Health insurance premiums 2026 in Schwerzenbach (ZH)For a child aged 0 to 18 with accident cover
From 66.45 to 167.75 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 | 97.85 | — | 87.85 | 82.85 | 77.85 | 72.75 | 67.75 |
| 2 |  CSS | Hausarztversicherung Profit | 101.45 | 95.65 | 89.85 | 83.95 | 78.15 | — | 66.45 |
| 3 | Agrisano | AGRIcontact | 103.25 | — | 92.65 | 87.45 | 82.15 | 76.85 | 71.55 |
| 4 |  ÖKK | HMO model | 104.15 | — | 92.55 | — | 80.85 | — | 69.15 |
| 5 |  KPT | KPTwin.smart | 104.75 | — | 95.55 | — | 86.15 | — | 76.85 |
| 6 | Agrisano | AGRIeco | 105.05 | — | 94.35 | 88.95 | 83.65 | 78.25 | 72.85 |
| 7 | ÖKK | Family doctor | 105.35 | — | 93.75 | — | 82.05 | — | 70.35 |
| 8 |  Assura | Qualimed | 107.15 | 101.35 | 95.55 | 89.65 | 83.85 | 78.05 | 72.15 |
| 9 | ÖKK | Telemedicine | 107.25 | — | 95.65 | — | 83.95 | — | 72.25 |
| 10 | KPT | KPTwin.win | 107.55 | — | 98.05 | — | 88.45 | — | 78.85 |
| 11 |  Helsana | BeneFit PLUS Hausarzt R1 | 108.35 | — | — | — | — | 79.25 | — |
| 12 | Helsana | BeneFit PLUS Flexmed R1 | 108.35 | — | — | — | — | 79.25 | — |
| 13 | ÖKK | Select | 108.45 | — | 96.85 | — | 85.15 | — | 73.45 |
| 14 |  Krankenkasse Wädenswil | Family doctor | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | 73.45 |
| 15 | Assura | Family doctor | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | 73.45 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Schwerzenbach, with accident cover, the cheapest health insurance premium is:
- 97.85 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 66.45 CHF a month with a 600 CHF deductible (CSS, Hausarztversicherung Profit)
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Frequently asked questions
Which health insurance is the cheapest in Schwerzenbach 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 Schwerzenbach is Agrisano (AGRIsmart) at 97.85 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 113.25 CHF a month.
How much does health insurance cost in Schwerzenbach 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 97.85 CHF (Agrisano, AGRIsmart) to 167.75 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: 117.95 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Schwerzenbach for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 97.85 CHF a month with the 0 CHF deductible to 67.75 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 Schwerzenbach 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 113.25 CHF (Krankenkasse Wädenswil), family doctor / HMO 101.45 CHF (CSS), flexible model 107.15 CHF (Assura), telemedicine 97.85 CHF (Agrisano).
Does a second or third child pay less in Schwerzenbach?
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 Schwerzenbach 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 | 97.85 CHF | 41.75 CHF from the 3rd child |
| Visana | Managed Care | 115.55 CHF | 45.35 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 121.25 CHF | 47.65 CHF from the 3rd child |
| sana24 | Managed Care | 141.95 CHF | 51.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 110.45 CHF | 52.65 CHF from the 3rd child |
| Galenos | Managed Care | 139.15 CHF | 52.95 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 112.55 CHF | 53.75 CHF from the 3rd child |
| CONCORDIA | HMO | 116.35 CHF | 53.95 CHF from the 3rd child |
| rhenusana | sanmed24 | 118.65 CHF | 56.75 CHF from the 3rd child |
| Krankenkasse Steffisburg | Sanmed24 | 125.35 CHF | 73.15 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 119.75 CHF | 79.80 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 128.55 CHF | 95.15 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 130.15 CHF | 96.35 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 109.85 CHF | 98.35 CHF from the 3rd child |
| Assura | Qualimed | 107.15 CHF | 105.65 CHF from the 4th child, 104.05 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 141.15 CHF | 104.55 CHF from the 5th child |
| EGK | EGK-TelCare | 127.45 CHF | 111.45 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 103.00 CHF at Agrisano (AGRIsmart) gives 97.85 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.