# Health insurance premiums 2027 in Affoltern im Emmental (BE), for a young adult aged 19 to 25 who wants a deductible of 300 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with accident cover · monthly premiums in CHF_

In [Affoltern im Emmental](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2027, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/) with a 300 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/), the cheapest monthly basic insurance premium is **337.05 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 496.25 CHF with rhenusana (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 337.05 | 326.85 | 301.75 | 276.45 | 251.25 | 226.05 | +4.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 356.75 | 346.05 | 319.45 | 292.75 | 265.95 | 239.35 | +5.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 357.25 | 345.60 | 316.45 | 287.25 | 258.10 | 228.95 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 357.25 | 345.60 | 316.45 | 287.25 | 258.10 | 228.95 | +3.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 358.75 | 347.95 | 321.25 | 294.35 | 267.45 | 240.75 | +4.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 358.85 | 347.95 | 321.25 | 294.45 | 267.55 | 240.75 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 361.05 | 349.40 | 320.25 | 291.05 | 261.90 | 232.75 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 361.05 | 349.40 | 320.25 | 291.05 | 261.90 | 232.75 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 361.05 | 349.40 | 320.25 | 291.05 | 261.90 | 232.75 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 361.05 | 349.40 | 320.25 | 291.05 | 261.90 | 232.75 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 361.05 | 349.40 | 320.25 | 291.05 | 261.90 | 232.75 | +3.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 363.65 | 352.05 | 322.85 | 293.65 | 264.55 | 235.35 | +5.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 365.55 | 353.95 | 324.75 | 295.55 | 266.45 | 245.55 | +7.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 365.75 | 359.15 | 324.95 | 295.75 | 266.65 | 237.45 | +10.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 366.05 | 355.25 | 328.45 | 296.05 | 270.05 | 241.05 | +5.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 366.05 | 355.25 | 328.45 | 296.05 | 270.05 | 241.05 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 367.35 | 360.75 | 326.55 | 297.35 | 268.25 | 239.05 | +6.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 367.45 | 355.85 | 326.65 | 297.45 | 268.35 | 239.15 | +0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 371.75 | 365.15 | 330.95 | 301.75 | 272.65 | 243.45 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 372.15 | 365.55 | 331.35 | 302.15 | 273.05 | 243.85 | +5.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 372.35 | 360.70 | 331.55 | 302.35 | 273.20 | 244.05 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 372.75 | 366.15 | 331.95 | 302.75 | 273.65 | 244.45 | +4.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 373.15 | 363.05 | 337.65 | 312.35 | 286.95 | 267.65 | +4.0 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 373.95 | 362.35 | 333.15 | 303.95 | 274.85 | 245.65 | +7.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 373.95 | 362.35 | 333.15 | 303.95 | 274.85 | 245.65 | +7.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 374.15 | 362.65 | 333.65 | 304.15 | 275.15 | 246.15 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 375.45 | 363.75 | 334.55 | 305.45 | 276.25 | 247.05 | +0.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 378.45 | 366.85 | 337.65 | 308.45 | 279.35 | 250.15 | +0.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 378.45 | 366.95 | 337.95 | 308.45 | 279.45 | 250.45 | +2.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 378.95 | 367.35 | 338.15 | 308.95 | 279.85 | 250.65 | +3.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 379.85 | 373.15 | 338.95 | 309.85 | 280.65 | 251.45 | +4.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 380.25 | 368.65 | 339.45 | 310.25 | 281.15 | 251.95 | +7.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Medcasa | 380.75 | 369.25 | 340.05 | 310.85 | 281.75 | 255.75 | +0.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 384.15 | 372.55 | 343.35 | 314.15 | 285.05 | 255.85 | +3.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 385.15 | 373.55 | 344.35 | 315.25 | 286.05 | 260.15 | +3.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 385.85 | 374.25 | 345.05 | 315.85 | 286.75 | 257.55 | New tariff 2027 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 386.15 | 374.55 | 345.35 | 316.25 | 287.05 | 259.15 | +4.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 387.15 | 375.65 | 346.65 | 317.15 | 288.15 | 259.15 | +2.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 387.15 | 375.65 | 346.65 | 317.15 | 288.15 | 259.15 | +2.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 389.55 | 377.95 | 348.75 | 319.55 | 290.45 | 261.25 | +0.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 389.75 | 378.05 | 348.95 | 319.75 | 290.55 | 261.45 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 389.75 | 378.05 | 348.95 | 319.75 | 290.55 | 261.45 | +5.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 390.35 | 378.65 | 349.55 | 320.35 | 291.15 | 262.05 | +4.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 391.65 | 380.05 | 350.85 | 321.65 | 292.55 | 263.35 | +0.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 391.95 | 380.35 | 351.15 | 321.95 | 292.85 | 263.65 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 391.95 | 380.35 | 351.15 | 321.95 | 292.85 | 263.65 | +5.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 392.65 | 380.95 | 351.75 | 322.65 | 293.45 | 264.25 | +0.