Health insurance premiums 2027 in Kappelen (BE)For a young adult aged 19 to 25 without accident cover
From 238.55 to 508.15 CHF a month depending on the deductible and the model
128 offers from 26 health insurers.
In 2027, for a young adult aged 19 to 25 in Kappelen, without accident cover, the cheapest health insurance premium is:
- 355.85 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 238.55 CHF a month with a 2'500 CHF deductible (CSS, Hausarztversicherung Profit)
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Frequently asked questions
Which health insurance is the cheapest in Kappelen for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?
In 2027, without accident cover, the cheapest offer in Kappelen is Agrisano (AGRIsmart) at 355.85 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 381.65 CHF a month.
How much does health insurance cost in Kappelen in 2027 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, monthly premiums run from 355.85 CHF (Agrisano, AGRIsmart) to 508.15 CHF (vita surselva, 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: 327.85 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Kappelen for a young adult aged 19 to 25 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 355.85 CHF a month with the 300 CHF deductible to 250.45 CHF with the 2'500 CHF deductible: 105.40 CHF less a month, 1'264.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'705 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Kappelen for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 381.65 CHF (Sanitas), family doctor / HMO 357.45 CHF (ÖKK), flexible model 365.75 CHF (ÖKK), telemedicine 355.85 CHF (Agrisano).
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 360.60 CHF at Agrisano (AGRIsmart) gives 355.85 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.
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.