# Health insurance premiums 2026 in Uster (ZH), for a child aged 0 to 18, deductible of 400 CHF, with accident cover

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

In [Uster](https://praemiencheck.onedoc.ch/en/zh/uster/) ([canton Zurich](https://praemiencheck.onedoc.ch/en/zh/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zh/uster/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/), the cheapest monthly basic insurance premium is **77.85 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 144.45 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 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 97.85 | — | 87.85 | 82.85 | 77.85 | 72.75 | 67.75 | +8.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 101.45 | 95.65 | 89.85 | 83.95 | 78.15 | — | 66.45 | −5.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 104.15 | — | 92.55 | — | 80.85 | — | 69.15 | +8.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 105.35 | — | 93.75 | — | 82.05 | — | 70.35 | +5.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 103.25 | — | 92.65 | 87.45 | 82.15 | 76.85 | 71.55 | +7.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 105.05 | — | 94.35 | 88.95 | 83.65 | 78.25 | 72.85 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 107.15 | 101.35 | 95.55 | 89.65 | 83.85 | 78.05 | 72.15 | +3.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 107.25 | — | 95.65 | — | 83.95 | — | 72.25 | +5.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 108.45 | — | 96.85 | — | 85.15 | — | 73.45 | +5.5 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | 73.45 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | 73.45 | +3.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | 73.45 | +3.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 104.75 | — | 95.55 | — | 86.15 | — | 76.85 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 107.55 | — | 98.05 | — | 88.45 | — | 78.85 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 112.25 | 106.45 | 100.65 | 94.75 | 88.95 | 83.15 | 77.25 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 112.25 | 106.45 | 100.65 | 94.75 | 88.95 | 83.15 | 77.25 | −1.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 109.85 | 104.75 | 99.65 | 94.45 | 89.65 | 84.25 | 79.05 | +14.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 113.15 | 107.35 | 101.55 | 95.65 | 89.85 | — | 78.15 | +6.6 % |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 113.25 | 107.45 | 101.65 | 95.75 | 89.95 | 84.15 | 78.25 | 0.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 110.45 | 105.35 | 100.35 | 95.25 | 90.15 | 83.05 | — | +4.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 110.25 | — | 100.45 | — | 90.75 | — | 80.95 | +3.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 114.35 | 108.55 | 102.75 | 96.95 | 91.05 | 85.25 | — | +4.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 112.55 | 107.15 | 101.85 | 96.35 | 91.05 | 85.75 | 80.25 | +7.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 112.55 | 107.15 | 101.85 | 96.35 | 91.05 | 85.75 | 80.25 | +7.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.65 | — | 102.95 | 97.15 | 91.35 | 85.45 | 79.65 | +7.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 111.65 | — | 101.75 | — | 91.85 | — | 81.85 | +6.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 112.55 | 107.25 | 102.05 | 96.75 | 91.85 | 86.35 | 81.05 | +14.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 115.55 | 109.75 | 103.85 | 98.05 | 92.25 | 86.35 | 80.55 | +10.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 113.85 | 108.55 | 103.25 | 97.85 | 92.85 | 87.35 | 81.95 | +14.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 113.05 | — | 103.05 | — | 92.95 | — | 82.95 | +4.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 116.35 | 110.55 | 104.75 | 98.85 | 93.05 | 87.25 | 81.35 | +9.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 117.55 | 111.75 | 105.95 | 100.05 | 94.25 | — | 82.55 | +12.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 117.65 | — | 106.05 | — | 94.35 | — | 82.65 | +5.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 118.45 | 112.65 | 106.85 | 100.95 | 95.15 | 89.35 | 83.45 | +9.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 118.95 | 113.15 | 107.35 | 101.45 | 95.65 | — | 83.95 | +9.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 119.75 | 113.90 | 108.10 | 102.25 | 96.40 | 90.60 | 84.75 | +5.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 120.55 | 114.75 | 108.95 | 103.05 | 97.25 | 91.45 | 85.55 | +9.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 121.10 | 115.25 | 109.40 | 103.60 | 97.75 | 91.90 | 86.10 | +4.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.45 | 116.65 | 110.85 | 104.95 | 99.15 | 93.35 | 87.45 | +3.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 122.75 | 116.95 | 111.15 | 105.25 | 99.45 | 93.65 | 87.75 | +7.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 123.25 | 117.45 | 111.65 | — | 99.95 | — | 88.25 | −0.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 121.25 | — | 112.35 | — | 100.75 | — | 89.05 | +0.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 124.35 | 118.55 | 112.65 | 106.85 | 101.05 | 95.15 | 89.35 | +10.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 124.35 | 118.55 | 112.65 | 106.85 | 101.05 | 95.15 | 89.35 | +10.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 124.85 | 119.05 | 113.25 | 107.35 | 101.55 | — | 89.85 | +3.6 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 125.35 | 119.55 | 113.75 | 107.85 | 102.05 | 96.25 | 90.35 | +22.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.55 | 119.75 | 113.95 | 108.05 | 102.55 | 96.45 | 90.55 | +14.3 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 126.75 | 121.05 | 115.15 | 109.25 | 103.45 | 97.65 | 91.85 | +22.