# Health insurance premiums 2026 in Bargen (BE), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF with accident cover

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

In [Bargen](https://praemiencheck.onedoc.ch/en/be/bargen/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/) with a 1'000 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/), the cheapest monthly basic insurance premium is **312.15 CHF** with **Visana** (VIVA – Gesundheitsplan model) and the most expensive is 474.75 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 352.15 | 345.45 | 312.15 | 282.95 | 254.65 | 225.45 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO plus | 353.85 | 347.15 | 312.95 | 283.85 | 254.65 | 225.45 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 359.85 | 348.25 | 319.05 | 289.85 | 260.75 | 239.85 | +5.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 357.65 | 347.65 | 322.55 | 297.45 | 272.35 | 247.35 | +6.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 363.85 | 357.15 | 323.05 | 293.85 | 264.65 | 235.55 | +2.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 368.05 | 361.35 | 327.15 | 298.05 | 268.85 | 239.65 | +2.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 368.15 | 356.55 | 327.35 | 298.15 | 269.05 | 239.85 | +2.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 368.15 | 356.55 | 327.35 | 298.15 | 269.05 | 239.85 | +2.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 369.85 | 358.25 | 329.05 | 299.85 | 270.75 | 241.55 | +1.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 374.35 | 362.75 | 333.55 | 304.35 | 275.25 | 246.05 | +2.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 375.15 | 368.45 | 334.25 | 305.15 | 275.95 | 246.75 | +2.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 375.15 | 363.85 | 335.55 | 306.95 | 278.15 | 249.15 | +5.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 375.15 | 363.85 | 335.55 | 306.95 | 278.15 | 249.15 | +5.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 376.95 | 365.45 | 336.45 | 306.95 | 277.95 | 248.95 | −0.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 377.35 | 365.75 | 336.55 | 307.35 | 278.25 | 249.05 | +1.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 378.15 | 366.55 | 337.35 | 308.15 | 279.05 | 249.85 | −1.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 379.55 | 367.95 | 338.75 | 309.55 | 280.45 | 251.25 | +3.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 376.65 | 366.05 | 339.75 | 313.35 | 286.85 | 260.55 | +5.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 | +3.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 381.80 | 370.20 | 341.00 | 311.80 | 282.70 | 253.50 | New tariff 2026 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 | +6.9 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 381.85 | 370.25 | 341.05 | 311.85 | 282.75 | 253.55 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 382.45 | 375.75 | 341.55 | 312.45 | 283.25 | 254.05 | +2.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 383.05 | 371.45 | 342.25 | 313.05 | 283.95 | 254.75 | +6.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 384.85 | 373.15 | 344.05 | 314.85 | 285.65 | 256.55 | −2.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 384.85 | 373.15 | 344.05 | 314.85 | 285.65 | 256.55 | −2.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 385.80 | 374.20 | 345.00 | 315.80 | 286.70 | 257.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 385.80 | 374.20 | 345.00 | 315.80 | 286.70 | 257.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 385.80 | 374.20 | 345.00 | 315.80 | 286.70 | 257.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 385.95 | 374.35 | 345.15 | 315.95 | 286.85 | 257.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 385.95 | 374.35 | 345.15 | 315.95 | 286.85 | 257.65 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 382.95 | 372.25 | 345.45 | 318.55 | 291.75 | 264.95 | +5.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 386.45 | 374.85 | 345.65 | 316.45 | 287.35 | 261.45 | +6.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 387.05 | 375.45 | 346.25 | 317.05 | 287.95 | 258.75 | +4.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 387.05 | 375.35 | 346.25 | 317.05 | 287.85 | 258.75 | −2.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 387.05 | 375.35 | 346.25 | 317.05 | 287.85 | 258.75 | −2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 388.45 | 376.85 | 347.65 | 318.45 | 289.35 | 260.15 | +7.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 388.25 | 376.75 | 347.75 | 318.25 | 289.25 | 260.25 | −0.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 388.85 | 377.25 | 348.05 | 318.85 | 289.75 | 260.55 | +5.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 389.85 | 378.25 | 349.05 | 319.85 | 290.75 | 261.55 | +1.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 390.95 | 379.35 | 350.25 | 321.05 | 291.85 | 265.95 | +1.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 391.15 | 379.65 | 350.65 | 321.15 | 292.15 | 263.15 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 391.85 | 385.15 | 350.95 | 321.85 | 292.65 | 263.45 | +2.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 392.15 | 380.55 | 351.35 | 322.15 | 293.05 | 263.85 | +11.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 388.35 | 376.75 | 352.15 | 322.95 | 289.25 | 260.05 | −4.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 392.85 | 381.35 | 352.35 | 322.85 | 293.85 | 264.85 | −0.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 395.65 | 384.15 | 355.15 | 325.65 | 296.65 | 267.65 | 0.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 391.15 | 381.15 | 355.55 | 328.35 | 303.05 | 274.55 | +6.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 397.95 | 386.35 | 357.15 | 327.95 | 298.85 | 269.65 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 398.25 | 386.65 | 357.45 | 328.25 | 299.15 | 269.95 | +5.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 399.95 | 388.25 | 359.15 | 329.95 | 300.75 | 271.65 | −10.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 401.45 | 389.85 | 360.65 | 331.45 | 302.35 | 273.15 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 401.45 | 389.85 | 360.65 | 331.45 | 302.35 | 273.15 | +3.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 401.55 | 389.95 | 360.75 | 331.55 | 302.45 | 273.25 | +11.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Regiomed | 404.25 | 392.65 | 363.45 | 334.25 | 305.25 | 279.25 | +9.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 404.75 | 393.15 | 363.95 | 334.85 | 305.65 | 277.35 | +5.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 404.85 | 393.25 | 364.05 | 334.85 | 305.75 | 276.55 | +5.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 404.75 | 393.25 | 364.25 | 334.75 | 305.75 | 276.75 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 404.75 | 393.25 | 364.25 | 334.75 | 305.75 | 276.75 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 405.25 | 393.65 | 364.45 | 335.25 | 306.15 | 276.95 | +7.3 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 406.25 | 394.65 | 365.45 | 336.25 | 307.15 | 277.95 | +3.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 406.35 | 394.85 | 365.85 | 336.35 | 307.35 | 278.35 | −0.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 408.15 | 396.55 | 367.35 | 338.15 | 309.15 | 279.85 | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 408.55 | 401.85 | 367.65 | 338.55 | 309.35 | 280.15 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 404.45 | 397.45 | 368.25 | 339.05 | 305.35 | 276.15 | +0.