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 393.85 | 387.15 | 352.95 | 323.85 | 294.65 | 265.45 | +4.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 394.55 | 382.95 | 353.75 | 324.55 | 295.45 | 266.25 | +6.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 394.55 | 382.95 | 353.75 | 324.55 | 295.45 | 266.25 | +6.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 395.05 | 383.45 | 354.25 | 325.05 | 295.95 | 266.75 | +6.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 396.25 | 389.55 | 355.35 | 326.25 | 297.05 | 267.85 | +3.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 396.55 | 384.85 | 360.05 | 330.85 | 297.35 | 268.15 | +5.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 396.55 | 384.85 | 362.25 | 333.05 | 297.35 | 268.15 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 397.35 | 385.65 | 356.45 | 327.35 | 298.15 | 268.95 | +0.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 397.35 | 385.75 | 356.55 | 327.35 | 298.25 | 269.05 | +6.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 397.55 | 386.05 | 357.05 | 327.55 | 298.55 | 269.55 | +8.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 397.75 | 386.15 | 356.95 | 327.75 | 298.65 | 269.45 | +5.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 398.25 | 386.75 | 357.45 | 328.25 | 299.15 | 269.95 | +5.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 398.65 | 387.05 | 357.85 | 328.65 | 299.55 | 270.35 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 399.65 | 388.05 | 358.85 | 329.65 | 300.55 | 271.35 | +6.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 400.05 | 388.45 | 359.25 | 330.05 | 300.95 | 271.75 | +5.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 403.65 | 392.05 | 362.85 | 333.65 | 304.55 | 275.35 | +6.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 403.75 | 392.15 | 362.95 | 333.75 | — | 275.45 | −0.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 403.75 | 392.15 | 362.95 | 333.75 | — | 275.45 | +3.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 404.55 | 392.85 | 363.70 | 334.55 | 305.35 | 276.20 | +2.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 404.55 | 392.85 | 363.65 | 334.55 | 305.35 | 276.15 | +3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 405.95 | 394.35 | 365.15 | 335.95 | 306.85 | 277.65 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 408.55 | 401.15 | 376.35 | 347.25 | 326.75 | 297.65 | +5.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 408.90 | 397.20 | 368.05 | 338.90 | 309.70 | 280.55 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 409.25 | 397.65 | 368.45 | 339.25 | 310.15 | 280.95 | +5.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 409.45 | 397.95 | 368.95 | 339.45 | 310.45 | 281.45 | +8.9 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Digimed | 409.95 | 398.35 | 369.15 | 339.95 | 310.85 | 281.65 | +8.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 410.35 | 398.75 | 369.55 | 340.35 | 311.25 | 282.05 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 410.75 | 399.15 | 369.95 | 340.75 | — | 282.45 | +3.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 410.75 | 399.15 | 369.95 | 340.75 | 311.65 | 282.45 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 411.75 | 404.45 | 375.35 | 346.15 | 312.65 | 283.45 | +5.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 412.15 | 400.65 | 371.65 | 342.15 | 313.15 | 284.15 | +2.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 414.15 | 402.65 | 373.65 | 344.15 | 315.15 | 286.15 | +8.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 414.55 | 403.05 | 374.05 | 344.55 | 315.55 | 286.55 | +2.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 415.55 | 403.95 | 374.75 | 345.55 | 316.45 | 287.25 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 415.55 | 403.95 | 374.75 | 345.55 | 316.45 | 287.25 | +7.4 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 415.85 | 404.25 | 375.05 | 345.85 | 316.75 | 287.55 | +3.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 416.05 | 404.45 | 375.25 | 346.05 | 316.95 | 287.75 | +7.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 417.85 | 406.25 | 377.05 | 347.85 | — | 289.55 | +3.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 418.35 | 411.05 | 386.25 | 357.05 | 332.25 | 303.05 | +6.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 418.45 | 406.85 | 377.65 | 348.45 | 319.35 | 290.15 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 419.15 | 407.65 | 378.65 | 349.15 | 320.15 | 291.15 | +0.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 419.15 | 407.65 | 378.65 | 349.15 | 320.15 | 291.15 | +3.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 419.45 | 407.75 | 378.55 | 349.45 | 320.25 | 291.05 | +2.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 420.15 | 408.55 | 379.35 | 350.15 | 321.05 | 295.25 | +3.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 420.45 | 413.15 | 388.35 | 359.25 | 332.25 | 303.05 | +3.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 420.45 | 408.85 | 379.65 | 350.45 | 321.35 | 292.15 | +6.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 423.95 | 412.25 | 383.05 | 353.95 | 324.75 | 295.55 | +2.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 424.85 | 413.25 | 384.05 | 354.85 | 325.75 | 296.55 | +6.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 424.85 | 413.25 | 384.05 | 354.85 | — | 296.55 | +3.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 425.25 | 413.55 | 384.45 | 355.25 | 326.05 | 296.95 | +0.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 427.15 | 416.95 | 391.25 | 365.55 | 339.95 | 314.25 | +5.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 428.25 | 416.75 | 387.75 | 358.25 | 329.25 | 300.25 | +2.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 428.45 | 416.95 | 387.95 | 358.45 | 329.45 | 300.45 | +8.