Health Premiums 2027 for Children: What Families Pay by Canton

The approved health insurance premiums for 2027 were published on 29 September 2026. The BAG mean premium for children (0 to 18) rises by 4.6% to CHF 128.10 a month. This Swiss mean covers all franchises and models, with and without accident cover. Young adults (19 to 25) reach CHF 338.80 and adults (26 and over) CHF 487.60. The overall mean premium is CHF 412, up 5.0% (FDHA, 29 September 2026).

For one fixed profile, the canton makes the biggest difference. Take a child (0 to 18) in the standard model with franchise CHF 0 and accident cover. In 2027, averaged over all insurers and premium regions, this costs CHF 109 a month in Zug and CHF 192 in Geneva. To switch insurer for 2027, your cancellation must reach your insurer by 30 November 2026.

Child and young adult premiums 2027 in all 26 cantons

We calculated this table from the official BAG premium data for 2027. Each figure is a simple average of all insurers and premium regions in the canton, for the standard model with accident cover. Children (0 to 18) have the ordinary franchise of CHF 0, young adults (19 to 25) the ordinary franchise of CHF 300.

These averages are higher than the BAG mean premiums. The BAG mean counts every franchise and every model, weighted by the number of insured people. In Zug, the 2027 BAG mean premium for children is CHF 90.70, against CHF 109 for our standard profile (BAG, 29 September 2026). Our method is explained on the data and method page.

How much more a child costs than in 2026

For the same child profile, the monthly premium rises in every canton. The increase ranges from CHF 3 in Zug to CHF 8 in Jura. Nationally, the BAG mean premium for children rises by CHF 5.70.

The bigger jump comes when a child moves up an age class. Age classes follow the year of birth (Art. 91 para. 3 KVV, fedlex 2026). A child stays in the child class until the end of the year in which they turn 18. Children born in 2008 therefore pay the young adult premium from 1 January 2027. In Zurich in 2027, that means CHF 466 instead of CHF 150 a month, each with the ordinary franchise. Both are our profiles: standard model, with accident cover, average of all insurers and regions. This change gives no extra right to cancel, so the usual deadlines apply (Priminfo FAQ, 2026).

Same cover, different price: the gap between insurers

In basic insurance, all insurers pay for the same benefits (Priminfo, 2026). The table shows the cheapest and the most expensive single insurer premium for this child profile. It covers all premium regions of the canton.

In cantons with several premium regions, the gap within your own region can be smaller. We do not name insurers here. The official calculator lists every insurer for your municipality (Priminfo premium calculator 2027). In basic insurance, insurers must accept every person.

Family example: two adults and two children

Here is what a family of four pays on average in three cantons. Both adults are 26 or older and have franchise CHF 300. Both children are 0 to 18 and have franchise CHF 0. Everyone is in the standard model with accident cover.

The same family pays CHF 826 more a month in Geneva than in Zug. That is CHF 9'912 a year. Employees who work at least eight hours a week are insured against accidents by their employer. They can have accident cover removed from basic insurance and pay a lower premium (Priminfo, 2026). Our example includes accident cover for everyone, so employed parents without it pay less than shown.

What parents can do before 30 November

All key dates are in our premium calendar to 30 November.

1. Read the premium letter. Your insurer must tell you the new 2027 premium by 31 October at the latest (Art. 7 para. 2 KVG, fedlex 2026).
2. Compare each child separately. Every family member is insured individually, and there is no family insurance (Priminfo FAQ, 2026). Enter each child in the calculator.
3. Cancel in time. Your cancellation must reach the insurer by Monday, 30 November 2026. The date of receipt counts, not the postmark. Priminfo suggests a registered letter sent by mid-November.
4. Join the new insurer early. Your old cover only ends once the new insurer confirms that you are insured without a gap.
5. Check the child franchise. The ordinary franchise for children is CHF 0. Optional franchises range from CHF 100 to CHF 600 (Art. 93 KVV, fedlex 2026). With CHF 600, the premium discount may not exceed CHF 420 a year. In return, your child's maximum cost sharing rises from CHF 350 to CHF 950 a year. A higher franchise can only start on 1 January (Art. 94 KVV). More in our franchise guide.
6. Think of siblings. Children pay no franchise in the ordinary insurance, and their 10% co-payment is capped at CHF 350 a year (Art. 103 KVV). Several children of one family may be with the same insurer. Together they then pay at most the franchise and maximum co-payment of one adult (Art. 64 para. 4 KVG, fedlex 2026).

Where Eini fits

The Insurance module in the Eini app compares your basic premium with the official BAG premiums 2026 and 2027. It includes a franchise calculator and reminds you of renewal and cancellation deadlines such as 30 November. Eini sells no insurance and gets no commissions. Insurance is part of Eini Premium: CHF 3 a week or CHF 90 a year, with a 7-day free trial.