# Health insurance premiums 2027 in Heimiswil (BE), for a child aged 0 to 18 without accident cover

In 2027, for a child aged 0 to 18 in Heimiswil, without accident cover, the cheapest health insurance premium is:

- **101.55 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-0/) (ÖKK, ÖKK CASAMED HMO)
- **69.05 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-600/) (ÖKK, ÖKK CASAMED HMO)

## Without accident cover: from 69.05 to 169.75 CHF a month depending on the deductible and the model

129 offers from 26 health insurers. With a deductible of 0 CHF, the cheapest is **101.55 CHF** a month with **ÖKK** (ÖKK CASAMED HMO), the most expensive 169.75 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 101.55 CHF (ÖKK, ÖKK CASAMED HMO) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-0/
- 100 CHF: 105.35 CHF (Sumiswalder Krankenkasse, HMO plus) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-100/
- 200 CHF: 90.85 CHF (ÖKK, ÖKK CASAMED HMO) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-200/
- 300 CHF: 89.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-300/
- 400 CHF: 79.95 CHF (ÖKK, ÖKK CASAMED HMO) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-400/
- 500 CHF: 79.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-500/
- 600 CHF: 69.05 CHF (ÖKK, ÖKK CASAMED HMO) — https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 101.55 | — | 90.85 | — | 79.95 | — | 69.05 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 103.95 | — | 94.25 | 89.45 | 84.75 | 79.85 | 75.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 104.05 | — | 93.25 | — | 82.35 | — | 71.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 104.05 | — | 93.25 | — | 82.35 | — | 71.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 105.75 | — | 94.95 | — | 84.15 | — | 73.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 107.75 | — | 99.25 | — | 90.45 | — | 81.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 107.75 | — | 99.25 | — | 90.45 | — | 81.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 110.25 | — | 100.05 | 95.05 | 89.85 | 84.75 | 79.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 110.45 | 105.35 | 100.45 | 95.35 | 90.35 | 85.45 | 80.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 110.65 | — | 101.85 | — | 92.95 | — | 83.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 110.75 | — | 100.65 | 95.45 | 90.45 | 85.35 | 80.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 111.25 | 105.75 | 100.25 | 94.75 | 89.25 | 83.75 | 78.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.25 | 78.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.25 | 78.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 111.25 | — | — | — | — | 84.25 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 111.25 | — | — | — | — | 84.25 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 112.05 | — | 103.15 | — | 94.05 | — | 84.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 112.55 | 107.15 | 101.75 | 96.25 | 90.85 | 85.45 | 80.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 112.65 | — | — | — | — | 85.65 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 112.65 | — | — | — | — | 85.65 | — |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 112.75 | 107.75 | 102.85 | 97.65 | 92.75 | 87.85 | 82.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 112.75 | 107.75 | 102.85 | 97.65 | 92.75 | 87.85 | 82.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 112.95 | 107.45 | 102.05 | 96.55 | 91.15 | 85.65 | 80.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 113.45 | 108.05 | 102.65 | 97.15 | 91.75 | — | 80.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 113.45 | 108.05 | 102.65 | 97.15 | 91.75 | 86.35 | 80.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 113.55 | 108.15 | 102.70 | 97.25 | 91.85 | 86.40 | 80.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 113.85 | 108.45 | 102.95 | 97.55 | 92.05 | 86.65 | 81.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 114.45 | 109.75 | 105.05 | 100.35 | 95.65 | 88.75 | — |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Medcasa | 114.65 | 109.35 | 103.85 | 98.35 | 92.95 | 87.55 | 82.05 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 114.65 | 109.15 | 103.65 | 98.15 | 92.65 | 87.15 | 81.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 114.75 | 109.35 | 103.95 | 98.45 | 93.05 | — | 82.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 114.80 | 109.40 | 103.95 | 98.50 | 93.10 | 87.65 | 82.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 114.80 | 109.40 | 103.95 | 98.50 | 93.10 | 87.65 | 82.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 114.80 | 109.40 | 103.95 | 98.50 | 93.10 | 87.65 | 82.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 114.80 | 109.40 | 103.95 | 98.50 | 93.10 | 87.65 | 82.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 114.80 | 109.40 | 103.95 | 98.50 | 93.10 | 87.65 | 82.20 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 115.15 | 109.75 | 104.35 | 98.85 | 93.45 | 88.05 | 82.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 115.35 | — | — | — | — | 88.25 | — |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 116.00 | 110.60 | 105.15 | 99.70 | 94.30 | 88.85 | 83.40 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 116.05 | — | 105.25 | — | 94.35 | — | 83.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 116.15 | 110.75 | 105.35 | 99.85 | 94.45 | 89.05 | 83.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 116.25 | — | 106.95 | — | 97.65 | — | 88.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 116.85 | 111.45 | 106.05 | 100.55 | 95.15 | 89.75 | 84.35 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Digimed | 117.35 | 111.85 | 106.45 | 100.85 | 95.45 | 89.95 | 89.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 117.55 | 112.15 | 106.75 | 101.25 | 95.85 | 90.45 | 84.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 117.55 | 112.15 | 106.65 | 101.25 | 95.75 | 90.35 | 84.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 117.65 | 112.25 | 106.85 | 101.35 | 95.95 | — | 85.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 117.85 | 112.45 | 107.15 | 101.65 | 96.25 | 90.85 | 85.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 118.15 | — | — | — | — | 91.05 | — |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 118.45 | 113.65 | 108.85 | 103.95 | 99.45 | 94.35 | 89.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.45 | 113.05 | 107.60 | 102.20 | 96.80 | 91.35 | 85.90 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 118.55 | 113.15 | 107.75 | 102.35 | 96.85 | 91.45 | — |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 118.55 | 113.15 | 107.75 | 102.25 | 96.95 | 91.55 | 86.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Regiomed | 118.75 | 113.35 | 107.95 | 102.45 | 96.95 | 91.55 | 86.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 118.75 | 113.25 | 107.85 | 102.35 | 96.95 | 91.55 | 85.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 118.75 | 113.25 | 107.75 | 102.15 | 96.65 | 91.25 | 85.65 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 118.75 | 113.25 | 107.85 | 102.25 | 96.85 | 91.35 | 91.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | 92.15 | 86.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | 92.15 | 86.