Health insurance premiums 2026 in Hellsau (BE)For a young adult aged 19 to 25 with accident cover

In 2026, with accident cover, the cheapest offer in Hellsau is Visana (VIVA – Gesundheitsplan) at 352.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 397.95 CHF a month.

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 352.15 CHF (Visana, VIVA – Gesundheitsplan) to 510.85 CHF (vita surselva, 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: 310.65 CHF (an FOPH statistic, distinct from the offers above).

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 352.15 CHF a month with the 300 CHF deductible to 225.45 CHF with the 2'500 CHF deductible: 126.70 CHF less a month, 1'520.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'989 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 397.95 CHF (Sanitas), family doctor / HMO 352.15 CHF (Visana), flexible model 368.15 CHF (ÖKK), telemedicine 357.65 CHF (Agrisano).

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 357.30 CHF at Visana (VIVA – Gesundheitsplan) gives 352.15 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.