Health insurance premiums 2026 in Gsteig (BE)For a young adult aged 19 to 25

In 2026, without accident cover: Visana (VIVA – Gesundheitsplan) at 304.35 CHF a month with a deductible of 300 CHF, and Visana (HMO plus) at 187.95 CHF with the 2'500 CHF deductible. With accident cover: Agrisano (AGRIsmart) at 321.55 CHF, and Visana (HMO plus) at 201.45 CHF.

For a young adult aged 19 to 25 with Visana (VIVA – Gesundheitsplan), the premium rises from 304.35 CHF a month without accident cover to 325.95 CHF with accident cover, at the 300 CHF deductible: 21.60 CHF a month, 259.20 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

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 309.50 CHF at Visana (VIVA – Gesundheitsplan) gives 304.35 CHF after redistribution.

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.