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 119.55 | 114.15 | 108.75 | 103.25 | 97.85 | 92.45 | 87.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 119.75 | 114.35 | 108.85 | 103.45 | 97.95 | 92.55 | 87.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 119.85 | 114.45 | 109.05 | 103.55 | 98.15 | — | 87.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 120.25 | 114.85 | 109.45 | 103.95 | 98.55 | 93.15 | 87.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 120.25 | 114.85 | 109.45 | 103.95 | 98.55 | 93.15 | 87.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 120.35 | 114.95 | 109.45 | 104.05 | 98.55 | 93.15 | 87.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.85 | — | 109.75 | 104.25 | 98.75 | 93.15 | 87.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 121.25 | 116.35 | 111.45 | 106.45 | 101.75 | 96.65 | 91.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 122.35 | — | — | — | — | 95.25 | — |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 122.65 | 117.65 | 112.75 | 107.65 | 102.95 | 97.75 | 92.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.85 | 117.55 | 112.15 | 106.65 | 101.25 | 95.85 | 90.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 124.05 | 118.65 | 113.25 | 107.75 | 102.35 | 96.95 | — |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 124.05 | 118.65 | 113.25 | 107.75 | 102.35 | 96.95 | — |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 124.45 | 119.05 | 113.65 | 108.15 | 102.85 | 97.45 | 91.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 124.85 | 119.45 | 114.05 | 108.55 | 103.15 | 97.85 | 92.35 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 125.35 | 119.95 | 114.55 | 108.95 | 103.55 | 98.15 | 92.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 126.75 | — | 123.95 | — | 120.45 | — | 109.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 126.95 | 121.45 | 116.00 | 110.50 | 105.00 | 99.55 | 94.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 127.25 | 121.85 | 116.45 | 110.95 | 105.55 | 100.25 | 94.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 127.25 | 121.85 | 116.45 | 110.95 | 105.55 | 100.25 | 94.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.05 | 122.65 | 117.25 | 111.75 | 106.35 | — | 95.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 128.25 | 122.75 | 117.35 | 111.85 | 106.45 | 100.95 | 95.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 128.25 | 122.75 | 117.35 | 111.85 | 106.45 | 100.95 | 95.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 128.35 | 122.85 | 117.40 | 111.90 | 106.40 | 100.95 | 95.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.35 | 123.95 | 118.55 | 113.05 | 107.55 | 102.15 | 96.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 129.75 | 124.25 | 118.85 | 113.35 | 107.95 | 102.45 | 97.05 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 130.85 | 125.35 | 119.95 | 114.35 | 108.95 | 103.45 | 103.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 131.55 | 126.15 | 120.75 | 115.25 | 109.85 | 104.45 | 98.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 131.65 | 126.25 | 120.75 | 115.35 | 109.85 | 104.45 | 98.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 131.65 | 126.25 | 120.75 | 115.35 | 109.85 | 104.45 | 98.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 131.85 | — | 129.05 | — | 120.45 | — | 109.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.15 | 126.85 | 121.45 | 116.05 | 110.55 | 105.15 | — |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 132.20 | 126.75 | 121.30 | 115.75 | 110.30 | 103.45 | 98.00 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.45 | 126.95 | 121.45 | 115.85 | 110.45 | 104.95 | 99.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.45 | 127.05 | 121.55 | 116.15 | 110.65 | 105.25 | 99.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 133.45 | — | — | — | — | 106.35 | — |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 133.95 | 128.55 | 123.05 | 117.65 | 112.15 | 106.75 | 101.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.15 | 128.75 | 123.35 | 117.85 | 112.45 | 107.05 | 101.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 134.35 | 128.85 | 123.35 | — | 112.15 | — | 101.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.25 | 129.75 | 124.35 | 118.75 | 113.65 | 107.85 | 102.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.35 | 129.85 | 124.40 | 118.90 | 113.40 | 107.95 | 102.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.75 | 130.35 | 124.95 | 119.45 | 114.05 | 108.65 | 103.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 135.95 | — | 125.15 | — | 114.25 | — | 103.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 136.45 | 130.95 | 125.45 | — | 114.25 | — | 103.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 138.35 | 132.85 | 127.45 | 121.95 | 116.55 | 111.05 | 105.65 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 139.40 | 133.60 | 127.85 | 122.10 | 116.30 | 110.55 | 104.80 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 139.45 | 133.95 | 128.55 | 123.05 | 117.65 | 112.15 | 106.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 139.75 | 134.25 | 128.75 | — | 117.65 | — | 106.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 139.95 | — | 131.25 | — | 120.45 | — | 109.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.05 | 135.55 | 130.15 | 124.75 | 119.25 | 113.85 | — |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.05 | 136.55 | 131.15 | 125.65 | 120.15 | 114.75 | 109.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.15 | — | 131.25 | — | 120.45 | — | 109.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 142.15 | — | 131.25 | — | 120.45 | — | 109.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 142.15 | — | 131.25 | — | 120.45 | — | 109.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 142.15 | — | 131.25 | — | 120.45 | — | 109.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 142.25 | 136.75 | 131.15 | — | 120.05 | — | 108.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 142.25 | — | — | 125.95 | — | — | 109.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 145.45 | 140.05 | 134.55 | 129.15 | 123.65 | 118.25 | 112.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 145.45 | 140.05 | 134.55 | 129.15 | 123.65 | 118.25 | 112.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 145.45 | 140.05 | 134.55 | 129.15 | 123.65 | 118.25 | 112.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 146.25 | — | 135.35 | — | 124.45 | — | 113.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.05 | 141.55 | 136.15 | 130.65 | 125.15 | 119.75 | 114.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 148.85 | — | 137.95 | — | 127.15 | — | 116.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 148.85 | — | 137.95 | — | 127.15 | — | 116.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 149.45 | — | — | 133.15 | — | — | 116.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 149.65 | — | 138.85 | — | 128.05 | — | 117.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 149.65 | — | 138.85 | — | 128.05 | — | 117.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.95 | 149.45 | 143.95 | — | 132.85 | — | 121.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.95 | — | — | 138.75 | — | — | 122.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 169.75 | — | 158.85 | — | 148.05 | — | 137.25 |

