Birchmeier Hausarztsystem — Aargau
Aargau: the Hausarztsystem model from Birchmeier costs CHF 504.50 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 504.50, Hausarztsystem is not the lowest premium here: Agrisano goes down to CHF 453.80. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausarztsystem costs CHF 747.60 less per year than Birchmeier's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 504.50 | CHF 474.20 |
| 500 | CHF 494.50 | CHF 464.90 |
| 1'000 | CHF 468.90 | CHF 440.80 |
| 1'500 | CHF 443.70 | CHF 417.10 |
| 2'000 | CHF 418.10 | CHF 393.10 |
| 2'500 | CHF 379.50 | CHF 356.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 370.80 | CHF 348.60 |
| 500 | CHF 360.50 | CHF 338.90 |
| 1'000 | CHF 335.10 | CHF 315.00 |
| 1'500 | CHF 309.80 | CHF 291.30 |
| 2'000 | CHF 284.50 | CHF 267.50 |
| 2'500 | CHF 245.80 | CHF 231.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 116.10 | CHF 109.20 |
| 100 | CHF 110.90 | CHF 104.30 |
| 200 | CHF 105.80 | CHF 99.50 |
| 300 | CHF 100.80 | CHF 94.80 |
| 400 | CHF 95.70 | CHF 90.00 |
| 500 | CHF 90.60 | CHF 85.20 |
| 600 | CHF 85.50 | CHF 80.40 |
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.