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.65 | 121.85 | 116.05 | 110.25 | 104.35 | 98.55 | — | +4.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.75 | 121.90 | 116.05 | 110.25 | 104.40 | 98.55 | 92.75 | +4.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 128.55 | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 | +6.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 128.55 | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 | +6.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 128.65 | 122.85 | 117.05 | — | 105.35 | — | 93.65 | +6.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 130.05 | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 | +6.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 130.15 | 124.35 | 118.55 | 112.65 | 106.85 | 101.05 | 95.15 | +4.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 130.15 | 124.35 | 118.55 | 112.65 | 106.85 | 101.05 | 95.15 | +4.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 130.75 | 124.95 | 119.15 | — | 107.45 | — | 95.75 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 130.85 | 125.05 | 119.25 | 113.35 | 107.55 | 101.75 | 95.85 | +4.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 130.70 | 125.25 | 119.85 | 114.40 | 107.60 | 102.15 | 96.75 | +7.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 128.25 | — | 119.35 | — | 107.75 | — | 96.05 | +6.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 131.65 | 125.85 | 120.05 | 114.15 | 108.35 | 102.55 | 96.65 | +4.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.15 | — | 120.55 | — | 108.85 | — | 97.15 | +4.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 133.05 | 127.25 | 121.45 | 115.55 | 109.75 | 103.95 | 98.05 | +6.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 130.65 | — | 121.85 | — | 110.15 | — | 98.45 | +11.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 133.45 | 127.65 | 121.85 | 115.95 | 110.15 | 104.35 | 98.45 | 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 1 | 134.70 | 128.90 | 123.10 | 117.20 | 111.40 | 105.60 | 99.70 | 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 | 134.70 | 128.90 | 123.10 | 117.20 | 111.40 | 105.60 | 99.70 | 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 | 134.70 | 128.90 | 123.10 | 117.20 | 111.40 | 105.60 | 99.70 | 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 | 134.70 | 128.90 | 123.10 | 117.20 | 111.40 | 105.60 | 99.70 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 134.85 | — | 123.25 | — | 111.55 | — | 99.85 | +6.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 132.05 | — | 123.25 | — | 111.55 | — | 99.85 | +6.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 134.85 | — | 123.25 | — | 111.55 | — | 99.85 | +6.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 134.85 | — | 123.25 | — | 111.55 | — | 99.85 | +6.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 134.85 | — | 123.25 | — | 111.55 | — | 99.85 | +6.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 134.85 | 129.05 | 123.25 | 117.35 | 111.55 | 105.75 | 99.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 136.35 | 130.55 | 124.75 | 118.85 | 113.05 | 107.25 | 101.35 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 136.55 | 130.75 | 124.95 | — | 113.25 | — | 101.55 | +4.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.65 | 130.85 | 125.05 | 119.15 | 113.35 | 107.55 | 101.65 | +22.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.85 | 131.05 | 125.25 | 119.35 | 113.55 | 107.75 | 101.85 | +7.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.85 | 132.15 | 126.40 | 120.70 | 114.95 | 109.25 | 103.55 | +7.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 139.15 | 133.35 | 127.45 | 121.65 | 115.85 | 109.95 | 104.15 | +6.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 139.15 | 133.35 | 127.55 | 121.65 | 115.85 | 110.05 | 104.15 | +8.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 140.45 | 134.65 | 128.85 | 122.95 | 117.15 | 111.35 | 105.45 | +10.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 140.45 | 134.65 | 128.85 | 122.95 | 117.15 | 111.35 | 105.45 | +10.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 140.45 | 134.65 | 128.85 | 122.95 | 117.15 | 111.35 | 105.45 | +10.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 140.95 | 135.05 | 129.25 | 123.45 | 117.55 | 111.75 | 105.95 | +7.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 141.15 | 135.35 | 129.55 | 123.65 | 117.85 | 112.05 | 106.15 | +11.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 141.95 | 136.15 | 130.25 | 124.45 | 118.65 | 112.75 | 106.95 | +9.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 141.95 | 136.15 | 130.35 | 124.45 | 118.65 | 112.85 | 106.95 | +4.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 142.85 | 137.05 | 131.25 | 125.35 | 119.55 | 113.75 | 107.85 | +11.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 142.85 | 137.05 | 131.25 | 125.35 | 119.55 | 113.75 | 107.85 | +11.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 144.25 | 138.45 | 132.65 | 126.75 | 120.95 | 115.15 | 109.25 | +6.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 144.45 | — | 132.75 | — | 121.05 | — | 109.45 | +12.4 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 144.75 | 139.05 | 135.75 | 127.25 | 121.55 | 115.65 | 109.85 | +6.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 145.15 | 139.35 | 133.55 | 127.65 | 121.85 | 116.05 | 110.15 | +4.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 145.25 | — | 133.65 | — | 121.95 | — | 110.25 | +12.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 145.55 | 139.75 | 133.95 | — | 122.25 | — | 110.55 | +3.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 127.45 | 126.55 | 125.55 | 124.55 | 123.55 | 122.55 | — | +6.