Health insurance premiums 2027 in Bern (BE)For a child aged 0 to 18 with accident cover
From 88.90 to 192.65 CHF a month depending on the deductible and the model
129 offers from 26 health insurers.
In 2027, for a child aged 0 to 18 in Bern, with accident cover, the cheapest health insurance premium is:
- 123.90 CHF a month with a 0 CHF deductible (Sanitas, TelMed Basic)
- 88.90 CHF a month with a 600 CHF deductible (Sanitas, TelMed Basic)
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Frequently asked questions
Which health insurance is the cheapest in Bern for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2027, with accident cover, the cheapest offer in Bern is Sanitas (TelMed Basic) at 123.90 CHF a month.
How much does health insurance cost in Bern in 2027 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 123.90 CHF (Sanitas, TelMed Basic) to 192.65 CHF (rhenusana, 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: 132.35 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Bern for a child aged 0 to 18 with accident cover?
On the cheapest offer (Sanitas, TelMed Basic), the premium goes from 123.90 CHF a month with the 0 CHF deductible to 88.90 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Bern 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 with accident cover, the cheapest premium per model is: standard model 129.25 CHF (Sanitas), family doctor / HMO 125.25 CHF (Sanitas), flexible model 126.55 CHF (Sanitas), telemedicine 123.90 CHF (Sanitas).
Does a second or third child pay less in Bern?
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 Bern file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Visana | VIVA health plan | 133.65 CHF | 53.15 CHF from the 3rd child |
| sana24 | Managed Care | 150.55 CHF | 57.55 CHF from the 3rd child |
| Agrisano | AGRIcontact | 136.75 CHF | 59.55 CHF from the 3rd child |
| Galenos | Managed Care | 155.75 CHF | 59.65 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 153.15 CHF | 64.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 134.55 CHF | 64.95 CHF from the 3rd child |
| CONCORDIA | HMO | 132.05 CHF | 67.25 CHF from the 3rd child |
| Aquilana | SMARTMED | 141.85 CHF | 68.55 CHF from the 3rd child |
| sodalis | Digimed | 141.55 CHF | 72.55 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 137.45 CHF | 73.55 CHF from the 3rd child |
| rhenusana | sanmed24 | 176.95 CHF | 86.15 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 133.85 CHF | 99.25 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 138.55 CHF | 102.75 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 142.15 CHF | 105.45 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 160.30 CHF | 107.50 CHF from the 3rd child |
| SLKK | SmartMed | 149.45 CHF | 134.05 CHF from the 3rd child |
| EGK | EGK-Care | 148.65 CHF | 136.45 CHF from the 3rd child |
| Assura | MediTel | 144.55 CHF | 142.85 CHF from the 4th child, 141.15 CHF from the 5th child |
The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.
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 128.65 CHF at Sanitas (TelMed Basic) gives 123.90 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.
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.