# Health insurance premiums 2026 in Rüti (ZH), for a child aged 0 to 18, deductible of 600 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Rüti](https://praemiencheck.onedoc.ch/en/zh/ruti/) ([canton Zurich](https://praemiencheck.onedoc.ch/en/zh/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zh/ruti/child/) with a 600 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/zh/ruti/child/no-accident/), the cheapest monthly basic insurance premium is **55.05 CHF** with **ÖKK** (HMO model model) and the most expensive is 117.35 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (600 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 87.65 | — | 76.85 | — | 65.95 | — | 55.05 | +10.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 84.25 | — | 74.65 | 69.95 | 65.15 | 60.45 | 55.65 | +10.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 88.65 | — | 77.85 | — | 66.95 | — | 56.05 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 90.05 | 84.65 | 79.25 | 73.75 | 68.35 | 62.95 | 57.45 | +3.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 90.25 | — | 79.45 | — | 68.55 | — | 57.65 | +6.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 91.25 | — | 80.45 | — | 69.55 | — | 58.65 | +6.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 88.95 | — | 78.85 | 73.85 | 68.85 | 63.85 | 58.75 | +9.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 91.45 | 86.05 | 80.75 | 75.25 | 69.85 | — | 58.95 | +0.2 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 92.35 | 86.95 | 81.45 | 75.95 | 70.45 | 65.05 | 59.45 | 0.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 90.45 | — | 80.25 | 75.15 | 70.05 | 64.95 | 59.85 | +9.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 92.75 | 87.35 | 81.95 | 76.45 | 71.05 | 65.65 | 60.15 | +3.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 92.75 | 87.35 | 81.95 | 76.45 | 71.05 | 65.65 | 60.15 | +3.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 95.45 | 90.05 | 84.65 | 79.15 | 73.75 | 68.35 | 62.85 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 95.45 | 90.05 | 84.65 | 79.15 | 73.75 | 68.35 | 62.85 | +0.3 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 96.45 | 90.95 | 85.55 | 79.95 | 74.55 | 69.05 | 63.55 | 0.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 93.95 | 89.15 | 84.35 | 79.45 | 74.95 | 69.95 | 65.05 | +17.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 97.65 | — | — | 81.35 | — | — | 65.15 | +1.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 98.05 | — | — | 81.75 | — | — | 65.45 | +1.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 98.75 | — | 87.65 | 82.15 | 76.65 | 71.05 | 65.55 | +9.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 98.35 | 92.95 | 87.55 | 82.05 | 76.65 | — | 65.85 | +9.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 99.05 | — | 88.25 | — | 77.35 | — | 66.55 | +6.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 96.75 | 91.75 | 86.75 | 81.65 | 76.75 | 71.85 | 66.65 | +13.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 96.75 | 91.75 | 86.75 | 81.65 | 76.75 | 71.85 | 66.65 | +13.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 96.25 | 91.35 | 86.45 | 81.45 | 76.75 | 71.65 | 66.65 | +17.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 97.35 | 92.35 | 87.45 | 82.35 | 77.65 | 72.45 | 67.45 | +17.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 100.25 | 94.75 | 89.35 | 83.85 | 78.45 | 72.95 | 67.55 | +12.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 102.45 | 96.95 | 91.45 | 85.95 | 80.45 | 74.95 | 69.35 | +10.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 95.55 | — | 86.95 | — | 78.25 | — | 69.55 | +6.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 95.55 | — | 86.95 | — | 78.25 | — | 69.55 | +4.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 102.15 | 96.75 | 91.35 | 85.85 | 80.45 | — | 69.65 | +10.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 102.90 | 97.45 | 91.95 | 86.45 | 81.00 | 75.50 | 70.00 | +4.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 102.75 | 97.35 | 91.95 | 86.55 | 81.15 | — | 70.25 | +17.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 102.95 | 97.55 | 92.15 | 86.65 | 81.25 | 75.95 | 70.45 | +3.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 104.05 | 98.60 | 93.10 | 87.60 | 82.15 | 76.65 | 71.15 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 104.35 | 98.85 | 93.35 | 87.75 | 82.35 | 76.85 | 71.25 | +10.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 105.55 | 100.15 | 94.75 | 89.25 | 83.95 | 78.55 | 73.05 | +13.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 106.25 | 100.75 | 95.25 | 89.65 | 84.25 | 78.75 | 73.15 | +10.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 101.85 | — | 92.65 | — | 83.45 | — | 74.15 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 104.45 | — | 96.05 | — | 85.15 | — | 74.35 | +1.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 107.45 | 102.05 | 96.55 | 91.05 | 85.85 | 80.15 | 74.55 | +17.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 103.15 | — | 93.85 | — | 84.45 | — | 75.15 | +4.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 107.85 | 102.45 | 96.95 | 91.55 | 86.05 | 80.65 | 75.15 | +12.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 107.85 | 102.45 | 96.95 | 91.55 | 86.05 | 80.65 | 75.15 | +12.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 108.85 | — | — | 92.55 | — | — | 76.25 | +1.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.25 | 103.85 | 98.45 | 92.95 | 87.55 | — | 76.65 | +6.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 109.80 | 104.35 | 98.85 | 93.35 | 87.90 | 82.40 | 76.90 | +4.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 106.85 | — | 97.25 | — | 87.65 | — | 77.95 | +6.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.45 | 106.05 | 100.65 | 95.25 | 89.85 | 84.45 | 78.95 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 111.45 | 106.05 | 100.65 | 95.25 | 89.85 | 84.45 | 78.95 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 112.15 | 106.75 | 101.35 | 95.85 | 90.45 | 85.05 | 79.55 | +5.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 112.65 | 107.15 | 101.75 | 96.25 | 90.85 | 85.45 | 79.85 | +30.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 112.75 | 107.35 | 101.95 | 96.55 | 91.15 | 85.75 | 80.25 | +5.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 110.85 | — | 102.35 | — | 91.55 | — | 80.65 | +7.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 113.95 | 108.55 | 103.05 | 97.55 | 92.15 | 86.75 | 81.25 | +29.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.95 | 108.45 | 103.05 | 97.55 | 92.15 | 86.65 | 81.25 | +0.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 114.05 | 108.65 | 103.25 | 97.75 | 92.35 | 86.95 | 81.45 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 115.15 | 109.65 | 104.15 | — | 92.95 | — | 81.85 | +5.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 115.45 | 109.85 | 104.35 | — | 93.25 | — | 82.15 | +7.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 114.75 | 109.35 | 103.95 | 98.45 | 93.05 | 87.65 | 82.15 | +5.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 114.75 | 109.35 | 103.95 | 98.45 | 93.05 | 87.65 | 82.15 | +5.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 115.75 | 110.25 | 104.75 | — | 93.65 | — | 82.55 | +5.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 112.65 | — | 104.25 | — | 93.35 | — | 82.55 | +14.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 115.25 | 109.85 | 104.35 | 98.95 | 93.45 | 88.05 | 82.55 | +1.