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128 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 0 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Aeschi bei Spiez (canton Bern), in 2027, for a child aged 0 to 18 with a 0 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 97.90 CHF with Agrisano (AGRIsmart model) and the most expensive is 157.30 CHF with Atupri (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Aeschi bei Spiez for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Aeschi bei Spiez is Agrisano (AGRIsmart) at 97.90 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 111.95 CHF a month.

How much does health insurance cost in Aeschi bei Spiez in 2027 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 97.90 CHF (Agrisano, AGRIsmart) to 157.30 CHF (Atupri, Standard model): 128 offers from 26 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 113.90 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Aeschi bei Spiez for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 97.90 CHF a month with the 0 CHF deductible to 69.10 CHF with the 600 CHF deductible: 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Aeschi bei Spiez for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 111.95 CHF (Sanitas), family doctor / HMO 101.10 CHF (ÖKK), flexible model 103.40 CHF (ÖKK), telemedicine 97.90 CHF (Agrisano).

Does a second or third child pay less in Aeschi bei Spiez?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 18 of the 26 insurers present in Aeschi bei Spiez file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart97.90 CHF44.50 CHF from the 3rd child
VisanaHMO plus109.60 CHF45.90 CHF from the 3rd child
GalenosManaged Care119.60 CHF48.10 CHF from the 3rd child
sana24Managed Care123.90 CHF49.80 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus107.10 CHF53.60 CHF from the 3rd child
AquilanaSMARTMED109.30 CHF54.70 CHF from the 3rd child
SWICAFavorit Multichoice127.20 CHF56.10 CHF from the 3rd child
CONCORDIAHMO108.40 CHF57.20 CHF from the 3rd child
sodalisDigimed113.50 CHF61.50 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa115.30 CHF63.50 CHF from the 3rd child
rhenusanasanmed24141.10 CHF70.60 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)108.30 CHF81.20 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine120.20 CHF82.95 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)117.30 CHF88.00 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)120.20 CHF90.20 CHF from the 5th child
SLKKSmartMed118.80 CHF107.00 CHF from the 3rd child
EGKEGK-TelCare117.00 CHF107.70 CHF from the 3rd child
AssuraMediTel116.40 CHF115.00 CHF from the 4th child, 113.80 CHF from the 5th child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

Until when can I change health insurer for 2027?

Your cancellation must reach your current insurer by 30 November 2026 at the latest; the change takes effect on 1 January 2027. The premiums on this page are those approved by the FOPH for 2027.

Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.