Key points at a glance
This page is written for residents of Oberems, in the canton of Valais, 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 Oberems, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
Your premium depends on your FOPH/OFSP premium region (region 2 of the canton of Valais), never on your health: for basic insurance, every insurer must accept you. Oberems has roughly 122 residents — and every insured person is free to choose their own insurer. Below you will find the real 2026 premiums for Oberems, the main pitfalls to avoid and a free comparison. Neighbouring municipalities have their own pages too: Ergisch (8 km), Anniviers (8 km), Agarn (8 km).
Oberems at a glance: your local context
Oberems, a municipality of roughly 122 residents in the canton of Valais, has its own profile when it comes to health insurance. Oberems lies in premium region 2 of the canton of Valais (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 122
- Canton: Valais
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3948
- Federal municipality number (BFS): 6112
Health insurance and supplementary cover around Oberems: compare neighbouring municipalities
Around Oberems, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Ergisch — 7.7 km away
- Health insurance and supplementary cover in Anniviers — 7.9 km away
- Health insurance and supplementary cover in Agarn — 8.0 km away
- Health insurance and supplementary cover in Eischoll — 8.5 km away
- Health insurance and supplementary cover in Unterbäch — 9.5 km away
- Health insurance and supplementary cover in Saint-Nicolas — 9.6 km away
- Health insurance and supplementary cover in Turtmann-Unterems — 9.8 km away
- Health insurance and supplementary cover in Embd — 10.2 km away
- Health insurance and supplementary cover in Steg-Hohtenn — 10.8 km away
- Health insurance and supplementary cover in Guttet-Feschel — 11.6 km away
Health insurance premiums 2026 in Oberems: the real numbers
In Oberems, an adult with a 300 CHF deductible pays between 406 and 598 francs a month for basic insurance depending on the insurer — even though the benefits are, by law, exactly the same everywhere. For identical cover, the gap between the cheapest and the most expensive insurer reaches up to 2’299 francs a year. The lowest adult premium there comes with the "alternative model" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 406 – 598 CHF | from 295 CHF |
| Young adults (19–25) | 297 – 454 CHF | from 186 CHF |
| Children (0–18) | 30 – 130 CHF | — |
Our comparison tool does this work for you: the 76 insurers available for Oberems are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Compare premiums for Oberems →
Basic insurance in Oberems: choosing insurer, deductible and model
You steer your premium in Oberems 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 Oberems starts as low as 295 francs a month. Finally the insurance model: family-doctor, HMO or telemedicine are noticeably cheaper than free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Valais — many households leave this reduction unused.
Checklist for Oberems
- 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 Valais.
Free premium comparison for Oberems →
How we work for Oberems
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Valais. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Oberems this difference is measurable: 406–598 francs a month for adults, i.e. up to 2’299 francs a year across 76 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Oberems (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Oberems?
In Oberems (postal code 3948), the 2026 adult basic-insurance premium ranges from 406 to 598 francs a month depending on the insurer (deductible 300), from 297 francs for young adults and from 30 francs for children. For identical cover, the difference reaches up to 2’299 francs a year (FOPH premium region 2 of the canton of Valais). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Oberems have the same premiums?
Not necessarily. Oberems and nearby municipalities such as Ergisch (8 km), Anniviers (8 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 Oberems?
No, it is for orientation in Oberems. A personal decision belongs on the basis of your actual documents (policy, insurer confirmation) and, if needed, an authorised professional in the canton of Valais.
Can I compare "Health insurance and supplementary cover" in Oberems with no obligation?
Of course. The starting point is your situation in Oberems; 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?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
All information is provided without guarantee and may be affected by changes to the law or rates. No figure on this page creates a contractual entitlement: always check the definitive values with your insurer, the FOPH or your canton before you decide.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.