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 409.55 | 397.95 | 368.75 | 339.55 | 310.45 | 281.25 | +2.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 411.05 | 399.45 | 370.25 | 341.05 | 311.95 | 282.75 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 412.55 | 400.95 | 371.75 | 342.55 | 313.45 | 284.25 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 412.55 | 400.95 | 371.75 | 342.55 | 313.45 | 284.25 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 412.65 | 406.05 | 371.85 | 342.65 | 313.55 | 284.35 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 413.15 | 401.45 | 372.25 | 343.15 | 313.95 | 284.75 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 415.75 | 404.15 | 374.95 | 345.75 | 316.65 | 287.45 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 415.75 | 404.15 | 374.95 | 345.75 | 316.65 | 287.45 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 404.45 | 392.85 | 375.15 | 345.95 | 307.65 | 278.45 | +2.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 416.05 | 404.45 | 375.25 | 346.05 | — | 287.75 | +1.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 416.05 | 404.45 | 375.25 | 346.05 | — | 287.75 | +5.1 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 415.55 | 403.95 | 375.95 | 350.85 | 325.75 | 287.25 | +7.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 416.75 | 405.05 | 375.95 | 346.75 | 317.55 | 288.45 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 417.95 | 406.35 | 377.15 | 347.95 | 318.85 | 289.65 | +11.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 418.25 | 406.65 | 377.45 | 350.55 | 323.75 | 299.15 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 419.65 | 408.15 | 379.15 | 349.65 | 320.65 | 291.65 | +5.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 421.75 | 410.05 | 380.95 | 351.75 | 322.55 | 293.45 | −0.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 422.25 | 410.55 | 381.35 | 352.25 | 323.05 | 293.85 | −5.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 422.15 | 410.65 | 381.65 | 352.15 | 323.15 | 294.15 | +5.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 418.45 | 408.25 | 382.55 | 356.85 | 331.25 | 305.55 | +7.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 424.55 | 413.05 | 384.05 | 354.55 | 325.55 | 296.55 | +5.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 424.95 | 413.25 | 384.15 | 354.95 | 325.75 | 296.65 | +6.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 426.55 | 414.95 | 385.75 | 356.55 | 327.45 | 301.55 | +9.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 427.05 | 415.45 | 386.25 | 357.05 | — | 298.75 | +3.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 429.05 | 417.35 | 388.15 | 359.05 | 329.85 | 300.65 | New tariff 2026 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 427.95 | 416.35 | 388.35 | 363.25 | 338.15 | 299.65 | +7.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 430.15 | 418.55 | 389.35 | 360.15 | 331.05 | 301.85 | +5.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 430.65 | 419.05 | 389.85 | 360.65 | — | 302.35 | +2.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 428.05 | 417.65 | 391.35 | 365.05 | 338.85 | 312.55 | +7.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 434.35 | 422.75 | 393.55 | 366.65 | 339.85 | 315.25 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 434.15 | 422.65 | 393.65 | 364.15 | 335.15 | 306.15 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 434.45 | 422.85 | 393.65 | 364.45 | 335.35 | 306.15 | +3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 434.95 | 423.35 | 394.15 | 364.95 | 335.85 | 306.65 | +5.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 432.85 | 422.35 | 395.75 | 369.15 | 342.65 | 316.15 | +7.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 436.65 | 425.00 | 395.85 | 366.65 | 337.50 | 308.35 | +5.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 437.95 | 426.35 | 397.15 | 367.95 | — | 309.65 | +3.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 438.05 | 426.35 | 397.15 | 368.05 | 338.85 | 309.65 | −2.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 439.05 | 427.35 | 398.15 | 369.05 | 339.85 | 310.65 | +1.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 439.85 | 428.25 | 399.05 | 369.85 | 340.75 | 311.55 | +9.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 440.55 | 428.95 | 399.75 | 370.55 | 341.45 | 312.25 | +5.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 441.35 | 429.70 | 400.55 | 371.35 | 342.20 | 313.05 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 444.75 | 433.15 | 403.95 | 374.75 | 345.65 | 316.45 | +3.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 447.05 | 435.55 | 406.55 | 377.05 | 348.05 | 319.05 | −0.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 447.75 | 436.25 | 407.25 | 377.75 | 348.75 | 319.75 | 0.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 449.45 | 437.75 | 408.65 | 379.45 | 350.25 | 321.15 | −13.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 450.25 | 438.65 | 409.45 | 380.35 | 351.15 | 321.95 | +6.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 452.65 | 440.95 | 411.85 | 382.65 | 353.45 | 324.35 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 455.05 | 443.45 | 414.25 | 385.05 | 355.95 | 326.75 | +2.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 457.55 | 445.85 | 416.65 | 387.55 | 358.35 | 329.15 | +1.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 464.85 | 453.20 | 424.05 | 394.85 | 365.70 | 336.55 | +5.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 464.95 | 453.35 | 424.15 | 394.95 | 365.85 | 336.65 | +9.5 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 456.55 | 447.55 | 425.05 | 402.55 | 379.55 | 357.05 | +6.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 466.85 | 455.25 | 426.05 | 396.85 | 367.75 | 338.55 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 467.25 | 455.55 | 426.45 | 397.25 | 368.05 | 338.95 | +1.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 473.25 | 461.65 | 432.45 | 403.25 | 374.15 | 344.95 | +5.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 476.15 | 464.55 | 435.35 | 406.15 | 377.05 | 347.85 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 476.95 | 465.35 | 436.15 | 406.95 | 377.85 | 348.65 | +1.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 477.65 | 466.15 | 437.15 | 407.65 | 378.65 | 349.65 | +5.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 479.15 | 467.55 | 438.65 | 409.15 | 385.15 | 362.15 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 481.85 | 470.15 | 441.05 | 411.85 | 382.65 | 353.55 | +1.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 489.25 | 477.65 | 448.45 | 419.25 | — | 360.95 | +3.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 485.05 | 475.25 | 450.75 | 421.30 | 391.90 | 364.45 | +5.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 496.65 | 486.65 | 462.15 | 437.75 | 413.15 | 388.65 | +6.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.85 | 500.55 | 474.75 | 454.10 | 412.80 | 387.00 | +5.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Bargen for a young adult aged 19 to 25 with a deductible of 1'000 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/), the cheapest offer in [Bargen](https://praemiencheck.onedoc.ch/en/be/bargen/) is Visana (VIVA – Gesundheitsplan) at 312.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 357.15 CHF a month.

