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128 offersfrom 27 health insurers

Child (0 to 18) · without accident cover · deductible of 400 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Zell (canton Zurich), in 2027, for a child aged 0 to 18 with a 400 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 74.50 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 147.40 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Zell for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Zell is ÖKK (ÖKK CASAMED HMO) at 74.50 CHF a month.

How much does health insurance cost in Zell in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 400 CHF and without accident cover, monthly premiums run from 74.50 CHF (ÖKK, ÖKK CASAMED HMO) to 147.40 CHF (Sympany, Standard model): 128 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: 120.80 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Zell for a child aged 0 to 18 without accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 96.20 CHF a month with the 0 CHF deductible to 63.70 CHF with the 600 CHF deductible: 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Zell 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 without accident cover, the cheapest premium per model is: standard model 86.40 CHF (ÖKK), family doctor / HMO 74.50 CHF (ÖKK), flexible model 78.40 CHF (ÖKK), telemedicine 76.60 CHF (Agrisano).

Does a second or third child pay less in Zell?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 16 of the 27 insurers present in Zell file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart76.60 CHF26.70 CHF from the 3rd child
VisanaManaged Care88.70 CHF30.00 CHF from the 3rd child
CONCORDIAHMO88.80 CHF33.40 CHF from the 3rd child
GalenosManaged Care102.90 CHF36.30 CHF from the 3rd child
sana24Managed Care111.20 CHF37.10 CHF from the 3rd child
SWICAStandard model112.30 CHF37.40 CHF from the 3rd child
AquilanaCASAMED83.80 CHF41.90 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor86.00 CHF43.00 CHF from the 3rd child
Krankenkasse Steffisburgsanmed2498.30 CHF54.10 CHF from the 3rd child
Krankenkasse Luzerner HinterlandTelemedicine98.10 CHF66.70 CHF from the 3rd child
SLKKSmartMed83.20 CHF72.90 CHF from the 3rd child
Groupe Mutuel – AvenirPrimaFlex (Flexible model)98.60 CHF73.90 CHF from the 5th child
AssuraMediTel77.40 CHF76.10 CHF from the 4th child, 74.80 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)103.20 CHF77.40 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)117.70 CHF88.30 CHF from the 5th child
EGKEGK-TelCare98.50 CHF88.90 CHF from the 3rd child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

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.