Health insurance premiums 2026 in Bachs (ZH)For a child aged 0 to 18 with accident cover
From 58.85 to 161.55 CHF a month depending on the deductible and the model
127 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 | 88.95 | — | 78.85 | 73.85 | 68.85 | 63.85 | 58.85 |
| 2 | Agrisano | AGRIcontact | 93.85 | — | 83.25 | 78.05 | 72.75 | 67.45 | 62.15 |
| 3 |  ÖKK | HMO model | 94.55 | — | 82.95 | — | 71.25 | — | 59.55 |
| 4 | Agrisano | AGRIeco | 95.45 | — | 84.75 | 79.35 | 74.05 | 68.65 | 63.25 |
| 5 | ÖKK | Family doctor | 95.65 | — | 84.05 | — | 72.35 | — | 60.65 |
| 6 |  Assura | Qualimed | 97.15 | 91.35 | 85.55 | 79.65 | 73.85 | 68.05 | 62.15 |
| 7 | ÖKK | Telemedicine | 97.35 | — | 85.75 | — | 74.05 | — | 62.35 |
| 8 | ÖKK | Select | 98.45 | — | 86.85 | — | 75.15 | — | 63.45 |
| 9 |  Krankenkasse Wädenswil | Family doctor | 98.55 | 92.75 | 86.95 | 81.05 | 75.25 | 69.45 | 63.55 |
| 10 |  CSS | Hausarztversicherung Profit | 98.75 | 92.95 | 87.15 | 81.25 | 75.45 | — | 63.75 |
| 11 | Assura | Family doctor | 100.05 | 94.25 | 88.45 | 82.55 | 76.75 | 70.95 | 65.05 |
| 12 | Assura | PharMed | 100.05 | 94.25 | 88.45 | 82.55 | 76.75 | 70.95 | 65.05 |
| 13 |  SLKK | SLKK-SmartMed | 100.35 | 95.15 | 90.05 | 84.95 | 80.05 | 74.65 | 69.55 |
| 14 |  Aquilana | SMARTMED | 101.45 | 96.45 | 91.35 | 86.35 | 81.25 | 74.25 | — |
| 15 |  Helsana | BeneFit PLUS Hausarzt R1 | 101.75 | — | — | — | — | 72.65 | — |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Bachs, with accident cover, the cheapest health insurance premium is:
- 88.95 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 58.85 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Bachs 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 Bachs is Agrisano (AGRIsmart) at 88.95 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 102.85 CHF a month.
How much does health insurance cost in Bachs 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 88.95 CHF (Agrisano, AGRIsmart) to 161.55 CHF (Sympany, Standard model): 127 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: 108.45 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Bachs for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 88.95 CHF a month with the 0 CHF deductible to 58.85 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Bachs 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 102.85 CHF (Krankenkasse Wädenswil), family doctor / HMO 94.55 CHF (ÖKK), flexible model 97.15 CHF (Assura), telemedicine 88.95 CHF (Agrisano).
Does a second or third child pay less in Bachs?
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 Bachs 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 | 88.95 CHF | 37.55 CHF from the 3rd child |
| Visana | Managed Care | 107.55 CHF | 42.05 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 112.65 CHF | 43.95 CHF from the 3rd child |
| Galenos | Managed Care | 122.25 CHF | 46.15 CHF from the 3rd child |
| Aquilana | SMARTMED | 101.45 CHF | 48.15 CHF from the 3rd child |
| sana24 | Managed Care | 133.55 CHF | 48.45 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 104.35 CHF | 49.65 CHF from the 3rd child |
| rhenusana | sanmed24 | 105.35 CHF | 50.15 CHF from the 3rd child |
| CONCORDIA | HMO | 108.65 CHF | 50.35 CHF from the 3rd child |
| Krankenkasse Steffisburg | Sanmed24 | 120.75 CHF | 70.45 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 109.80 CHF | 73.05 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 120.25 CHF | 88.95 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 100.35 CHF | 89.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 123.75 CHF | 91.55 CHF from the 5th child |
| Assura | Qualimed | 97.15 CHF | 95.65 CHF from the 4th child, 94.25 CHF from the 5th child |
| EGK | EGK-TelCare | 116.35 CHF | 101.65 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 141.15 CHF | 104.55 CHF from the 5th 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 94.10 CHF at Agrisano (AGRIsmart) gives 88.95 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.