Health insurance premiums 2026 in Gurbrü (BE)For a child aged 0 to 18 without accident cover
From 65.35 to 161.45 CHF a month depending on the deductible and the model
129 offers from 26 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  ÖKK | HMO model | 97.95 | — | 87.15 | — | 76.25 | — | 65.35 |
| 2 |  Agrisano | AGRIsmart | 98.75 | — | 89.15 | 84.45 | 79.75 | 74.95 | 70.15 |
| 3 | ÖKK | Family doctor | 100.25 | — | 89.45 | — | 78.55 | — | 67.75 |
| 4 | ÖKK | Select | 100.25 | — | 89.45 | — | 78.55 | — | 67.75 |
| 5 | ÖKK | Telemedicine | 102.05 | — | 91.25 | — | 80.35 | — | 69.45 |
| 6 |  Visana | VIVA – Gesundheitsplan | 102.55 | 97.15 | 94.35 | 88.85 | 85.95 | 80.45 | 74.95 |
| 7 |  Helsana | BeneFit PLUS Hausarzt R1 | 103.55 | — | — | — | — | 76.45 | — |
| 8 | Helsana | BeneFit PLUS Flexmed R1 | 103.55 | — | — | — | — | 76.45 | — |
| 9 | Agrisano | AGRIcontact | 104.15 | — | 94.15 | 89.15 | 84.15 | 79.15 | 74.05 |
| 10 |  CSS | HMO (health practice) | 104.75 | 99.35 | 93.95 | 88.45 | 83.05 | — | 72.15 |
| 11 | Helsana | BeneFit PLUS Hausarzt R2 | 104.85 | — | — | — | — | 77.75 | — |
| 12 | Visana | HMO plus | 104.95 | 99.45 | 94.05 | 88.55 | 83.15 | 77.65 | 72.25 |
| 13 |  KPT | KPTwin.smart | 105.25 | — | 96.65 | — | 87.85 | — | 79.15 |
| 14 | KPT | KPTwin.win | 105.25 | — | 96.65 | — | 87.85 | — | 79.15 |
| 15 | CSS | Hausarztversicherung Profit | 105.55 | 100.15 | 94.75 | 89.25 | 83.85 | — | 73.05 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Gurbrü, without accident cover, the cheapest health insurance premium is:
- 97.95 CHF a month with a 0 CHF deductible (ÖKK, HMO model)
- 65.35 CHF a month with a 600 CHF deductible (ÖKK, HMO model)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Gurbrü for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Gurbrü is ÖKK (HMO model) at 97.95 CHF a month.
How much does health insurance cost in Gurbrü in 2026 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 97.95 CHF (ÖKK, HMO model) to 161.45 CHF (Sympany, 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: 113.65 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Gurbrü for a child aged 0 to 18 without accident cover?
On the cheapest offer (ÖKK, HMO model), the premium goes from 97.95 CHF a month with the 0 CHF deductible to 65.35 CHF with the 600 CHF deductible: 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Gurbrü 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 (ÖKK), family doctor / HMO 97.95 CHF (ÖKK), flexible model 100.25 CHF (ÖKK), telemedicine 98.75 CHF (Agrisano).
Does a second or third child pay less in Gurbrü?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 18 of the 26 insurers present in Gurbrü file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Visana | VIVA – Gesundheitsplan | 102.55 CHF | 39.95 CHF from the 3rd child |
| Agrisano | AGRIsmart | 98.75 CHF | 42.05 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 116.15 CHF | 45.45 CHF from the 3rd child |
| Galenos | Managed Care | 122.55 CHF | 46.15 CHF from the 3rd child |
| sana24 | Managed Care | 129.65 CHF | 49.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 106.45 CHF | 50.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 109.55 CHF | 52.25 CHF from the 3rd child |
| CONCORDIA | HMO | 109.05 CHF | 55.05 CHF from the 3rd child |
| sodalis | Digimed | 109.25 CHF | 59.65 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 109.15 CHF | 63.45 CHF from the 3rd child |
| rhenusana | sanmed24 | 136.15 CHF | 65.55 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 109.25 CHF | 80.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 111.25 CHF | 82.15 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 121.50 CHF | 82.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 116.45 CHF | 86.05 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 111.35 CHF | 99.75 CHF from the 3rd child |
| Assura | PharMed | 108.85 CHF | 107.45 CHF from the 4th child, 106.05 CHF from the 5th child |
| EGK | EGK-Care | 122.35 CHF | 107.05 CHF from the 3rd 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 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 103.10 CHF at ÖKK (HMO model) gives 97.95 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.
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.