | 52.75 | — | New tariff 2026 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 79.05 | 73.85 | 68.65 | 63.35 | 58.35 | 52.95 | 47.55 | −4.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 80.05 | 74.75 | 69.45 | 64.15 | 59.05 | 53.55 | 48.15 | −4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 82.85 | 77.05 | 71.25 | 65.35 | 59.55 | 53.75 | 48.55 | −14.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 82.85 | 77.05 | 71.25 | 65.35 | 59.55 | 53.75 | 48.55 | −14.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 81.95 | 76.95 | 71.95 | 66.85 | 61.75 | 55.15 | — | −16.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 84.65 | 78.85 | 73.05 | 67.15 | 61.35 | 55.55 | 49.75 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 84.75 | — | — | — | — | 55.65 | — | −22.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 85.05 | 79.25 | 73.45 | 67.55 | 61.75 | 55.95 | 50.05 | −17.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 85.15 | 79.35 | 73.55 | 67.65 | 61.85 | 56.05 | 50.15 | −7.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 85.55 | 79.75 | 73.95 | 68.05 | 62.25 | 56.45 | 50.55 | −17.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 85.65 | 79.85 | 74.05 | 68.15 | 62.35 | 56.55 | 50.65 | −7.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 85.75 | — | — | — | — | 56.65 | — | −22.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 85.85 | 80.05 | 74.25 | 68.45 | 62.55 | 56.75 | — | −16.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 86.05 | 80.25 | 74.45 | 68.55 | 62.75 | 56.95 | 51.05 | −17.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 86.05 | 80.25 | 74.45 | 68.55 | 62.75 | 56.95 | 51.05 | −17.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 87.15 | 81.35 | 75.55 | 69.65 | 63.85 | 58.05 | 52.15 | −20.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 87.15 | 81.35 | 75.55 | 69.65 | 63.85 | 58.05 | 52.15 | −20.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 88.25 | 82.45 | 76.65 | 70.75 | 64.95 | 59.15 | 53.25 | −19.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 88.45 | 82.65 | 76.85 | 70.95 | 65.45 | 59.35 | 53.45 | −4.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 89.55 | 83.75 | 77.95 | 72.05 | 66.25 | 60.45 | 54.55 | −19.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 90.25 | 84.45 | 78.65 | 72.75 | 66.95 | 61.15 | 55.25 | −19.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 91.85 | 85.95 | 80.15 | 74.35 | 68.45 | 62.65 | 56.85 | −18.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 91.85 | 85.95 | 80.15 | 74.35 | 68.45 | 62.65 | 56.85 | −21.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 90.85 | 85.45 | 80.15 | 74.65 | 69.35 | 64.05 | 58.55 | −5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 90.85 | 85.45 | 80.15 | 74.65 | 69.35 | 64.05 | 58.55 | −5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 93.85 | 88.05 | 82.15 | 76.35 | 70.55 | 64.65 | 58.85 | −13.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 93.85 | 88.05 | 82.15 | 76.35 | 70.55 | 64.65 | 58.85 | −13.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 93.85 | 88.05 | 82.15 | 76.35 | 70.55 | 64.65 | 58.85 | −13.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 93.75 | — | — | — | — | 64.65 | — | −21.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 94.25 | 88.45 | 82.55 | 76.75 | 70.95 | 65.05 | 59.25 | −15.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 94.85 | 89.05 | 83.15 | 77.35 | 71.55 | 65.65 | 59.85 | −13.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 94.85 | 89.05 | 83.25 | 77.45 | 71.55 | 65.75 | — | −16.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 95.05 | 89.25 | 83.45 | 77.55 | 71.75 | 65.95 | 60.05 | −16.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 95.25 | 89.45 | 83.55 | 77.75 | 71.95 | 66.05 | 60.25 | −21.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 95.45 | 89.65 | 83.75 | 77.95 | 72.15 | 66.25 | 60.45 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 96.85 | 91.05 | 85.25 | 79.35 | 73.55 | 67.75 | 61.85 | −7.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 97.95 | 92.15 | 86.35 | 80.45 | 74.65 | 68.85 | 62.95 | −19.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 98.75 | 92.90 | 87.10 | 81.25 | 75.40 | 69.60 | 63.75 | 0.0 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 98.75 | 92.95 | 87.15 | 81.25 | 75.45 | 69.65 | 63.75 | 0.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 98.85 | 93.05 | 87.25 | 81.35 | 75.55 | 69.75 | 63.85 | New tariff 2026 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 99.15 | 93.45 | 87.55 | 81.65 | 75.85 | 70.05 | 64.15 | −5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 | 70.35 | 64.55 | −20.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 | 70.35 | 64.55 | −20.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 | 70.35 | 64.55 | −20.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 99.85 | 94.00 | 88.20 | 82.35 | 76.50 | 70.70 | 64.85 | −0.