Key points at a glance
This page is written for residents of Giswil, in the canton of Obwalden, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Giswil, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Giswil belongs to region 0 in the canton of Obwalden) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Giswil has roughly 3’657 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Giswil, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Lungern (5 km), Sachseln (6 km), Sarnen (9 km).
Giswil at a glance: your local context
Giswil, a municipality of roughly 3’657 residents in the canton of Obwalden, has its own profile when it comes to health insurance. For health insurance premiums, Giswil belongs to FOPH premium region 0 of the canton of Obwalden. Two neighbouring municipalities can sit in different premium regions — and therefore pay noticeably different premiums for identical benefits. Always compare for your exact municipality of residence, not a cantonal average.
- Population: roughly 3’657
- Canton: Obwalden
- Basic-insurance premium region (FOPH/OFSP): region 0
- Postal code (NPA): 6074
- Federal municipality number (BFS): 1403
Health insurance and supplementary cover around Giswil: compare neighbouring municipalities
Living or working near Giswil? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Lungern — 5.4 km away
- Health insurance and supplementary cover in Sachseln — 5.6 km away
- Health insurance and supplementary cover in Sarnen — 8.5 km away
- Health insurance and supplementary cover in Kerns — 10.4 km away
- Health insurance and supplementary cover in Hasliberg — 10.7 km away
- Health insurance and supplementary cover in Brienzwiler — 11.0 km away
- Health insurance and supplementary cover in Meiringen — 11.7 km away
- Health insurance and supplementary cover in Hofstetten bei Brienz — 12.1 km away
- Health insurance and supplementary cover in Schattenhalb — 13.0 km away
- Health insurance and supplementary cover in Alpnach — 13.7 km away
Health insurance premiums 2026 in Giswil: the real numbers
The range in Giswil is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 383 to 574 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 2’293 francs a year, without giving anything up. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 383 – 574 CHF | from 272 CHF |
| Young adults (19–25) | 279 – 454 CHF | from 171 CHF |
| Children (0–18) | 27 – 125 CHF | — |
Our comparison tool does this work for you: the 74 insurers available for Giswil are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Giswil: choosing insurer, deductible and model
You steer your premium in Giswil with three levers. The insurer first — it costs nothing in benefits and brings the most. Then the deductible between 300 and 2’500 CHF: high deductible for healthy people with a financial cushion, low deductible for ongoing treatment or planned procedures. For comparison: with a 2’500 CHF deductible, the adult premium in Giswil starts as low as 272 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Obwalden: the entitlement goes surprisingly often unclaimed.
Checklist for Giswil
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Obwalden.
Free premium comparison for Giswil →
How we work for Giswil
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Obwalden. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Giswil this difference is measurable: 383–574 francs a month for adults, i.e. up to 2’293 francs a year across 74 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Giswil (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Giswil?
In Giswil (postal code 6074), the 2026 adult basic-insurance premium ranges from 383 to 574 francs a month depending on the insurer (deductible 300), from 279 francs for young adults and from 27 francs for children. For identical cover, the difference reaches up to 2’293 francs a year (FOPH premium region 0 of the canton of Obwalden). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Giswil have the same premiums?
Not necessarily. Giswil and nearby municipalities such as Lungern (5 km), Sachseln (6 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Giswil?
No, it is for orientation in Giswil. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Obwalden.
Can I compare "Health insurance and supplementary cover" in Giswil with no obligation?
Of course. The starting point is your situation in Giswil; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.