129 offers from 26 health insurers.: https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident.md

\* insurer’s default model

Last modified: 29/09/2026

## Frequently asked questions

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

In 2027, without accident cover, the cheapest offer in [Heimiswil](https://praemiencheck.onedoc.ch/en/be/heimiswil/) is ÖKK (ÖKK CASAMED HMO) at 101.55 CHF a month.

### How much does health insurance cost in Heimiswil in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/heimiswil/child/) with a deductible of 0 CHF and without accident cover, monthly premiums run from 101.55 CHF (ÖKK, ÖKK CASAMED HMO) to 169.75 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: 119.15 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 101.55 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-0/) to 69.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/deductible-600/): 32.50 CHF less a month, 390.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 433 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Heimiswil 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 116.05 CHF (ÖKK), family doctor / HMO 101.55 CHF (ÖKK), flexible model 104.05 CHF (ÖKK), telemedicine 103.95 CHF (Agrisano).

### Does a second or third child pay less in Heimiswil?

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 Heimiswil 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 | HMO plus | 112.95 CHF | 44.55 CHF from the 3rd child |
| Agrisano | AGRIsmart | 103.95 CHF | 44.65 CHF from the 3rd child |
| Galenos | Managed Care | 128.25 CHF | 48.65 CHF from the 3rd child |
| sana24 | Managed Care | 133.95 CHF | 50.95 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 110.45 CHF | 52.85 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 126.75 CHF | 53.25 CHF from the 3rd child |
| Aquilana | SMARTMED | 114.45 CHF | 54.85 CHF from the 3rd child |
| CONCORDIA | HMO | 111.25 CHF | 56.35 CHF from the 3rd child |
| sodalis | Digimed | 117.35 CHF | 60.55 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 114.65 CHF | 60.95 CHF from the 3rd child |
| rhenusana | sanmed24 | 142.25 CHF | 68.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 111.25 CHF | 82.25 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 126.95 CHF | 86.10 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 117.85 CHF | 87.25 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 119.55 CHF | 88.45 CHF from the 5th child |
| SLKK | SmartMed | 118.45 CHF | 106.15 CHF from the 3rd child |
| Assura | MediTel | 113.45 CHF | 112.05 CHF from the 4th child, 110.75 CHF from the 5th child |
| EGK | EGK-Care | 124.05 CHF | 113.55 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 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 106.30 CHF at ÖKK (ÖKK CASAMED HMO) gives 101.55 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.

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/

## Related pages

- Without accident cover: from 69.05 to 169.75 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/be/heimiswil/child/no-accident/ — replace `be` with your canton’s two-letter code (ge, vd, zh…) and `heimiswil` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.