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Health insurance premiums 2026 in Guttannen (BE) For a child aged 0 to 18, deductible of 100 CHF, without accident cover

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128 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 100 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 5.15 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Guttannen (canton Bern), in 2026, for a child aged 0 to 18 with a 100 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 91.15 CHF with CSS (Hausarztversicherung Profit model) and the most expensive is 139.05 CHF with Atupri (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Guttannen for a child aged 0 to 18 with a deductible of 100 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in Guttannen is CSS (Hausarztversicherung Profit) at 91.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 98.25 CHF a month.

How much does health insurance cost in Guttannen in 2026 for a child aged 0 to 18?

For a child aged 0 to 18 with a deductible of 100 CHF and without accident cover, monthly premiums run from 91.15 CHF (CSS, Hausarztversicherung Profit) to 139.05 CHF (Atupri, 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: 104.05 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Guttannen for a child aged 0 to 18 without accident cover?

On the cheapest offer (CSS, Hausarztversicherung Profit), the premium goes from 96.55 CHF a month with the 0 CHF deductible to 63.95 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 Guttannen 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 100 CHF and without accident cover, the cheapest premium per model is: standard model 98.25 CHF (Sanitas), family doctor / HMO 91.15 CHF (CSS), flexible model 96.05 CHF (Sanitas), telemedicine 92.65 CHF (Visana).

Does a second or third child pay less in Guttannen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 26 insurers present in Guttannen file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
VisanaVIVA – Gesundheitsplan91.95 CHF33.55 CHF from the 3rd child
GalenosManaged Care108.25 CHF39.25 CHF from the 3rd child
sana24Managed Care109.75 CHF39.85 CHF from the 3rd child
Sumiswalder KrankenkasseFamily doctor93.25 CHF44.05 CHF from the 3rd child
AquilanaSMARTMED95.45 CHF45.15 CHF from the 3rd child
CONCORDIAHMO96.25 CHF45.65 CHF from the 3rd child
sodalisDigimed97.05 CHF50.15 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa99.65 CHF57.75 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed96.25 CHF70.95 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine106.10 CHF71.65 CHF from the 3rd child
Groupe Mutuel – PhilosPrimaFlex102.05 CHF75.25 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed105.75 CHF78.05 CHF from the 5th child
SLKKSLKK-SmartMed102.45 CHF91.25 CHF from the 3rd child
EGKEGK-TelCare108.35 CHF94.65 CHF from the 3rd child
AssuraPharMed101.65 CHF100.35 CHF from the 4th child, 99.05 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 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 96.30 CHF at CSS (Hausarztversicherung Profit) gives 91.15 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.

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.