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 429.55 | 417.95 | 388.75 | 359.65 | 330.45 | 301.25 | +4.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 430.05 | 418.45 | 389.25 | 360.05 | 330.95 | 301.75 | +5.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 430.65 | 419.00 | 389.80 | 360.65 | 331.50 | 302.30 | +2.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 431.35 | 419.75 | 390.55 | 361.35 | 332.25 | 303.05 | +1.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 431.85 | 420.25 | 391.05 | 361.85 | 332.75 | 303.55 | +6.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 431.85 | 420.25 | 391.05 | 361.85 | 332.75 | 303.55 | +6.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 432.95 | 421.25 | 392.15 | 362.95 | 333.75 | 304.65 | +2.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 433.25 | 421.65 | 392.45 | 363.25 | 334.15 | 304.95 | +3.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 435.65 | 424.05 | 394.85 | 365.65 | 336.55 | 307.35 | +0.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 437.05 | 426.55 | 400.25 | 374.05 | 347.85 | 321.55 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 439.75 | 428.15 | 398.95 | 369.75 | 340.65 | 311.45 | +6.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 441.95 | 431.35 | 404.75 | 378.25 | 351.75 | 325.15 | +5.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 441.95 | 430.25 | 401.15 | 371.95 | 342.75 | 313.65 | +2.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 443.55 | 431.85 | 402.65 | 373.55 | 344.35 | 315.15 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 446.45 | 434.75 | 405.65 | 376.45 | 347.25 | 318.15 | +2.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 449.35 | 440.25 | 417.55 | 390.30 | 363.05 | 335.80 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 454.75 | 443.15 | 413.95 | 384.75 | 355.65 | 326.45 | +6.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 455.25 | 443.65 | 414.45 | 385.25 | 356.15 | 326.95 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 456.25 | 447.25 | 424.75 | 402.25 | 379.25 | 356.75 | +4.0 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 457.35 | 445.75 | 416.55 | 387.35 | 358.25 | 329.05 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 461.05 | 449.55 | 420.55 | 391.05 | 362.05 | 333.05 | +0.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 471.25 | 459.75 | 430.75 | 401.25 | 372.25 | 343.25 | +8.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 473.25 | 463.70 | 439.80 | 411.10 | 382.45 | 353.75 | 0.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 473.85 | 462.25 | 433.05 | 403.85 | — | 345.55 | +3.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 478.45 | 466.85 | 437.65 | 408.45 | 379.35 | 350.15 | +6.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 478.75 | 467.15 | 438.25 | 408.75 | 384.75 | 361.75 | +4.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 486.15 | 474.55 | 445.35 | 416.15 | 387.05 | 357.85 | +5.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 496.25 | 486.25 | 461.75 | 437.25 | 412.75 | 388.25 | +4.0 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Affoltern im Emmental for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/), the cheapest offer in [Affoltern im Emmental](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/) is Agrisano (AGRIsmart) at 337.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 372.35 CHF a month.

### How much does health insurance cost in Affoltern im Emmental in 2027 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/) with a deductible of 300 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/), monthly premiums run from 337.05 CHF (Agrisano, AGRIsmart) to 496.25 CHF (rhenusana, 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: 298.25 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Affoltern im Emmental for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 337.05 CHF a month with the 300 CHF deductible to 226.05 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-2500/): 111.00 CHF less a month, 1'332.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'780 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Affoltern im Emmental for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 372.35 CHF (Sanitas), family doctor / HMO 357.25 CHF (Sanitas), flexible model 361.05 CHF (Sanitas), telemedicine 337.05 CHF (Agrisano).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 341.80 CHF at Agrisano (AGRIsmart) gives 337.05 CHF after redistribution.

### 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Affoltern im Emmental is in region 3 of canton Bern.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Affoltern im Emmental (BE): every situation: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/
- Premiums 2027 in Affoltern im Emmental (BE), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/
- Premiums 2027 in Affoltern im Emmental (BE), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/child/
- Adult: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/no-accident/deductible-300/
- Deductible Premiums 2027 in Affoltern im Emmental (BE), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Affoltern im Emmental (BE), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Affoltern im Emmental (BE), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2027 in Affoltern im Emmental (BE), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Affoltern im Emmental (BE), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/affoltern-im-emmental/young-adult/with-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `affoltern-im-emmental` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-300` with `deductible-2500` for another deductible. Markdown version: add `.md`.