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 115.25 | 109.85 | 104.45 | 98.95 | 93.55 | 88.15 | 82.65 | 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 | 115.25 | 109.85 | 104.45 | 98.95 | 93.55 | 88.15 | 82.65 | 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 | 115.25 | 109.85 | 104.45 | 98.95 | 93.55 | 88.15 | 82.65 | 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 | 115.25 | 109.85 | 104.45 | 98.95 | 93.55 | 88.15 | 82.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 115.35 | 109.95 | 104.55 | 99.05 | 93.65 | 88.25 | 82.75 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 116.05 | 110.65 | 105.25 | 99.75 | 94.35 | 89.05 | 83.55 | +5.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.25 | — | 105.45 | — | 94.55 | — | 83.75 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 112.65 | — | 104.25 | — | 94.55 | — | 83.75 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 116.25 | — | 105.45 | — | 94.55 | — | 83.75 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 116.25 | — | 105.45 | — | 94.55 | — | 83.75 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 116.25 | — | 105.45 | — | 94.55 | — | 83.75 | +7.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 116.55 | 111.15 | 105.75 | 100.25 | 94.85 | 89.45 | 83.95 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 118.75 | 113.35 | 107.95 | 102.45 | 97.05 | 91.65 | 86.15 | +5.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 119.05 | 113.65 | 108.25 | 102.75 | 97.35 | 91.95 | 86.45 | +10.6 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 120.45 | 115.40 | 110.40 | 104.10 | 97.85 | 92.80 | 86.55 | +7.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.55 | 115.15 | 109.65 | 104.05 | 98.55 | 93.05 | 87.55 | +8.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 120.65 | — | 109.85 | — | 99.05 | — | 88.15 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 122.15 | 116.65 | 111.15 | — | 100.05 | — | 88.95 | +5.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 121.95 | 116.55 | 111.05 | 105.65 | 100.15 | 94.75 | 89.25 | +11.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 121.95 | 116.55 | 111.05 | 105.65 | 100.15 | 94.75 | 89.25 | +11.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 121.95 | 116.55 | 111.05 | 105.65 | 100.15 | 94.75 | 89.25 | +11.3 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 122.85 | 117.35 | 111.95 | 106.45 | 101.05 | 95.55 | 90.05 | +27.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 123.05 | 117.65 | 112.15 | 106.75 | 101.25 | 95.85 | 90.35 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 123.25 | 117.85 | 112.35 | 106.95 | 101.45 | 95.95 | 90.55 | +11.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 124.55 | 119.05 | 113.65 | 108.15 | 102.75 | 97.25 | 91.75 | +5.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 124.45 | 119.05 | 113.65 | 108.15 | 102.75 | 97.35 | 91.85 | +4.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 127.05 | 121.80 | 116.45 | 109.85 | 104.60 | 99.25 | 92.65 | +9.3 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 126.05 | 120.65 | 117.55 | 109.55 | 104.15 | 98.65 | 93.15 | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 128.55 | 123.15 | 117.65 | 112.25 | 106.75 | 101.35 | 95.85 | New tariff 2026 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 128.75 | 123.35 | 117.95 | 112.55 | 107.15 | 101.75 | 96.25 | +5.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 130.35 | 124.85 | 119.35 | — | 108.15 | — | 97.05 | +4.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.95 | 124.45 | 119.05 | 113.55 | 108.15 | 102.65 | 97.25 | −0.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 130.25 | 124.85 | 119.35 | 113.95 | 108.45 | 103.05 | 97.55 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 130.95 | 125.55 | 120.15 | 114.65 | 109.25 | 103.85 | 98.35 | +12.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 131.35 | — | 120.55 | — | 109.65 | — | 98.75 | +13.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 131.35 | — | 120.55 | — | 109.65 | — | 98.75 | +10.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 131.35 | — | 120.55 | — | 109.65 | — | 98.75 | +14.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 132.15 | — | 121.25 | — | 110.45 | — | 99.65 | +9.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 132.15 | — | 121.25 | — | 110.45 | — | 99.65 | +9.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 132.45 | 127.05 | 121.65 | 116.15 | 110.75 | 105.45 | 99.95 | +12.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 132.45 | 127.05 | 121.65 | 116.15 | 110.75 | 105.45 | 99.95 | +12.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 134.35 | 128.85 | 123.45 | 117.95 | 112.55 | 107.05 | 101.65 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 134.35 | 128.85 | 123.45 | 117.95 | 112.55 | 107.05 | 101.65 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 134.35 | 128.85 | 123.45 | 117.95 | 112.55 | 107.05 | 101.65 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 134.35 | 128.85 | 123.45 | 117.95 | 112.55 | 107.05 | 101.65 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 135.75 | 130.25 | 124.85 | 119.35 | 113.95 | 108.45 | 103.05 | +4.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 137.05 | 131.65 | 126.25 | 120.85 | 115.45 | 110.05 | 104.55 | +12.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 148.65 | 143.25 | 137.85 | 132.35 | 126.95 | 121.55 | 116.05 | +12.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 149.95 | — | 139.15 | — | 128.25 | — | 117.35 | +10.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 94.05 | 89.35 | 84.65 | 79.95 | 75.25 | 68.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 94.35 | — | — | — | — | 67.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 94.35 | — | — | — | — | 67.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 96.65 | — | — | — | — | 69.55 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 97.45 | 92.05 | 86.65 | 81.25 | 75.85 | 70.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 97.85 | — | — | — | — | 70.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 100.25 | — | — | — | — | 73.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 100.25 | — | — | — | — | 73.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 103.85 | — | — | — | — | 76.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 105.05 | — | — | — | — | 77.95 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 108.55 | 107.65 | 106.75 | 105.75 | 104.85 | 103.95 | — | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 108.85 | 103.45 | 98.05 | 92.65 | 87.15 | 81.75 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 110.05 | 109.25 | 108.35 | 107.35 | 106.45 | 105.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.65 | — | — | — | — | 87.65 | — | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 121.05 | 120.05 | 119.15 | 118.25 | 117.25 | 116.35 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Rüti for a child aged 0 to 18 with a deductible of 600 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/zh/ruti/child/no-accident/), the cheapest offer in [Rüti](https://praemiencheck.onedoc.ch/en/zh/ruti/) is ÖKK (HMO model) at 55.05 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 63.55 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zh/ruti/child/) with a deductible of 600 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/zh/ruti/child/no-accident/), monthly premiums run from 55.05 CHF (ÖKK, HMO model) to 117.35 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 Rüti for a child aged 0 to 18 without accident cover?