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 147.05 | — | 135.35 | — | 123.65 | — | 112.05 | +10.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 127.85 | 126.95 | 125.95 | 124.95 | 123.95 | 122.95 | — | +6.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 147.75 | 141.95 | 136.15 | 130.25 | 124.45 | 118.65 | 112.75 | +11.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 147.85 | — | 136.25 | — | 124.55 | — | 112.85 | +9.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 147.85 | — | 136.25 | — | 124.55 | — | 112.85 | +9.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 147.85 | 142.05 | 136.15 | 130.35 | 124.55 | 118.65 | 112.85 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 152.45 | 146.65 | 140.85 | 134.95 | 129.15 | 123.35 | 117.45 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 152.45 | 146.65 | 140.85 | 134.95 | 129.15 | 123.35 | 117.45 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 152.45 | 146.65 | 140.85 | 134.95 | 129.15 | 123.35 | 117.45 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 152.45 | 146.65 | 140.85 | 134.95 | 129.15 | 123.35 | 117.45 | +4.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 152.65 | 146.85 | 141.05 | 135.15 | 129.35 | 123.55 | 117.65 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 152.65 | 146.85 | 141.05 | 135.15 | 129.35 | 123.55 | 117.65 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 154.05 | 148.25 | 142.35 | 136.55 | 130.75 | 124.85 | 119.05 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 154.25 | 148.45 | 142.55 | 136.75 | 130.95 | 125.05 | 119.25 | +1.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 160.15 | 154.35 | 148.55 | 142.65 | 136.85 | 131.05 | 125.15 | +11.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 140.95 | 139.95 | 138.95 | 137.95 | 136.95 | 136.05 | — | +2.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 167.75 | — | 156.15 | — | 144.45 | — | 132.75 | +9.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 108.35 | — | — | — | — | 79.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 108.35 | — | — | — | — | 79.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 109.75 | — | — | — | — | 80.65 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 112.45 | — | — | — | — | 83.35 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 115.15 | — | — | — | — | 86.05 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 115.15 | — | — | — | — | 86.05 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 118.65 | — | — | 101.15 | — | — | 83.65 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 119.05 | — | — | 101.55 | — | — | 84.05 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 119.25 | — | — | — | — | 90.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 120.65 | — | — | — | — | 91.55 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.55 | — | — | 113.05 | — | — | 95.55 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.65 | — | — | — | — | 102.55 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Uster for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/), the cheapest offer in [Uster](https://praemiencheck.onedoc.ch/en/zh/uster/) is Agrisano (AGRIsmart) at 77.85 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 89.95 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/zh/uster/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/), monthly premiums run from 77.85 CHF (Agrisano, AGRIsmart) to 144.45 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 Uster 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](https://praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/deductible-0/) to 67.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/deductible-600/): 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 Uster 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 400 CHF and with accident cover, the cheapest premium per model is: standard model 89.95 CHF (Krankenkasse Wädenswil), family doctor / HMO 78.15 CHF (CSS), flexible model 83.85 CHF (Assura), telemedicine 77.85 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 16 of the 27 insurers present in Uster file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 77.85 CHF | 23.75 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 100.75 CHF | 27.25 CHF from the 3rd child |
| Visana | Managed Care | 92.25 CHF | 27.95 CHF from the 3rd child |
| CONCORDIA | HMO | 93.05 CHF | 31.45 CHF from the 3rd child |
| sana24 | Managed Care | 118.65 CHF | 35.85 CHF from the 3rd child |
| Galenos | Managed Care | 115.85 CHF | 36.75 CHF from the 3rd child |
| Aquilana | SMARTMED | 90.15 CHF | 42.55 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 91.05 CHF | 42.95 CHF from the 3rd child |
| Krankenkasse Steffisburg | Sanmed24 | 102.05 CHF | 59.25 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 96.40 CHF | 63.90 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 105.25 CHF | 77.65 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 89.65 CHF | 78.15 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 106.85 CHF | 78.85 CHF from the 5th child |
| Assura | Qualimed | 83.85 CHF | 82.35 CHF from the 4th child, 80.75 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 117.85 CHF | 87.15 CHF from the 5th child |
| EGK | EGK-TelCare | 123.55 CHF | 107.55 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 83.00 CHF at Agrisano (AGRIsmart) gives 77.85 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.

## 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: Uster is in region 2 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/uster/child/with-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/zh/uster/child/with-accident/deductible-0/ — replace `zh` with your canton’s two-letter code (ge, vd, zh…), `uster` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.