Health insurance in the canton of Obwalden: 2026 premiums compared
Official basic insurance premiums — premium region Sarnen
CHF 408.25
Cheapest premium (CHF 300 deductible)
CHF 460.96
Average (CHF 300 deductible)
CHF 279.95
Cheapest premium (CHF 2,500 deductible)
103
Tariffs compared
Obwalden, with its capital Sarnen, is a rural canton in central Switzerland and forms a single premium region — from the Sarneraa valley to the monastery village of Engelberg, which belongs to the canton as an exclave. Its premium level has been below the Swiss average for years. Basic care is provided by the Cantonal Hospital of Obwalden in Sarnen; for highly specialised medicine, residents usually travel to Lucerne.
The cheapest health insurers in the canton of Obwalden
CONCORDIA
HMO
HMO
CHF 409.75
CONCORDIA
smartDoc
Telmed / other
CHF 414.45
| Insurer | Tariff | Model | Premium/month |
|---|---|---|---|
| CONCORDIA | HMO | HMO | CHF 409.75 |
| CONCORDIA | smartDoc | Telmed / other | CHF 414.45 |
Adult (born 1990), CHF 300 deductible, with accident cover, premium region Sarnen — official FOPH premiums 2026 · 07.09.2026
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Calculate premiums in the canton of Obwalden →Frequently asked questions — health insurance in the canton of Obwalden
How many premium regions does the canton of Obwalden have?▼
Obwalden forms a single premium region. The exclave of Engelberg is part of it too — within the canton, your premium therefore does not depend on where you live but on the insurer, the insurance model and the deductible.
Are telemedicine models worthwhile in Obwalden?▼
In a rural canton with few network practices, telemedicine models are often the most practical way to save: the initial consultation takes place by phone or digitally, regardless of where you live. With family-doctor models, check in advance whether your doctor in Sarnen, Kerns or Engelberg is on the insurer’s list.
Until when must I cancel in Obwalden if I want to switch insurer?▼
Your cancellation of basic insurance must reach your current insurer by 30 November; the switch takes effect on 1 January. The insurance year ends on 31 December. An annual comparison pays off in Obwalden too, because basic insurance benefits are identical across all insurers.