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 99.90 | 94.10 | 88.30 | 82.40 | 76.60 | 70.80 | 64.90 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 99.90 | 94.10 | 88.30 | 82.40 | 76.60 | 70.80 | 64.90 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 99.90 | 94.10 | 88.30 | 82.40 | 76.60 | 70.80 | 64.90 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 99.90 | 94.10 | 88.30 | 82.40 | 76.60 | 70.80 | 64.90 | New tariff 2026 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 99.95 | 94.15 | 88.35 | 82.55 | 76.65 | 70.85 | 64.95 | +16.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 99.95 | 94.15 | 88.35 | 82.45 | 76.65 | 70.85 | 64.95 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 100.55 | 94.75 | 88.95 | 83.05 | 77.25 | 71.45 | 65.55 | −16.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 100.65 | 94.75 | 88.95 | 83.15 | 77.25 | 71.45 | 65.65 | −20.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 101.05 | 95.25 | 89.45 | 83.55 | 77.75 | 71.95 | 66.05 | +14.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 101.05 | 95.25 | 89.45 | 83.55 | 77.75 | 71.95 | 66.05 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 101.75 | 95.95 | 90.15 | 84.25 | 78.45 | 72.65 | 66.75 | −16.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 101.75 | 95.95 | 90.15 | 84.25 | 78.45 | 72.65 | 66.75 | −16.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 102.75 | 96.95 | 91.15 | 85.25 | 79.45 | 73.65 | 67.75 | −20.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 103.05 | 97.25 | 91.45 | 85.55 | 79.75 | 73.95 | 68.05 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 103.15 | 97.35 | 91.55 | 85.65 | 79.85 | 74.05 | 68.15 | −11.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 105.40 | 99.55 | 93.70 | 87.90 | 82.05 | 76.20 | 70.40 | 0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 105.35 | 99.55 | 93.75 | 87.85 | 82.05 | 76.25 | 70.35 | −16.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 105.75 | 99.85 | 94.05 | 88.25 | 82.35 | 76.55 | 70.75 | −19.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 110.25 | 104.45 | 98.65 | 92.75 | 86.95 | 81.15 | 75.25 | +15.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.25 | 108.45 | 102.65 | 96.75 | 90.95 | 85.15 | 79.25 | −16.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 91.35 | 90.45 | 89.45 | 88.45 | 87.45 | 86.45 | — | −7.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 91.35 | 90.45 | 89.45 | 88.45 | 87.45 | 86.45 | — | −7.6 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 116.40 | 110.75 | 107.45 | 98.95 | 93.25 | 87.35 | 81.55 | 0.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 121.85 | 116.75 | 110.40 | 105.35 | 99.00 | 93.90 | 87.55 | +9.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 100.35 | 99.45 | 98.45 | 97.45 | 96.45 | 95.45 | — | −7.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 71.85 | — | 62.65 | — | 53.25 | — | 47.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 76.75 | — | 66.85 | — | 56.95 | — | 47.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 76.75 | — | 66.85 | — | 56.95 | — | 47.55 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 77.65 | — | 67.65 | — | 57.65 | — | 47.55 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 78.05 | 72.25 | 66.45 | 60.55 | 54.75 | — | 45.45 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 78.35 | — | 66.75 | — | 55.05 | — | 46.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 79.15 | 73.35 | 67.55 | 61.65 | 55.85 | — | 45.45 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 79.55 | 73.75 | 67.95 | 62.05 | 56.25 | — | 45.45 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 81.25 | — | 69.65 | — | 57.95 | — | 46.45 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 82.65 | — | 71.05 | — | 59.35 | — | 47.65 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 83.15 | 77.35 | 71.55 | 65.65 | 59.85 | — | 48.15 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 83.65 | — | 72.05 | — | 60.35 | — | 48.65 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 84.45 | — | 73.65 | — | 62.75 | — | 51.85 | — |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 89.05 | 83.25 | 77.45 | 71.55 | 65.75 | — | 54.05 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 89.55 | — | 79.95 | — | 68.35 | — | 56.65 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 90.85 | — | 79.25 | — | 67.55 | — | 55.85 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 91.05 | — | 79.45 | — | 67.75 | — | 56.05 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 94.05 | 88.25 | 82.45 | — | 70.75 | — | 59.05 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 96.45 | 90.65 | 84.85 | — | 73.15 | — | 61.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 96.65 | — | 84.95 | — | 73.35 | — | 61.65 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 96.65 | — | 84.95 | — | 73.35 | — | 61.65 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 97.45 | — | 87.85 | — | 76.15 | — | 64.45 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 97.85 | — | 86.15 | — | 74.45 | — | 62.