Health insurance for a family of four — Region 1 of canton Basel-Landschaft
For this household of 4 in Region 1 of canton Basel-Landschaft, the lowest bill is CHF 1'158.60 a month. Here is the breakdown.
The household total
CHF 1'158.60 a month, or CHF 13'903.20 a year, each person with the insurer that is cheapest for them.
At the market average the same household would pay CHF 1'429.08 a month. The gap is CHF 3'245.76 a year — that is what comparing is worth.
With a single insurer
Nothing requires a household to pick the same insurer for everyone, but many prefer it. The cheapest that covers every member is SWICA, at CHF 1'181.40 a month.
The breakdown, person by person
Two adults, CHF 300 deductible, accident suspended, and two children, CHF 0 deductible, accident included.
| Who | Deductible | Lowest premium | Insurer |
|---|---|---|---|
| 2 × Adult — without accident cover | CHF 300 | CHF 519.80 | Sanitas |
| 2 × Child | CHF 0 | CHF 59.50 | Visana |
Three things to check
A family adds up four premiums, so the gap between the cheapest insurer and the average is multiplied by four. Children get a much lower rate, a possible CHF 0 deductible and a reduced CHF 350 cost-sharing cap. Several insurers also grant a discount from the third child — it does not appear in the official premiums and is asked for directly.
- Nothing requires the whole family to be with the same insurer: the best choice can differ between adults and children.
- A CHF 0 deductible for a child is almost always right: the premium difference is small and paediatric visits are frequent.
- Check the cantonal subsidy: for families the income threshold is higher than most people assume.
Source: Federal Office of Public Health (FOPH), official premiums. 2026.