On the cheapest offer (ÖKK, HMO model), the premium goes from 87.65 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/ruti/child/no-accident/deductible-0/) to 55.05 CHF with the 600 CHF deductible: 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Rüti 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 600 CHF and without accident cover, the cheapest premium per model is: standard model 63.55 CHF (Krankenkasse Wädenswil), family doctor / HMO 55.05 CHF (ÖKK), flexible model 57.45 CHF (Assura), telemedicine 55.65 CHF (Agrisano).

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

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 Rüti file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 55.65 CHF | 19.75 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 74.35 CHF | 22.05 CHF from the 3rd child |
| Visana | Managed Care | 67.55 CHF | 23.85 CHF from the 3rd child |
| Galenos | Managed Care | 81.25 CHF | 24.15 CHF from the 3rd child |
| sana24 | Managed Care | 91.75 CHF | 24.15 CHF from the 3rd child |
| CONCORDIA | HMO | 69.35 CHF | 27.35 CHF from the 3rd child |
| rhenusana | sanmed24 | 65.15 CHF | 30.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 66.65 CHF | 30.75 CHF from the 3rd child |
| Krankenkasse Steffisburg | Sanmed24 | 79.85 CHF | 45.85 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 70.00 CHF | 45.95 CHF from the 3rd child |
| Assura | Qualimed | 57.45 CHF | 56.05 CHF from the 4th child, 54.75 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 65.05 CHF | 55.15 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 78.95 CHF | 57.95 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 82.15 CHF | 60.35 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 98.35 CHF | 72.55 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 60.20 CHF at ÖKK (HMO model) gives 55.05 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: Rüti is in region 3 of canton Zurich.
- 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/zh/ruti/child/no-accident/deductible-0/

## Related pages

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

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