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 97.85 | — | 86.15 | — | 74.45 | — | 62.85 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 98.35 | — | 86.75 | — | 75.05 | — | 63.35 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 98.75 | 92.95 | 87.15 | — | 75.45 | — | 63.75 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 99.45 | — | 87.85 | — | 76.15 | — | 64.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 99.45 | — | 87.85 | — | 76.15 | — | 64.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 99.45 | — | 87.85 | — | 76.15 | — | 64.45 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 99.45 | — | 87.85 | — | 76.15 | — | 64.45 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 100.55 | 94.75 | 88.95 | — | 77.25 | — | 65.55 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 101.95 | 96.15 | 90.35 | — | 78.65 | — | 66.95 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 110.55 | — | 98.85 | — | 87.25 | — | 75.55 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 112.95 | 107.15 | 101.35 | — | 89.65 | — | 77.95 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 118.25 | — | — | 100.75 | — | — | 83.25 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 124.35 | — | — | 106.85 | — | — | 89.35 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.95 | — | — | 111.45 | — | — | 93.95 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Zug for a child aged 0 to 18 with a deductible of 500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/), the cheapest offer in [Zug](https://praemiencheck.onedoc.ch/en/zg/zug/) is Agrisano (AGRIsmart) at 43.45 CHF a month.

### How much does health insurance cost in Zug in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zg/zug/child/) with a deductible of 500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/), monthly premiums run from 43.45 CHF (Agrisano, AGRIsmart) to 95.45 CHF (EGK, 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 Zug 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](https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-0/) to 40.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-600/): 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 Zug 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 500 CHF and with accident cover, the cheapest premium per model is: standard model 51.35 CHF (Agrisano), family doctor / HMO 46.85 CHF (Agrisano), flexible model 49.75 CHF (Helsana), telemedicine 43.45 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 27 insurers present in Zug file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 43.45 CHF | 15.45 CHF from the 3rd child |
| Visana | Tel Doc | 49.75 CHF | 17.45 CHF from the 3rd child |
| CONCORDIA | HMO | 48.15 CHF | 19.35 CHF from the 3rd child |
| Galenos | Managed Care | 62.65 CHF | 19.35 CHF from the 3rd child |
| sana24 | Managed Care | 62.65 CHF | 20.35 CHF from the 3rd child |
| Aquilana | SMARTMED | 55.15 CHF | 25.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 64.05 CHF | 29.45 CHF from the 3rd child |
| Krankenkasse Steffisburg | Casa | 70.85 CHF | 40.45 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 55.95 CHF | 40.75 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 58.05 CHF | 42.25 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 51.65 CHF | 43.35 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 69.60 CHF | 45.65 CHF from the 3rd child |
| Assura | FeminaVita | 50.45 CHF | 48.75 CHF from the 4th child, 47.55 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 71.45 CHF | 52.35 CHF from the 5th child |
| EGK | EGK-Care | 86.45 CHF | 74.85 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 48.60 CHF at Agrisano (AGRIsmart) gives 43.45 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.

## 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: Zug is in region 0 of canton Zug.
- 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Zug (ZG): every situation: https://praemiencheck.onedoc.ch/en/zg/zug/
- Premiums 2026 in Zug (ZG), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/zg/zug/child/
- Premiums 2026 in Zug (ZG), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/zg/zug/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/zg/zug/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-0/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-100/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-200/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-300/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-400/
- Deductible Premiums 2026 in Zug (ZG), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/zg/zug/child/with-accident/deductible-0/ — replace `zg` with your canton’s two-letter code (ge, vd, zh…), `zug` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-500` with `deductible-600` for another deductible. Markdown version: add `.md`.