### How much does health insurance cost in Bargen in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/) with a deductible of 1'000 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/), monthly premiums run from 312.15 CHF (Visana, VIVA – Gesundheitsplan) to 474.75 CHF (vita surselva, Standard model): 129 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: 310.65 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 352.15 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-300/) to 225.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-2500/): 126.70 CHF less a month, 1'520.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'989 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Bargen 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 1'000 CHF and with accident cover, the cheapest premium per model is: standard model 357.15 CHF (Sanitas), family doctor / HMO 312.15 CHF (Visana), flexible model 327.35 CHF (ÖKK), telemedicine 322.55 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 317.30 CHF at Visana (VIVA – Gesundheitsplan) gives 312.15 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

## 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: Bargen is in region 2 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 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

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

## Related pages

- Health insurance premiums 2026 in Bargen (BE): every situation: https://praemiencheck.onedoc.ch/en/be/bargen/
- Premiums 2026 in Bargen (BE), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/
- Premiums 2026 in Bargen (BE), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/bargen/child/
- Adult: https://praemiencheck.onedoc.ch/en/be/bargen/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/no-accident/deductible-1000/
- Deductible Premiums 2026 in Bargen (BE), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Bargen (BE), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Bargen (BE), young adult, deductible of 1'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-1500/
- Deductible Premiums 2026 in Bargen (BE), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2026 in Bargen (BE), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/bargen/young-adult/with-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `bargen` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.