Health insurance premiums 2026 in Winterthur (ZH)For a child aged 0 to 18 without accident cover
From 61.45 to 155.65 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 | 92.75 | — | 83.25 | 78.45 | 73.75 | 68.85 | 64.15 |
| 2 |  CSS | Hausarztversicherung Profit | 94.05 | 88.65 | 83.25 | 77.75 | 72.35 | — | 61.45 |
| 3 |  ÖKK | HMO model | 96.55 | — | 85.75 | — | 74.85 | — | 63.95 |
| 4 |  KPT | KPTwin.smart | 97.05 | — | 88.45 | — | 79.75 | — | 71.05 |
| 5 | ÖKK | Family doctor | 97.65 | — | 86.85 | — | 75.95 | — | 65.15 |
| 6 | Agrisano | AGRIcontact | 97.85 | — | 87.75 | 82.85 | 77.75 | 72.75 | 67.75 |
| 7 |  Assura | Qualimed | 99.35 | 93.95 | 88.55 | 83.05 | 77.65 | 72.25 | 66.75 |
| 8 | ÖKK | Telemedicine | 99.45 | — | 88.65 | — | 77.75 | — | 66.85 |
| 9 | Agrisano | AGRIeco | 99.55 | — | 89.35 | 84.25 | 79.25 | 74.05 | 68.95 |
| 10 | KPT | KPTwin.win | 99.65 | — | 90.75 | — | 81.85 | — | 72.95 |
| 11 |  Helsana | BeneFit PLUS Hausarzt R1 | 100.45 | — | — | — | — | 73.35 | — |
| 12 | Helsana | BeneFit PLUS Flexmed R1 | 100.45 | — | — | — | — | 73.35 | — |
| 13 | ÖKK | Select | 100.55 | — | 89.75 | — | 78.85 | — | 67.95 |
| 14 | Assura | Family doctor | 100.55 | 95.15 | 89.75 | 84.25 | 78.85 | 73.45 | 67.95 |
| 15 | Assura | PharMed | 100.55 | 95.15 | 89.75 | 84.25 | 78.85 | 73.45 | 67.95 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Winterthur, without accident cover, the cheapest health insurance premium is:
- 92.75 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 61.45 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 Winterthur for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Winterthur is Agrisano (AGRIsmart) at 92.75 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Wädenswil (Standard model) at 106.15 CHF a month.
How much does health insurance cost in Winterthur in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 92.75 CHF (Agrisano, AGRIsmart) to 155.65 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 Winterthur for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 92.75 CHF a month with the 0 CHF deductible to 64.15 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Winterthur 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 without accident cover, the cheapest premium per model is: standard model 106.15 CHF (Krankenkasse Wädenswil), family doctor / HMO 94.05 CHF (CSS), flexible model 99.35 CHF (Assura), telemedicine 92.75 CHF (Agrisano).
Does a second or third child pay less in Winterthur?
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 Winterthur file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 92.75 CHF | 39.45 CHF from the 3rd child |
| Visana | Managed Care | 107.65 CHF | 42.05 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 112.45 CHF | 43.95 CHF from the 3rd child |
| sana24 | Managed Care | 132.35 CHF | 47.95 CHF from the 3rd child |
| Aquilana | SMARTMED | 102.45 CHF | 48.65 CHF from the 3rd child |
| Galenos | Managed Care | 129.75 CHF | 49.15 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 104.35 CHF | 49.65 CHF from the 3rd child |
| CONCORDIA | HMO | 109.75 CHF | 50.75 CHF from the 3rd child |
| rhenusana | sanmed24 | 110.05 CHF | 52.45 CHF from the 3rd child |
| Krankenkasse Steffisburg | Sanmed24 | 116.95 CHF | 68.15 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 112.25 CHF | 74.70 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 119.25 CHF | 88.15 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 120.65 CHF | 89.25 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 102.95 CHF | 92.15 CHF from the 3rd child |
| Assura | Qualimed | 99.35 CHF | 97.95 CHF from the 4th child, 96.45 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 130.95 CHF | 96.95 CHF from the 5th child |
| EGK | EGK-TelCare | 118.85 CHF | 103.95 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 97.90 CHF at Agrisano (AGRIsmart) gives 92.75 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.