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Health insurance premiums 2027 in Kandergrund (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.

In Kandergrund (canton Bern), in 2027, for a child aged 0 to 18 with a 100 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 102.00 CHF with Sumiswalder Krankenkasse (HMO plus model) and the most expensive is 151.80 CHF with Atupri (Standard model).

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Frequently asked questions

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

In 2027, without accident cover, the cheapest offer in Kandergrund is Sumiswalder Krankenkasse (HMO plus) at 102.00 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 106.55 CHF a month.

How much does health insurance cost in Kandergrund in 2027 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 102.00 CHF (Sumiswalder Krankenkasse, HMO plus) to 151.80 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: 113.90 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Sumiswalder Krankenkasse, HMO plus), the premium goes from 107.10 CHF a month with the 0 CHF deductible to 77.00 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Kandergrund 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 106.55 CHF (Sanitas), family doctor / HMO 102.00 CHF (Sumiswalder Krankenkasse), flexible model 102.90 CHF (Groupe Mutuel – Avenir), telemedicine 102.10 CHF (Sanitas).

Does a second or third child pay less in Kandergrund?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 26 insurers present in Kandergrund 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
VisanaHMO plus104.10 CHF41.30 CHF from the 3rd child
GalenosManaged Care114.20 CHF44.70 CHF from the 3rd child
sana24Managed Care118.40 CHF46.30 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus102.00 CHF51.00 CHF from the 3rd child
CONCORDIAHMO103.00 CHF51.70 CHF from the 3rd child
AquilanaSMARTMED104.60 CHF52.30 CHF from the 3rd child
sodalisDigimed108.10 CHF56.10 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa110.00 CHF60.50 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)102.90 CHF77.20 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine114.75 CHF79.15 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)111.90 CHF83.90 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)114.80 CHF86.10 CHF from the 5th child
SLKKSmartMed114.00 CHF102.20 CHF from the 3rd child
EGKEGK-TelCare111.60 CHF102.30 CHF from the 3rd child
AssuraMediTel111.00 CHF109.60 CHF from the 4th child, 108.40 CHF from the 5th child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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.

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.