# Health insurance premiums 2026 in Köniz (BE), for a child aged 0 to 18, deductible of 400 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Köniz](https://praemiencheck.onedoc.ch/en/be/koniz/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/koniz/child/) with a 400 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/), the cheapest monthly basic insurance premium is **89.55 CHF** with **Sanitas** (TelMed (Compact One) model) and the most expensive is 151.65 CHF with EGK (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 111.25 | 105.85 | 100.45 | 94.95 | 89.55 | 84.15 | 78.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 112.40 | 107.00 | 101.60 | 96.10 | 90.70 | 85.30 | 79.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 112.40 | 107.00 | 101.60 | 96.10 | 90.70 | 85.30 | 79.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 112.40 | 107.00 | 101.60 | 96.10 | 90.70 | 85.30 | 79.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 112.40 | 107.00 | 101.60 | 96.10 | 90.70 | 85.30 | 79.80 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 112.45 | 107.05 | 101.65 | 96.15 | 90.75 | 85.35 | 79.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 113.65 | 108.25 | 102.85 | 97.45 | 92.05 | 86.65 | 81.15 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 114.65 | — | 103.85 | — | 93.05 | — | 82.15 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.15 | 110.75 | 105.35 | 99.85 | 94.45 | 89.05 | 83.55 | −6.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 115.85 | 110.45 | 105.45 | 99.95 | 95.55 | 90.05 | 84.65 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 117.35 | — | 106.55 | — | 95.75 | — | 84.85 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 117.35 | — | 106.55 | — | 95.75 | — | 84.85 | +2.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 118.25 | 112.95 | 107.55 | 102.05 | 96.65 | — | 85.75 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | — | 86.65 | +3.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 119.45 | — | 108.65 | — | 97.75 | — | 86.85 | +2.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 120.45 | 115.05 | 109.55 | 104.15 | 98.65 | 93.25 | 87.75 | +8.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 120.65 | 115.25 | 109.85 | 104.35 | 98.95 | — | 88.05 | +6.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 120.45 | 115.35 | 110.45 | 105.15 | 99.95 | 94.45 | 89.75 | +5.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 120.45 | 115.35 | 110.45 | 105.15 | 99.95 | 94.45 | 89.75 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 122.15 | 116.75 | 111.25 | 105.65 | 100.15 | 94.65 | 89.15 | +11.3 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 122.05 | 116.55 | 111.15 | 105.65 | 100.25 | 94.85 | 89.25 | +10.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 121.95 | 116.65 | 111.25 | 105.75 | 100.35 | 94.95 | 89.45 | +5.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 121.95 | 116.65 | 111.25 | 105.75 | 100.35 | 94.95 | 89.45 | +5.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 118.15 | — | 109.55 | — | 100.85 | — | 92.15 | +0.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 122.85 | 117.45 | 112.05 | 106.55 | 101.15 | 95.75 | 90.25 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 123.45 | 118.05 | 112.65 | 107.15 | 101.75 | 96.35 | 90.85 | +5.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 123.55 | 118.15 | 112.75 | 107.25 | 101.85 | 96.45 | 90.95 | +3.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 123.55 | 118.15 | 112.75 | 107.25 | 101.85 | 96.45 | 90.95 | +3.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 119.75 | — | 110.95 | — | 102.15 | — | 93.35 | +6.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 122.65 | — | 112.55 | 107.55 | 102.55 | 97.55 | 92.55 | +5.9 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 124.85 | 119.45 | 113.95 | 108.45 | 102.95 | 97.55 | 97.55 | +7.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 124.85 | 119.35 | 113.95 | 108.45 | 103.05 | 97.55 | 92.15 | +8.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 125.25 | 119.75 | 114.25 | 108.65 | 103.15 | 97.75 | 92.15 | +11.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 125.95 | 120.55 | 115.15 | 109.65 | 104.25 | — | 93.45 | +6.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 124.75 | — | 114.45 | 109.45 | 104.35 | 99.15 | 94.15 | +6.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 126.35 | 120.95 | 115.55 | 109.95 | 104.55 | 99.15 | 93.65 | +7.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 126.25 | 120.85 | 115.45 | 109.95 | 104.55 | 99.15 | 93.75 | +5.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 122.85 | — | 113.85 | — | 104.85 | — | 95.75 | +2.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 126.55 | 121.15 | 115.75 | 110.35 | 104.95 | 99.55 | 94.05 | +3.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 126.95 | 121.55 | 116.15 | 110.75 | 105.35 | 99.95 | 94.45 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 127.35 | 121.95 | 116.55 | 111.05 | 105.65 | 100.25 | 94.75 | +3.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 127.75 | 122.35 | 116.95 | 111.45 | 106.05 | 100.65 | 95.15 | +4.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 124.35 | — | 115.25 | — | 106.15 | — | 97.05 | +1.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 127.85 | 122.45 | 117.05 | 111.55 | 106.15 | 100.75 | 95.35 | +3.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 126.05 | 121.35 | 116.85 | 111.25 | 106.45 | 100.55 | — | +6.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 128.05 | 122.65 | 117.25 | 111.85 | 106.45 | 101.05 | 95.55 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 128.35 | 122.95 | 117.45 | 112.05 | 106.55 | 101.15 | 95.65 | +8.2 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 128.65 | 123.25 | 117.75 | 112.25 | 106.75 | 101.35 | 101.35 | +7.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 128.45 | 123.05 | 117.65 | 112.15 | 106.75 | 101.35 | 95.85 | +4.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 128.45 | 123.05 | 117.65 | 112.15 | 106.75 | 101.35 | 95.85 | +4.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 130.55 | 125.05 | 119.55 | 113.95 | 108.45 | 103.05 | 97.45 | +11.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 127.45 | — | 118.15 | — | 108.75 | — | 99.45 | +2.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 130.55 | 125.05 | 119.65 | 114.15 | 108.75 | 103.25 | 97.85 | +8.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 130.45 | 125.05 | 119.75 | 114.35 | 108.85 | 103.45 | — | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 130.95 | — | 120.15 | — | 109.25 | — | 98.45 | +2.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 131.35 | 125.95 | 120.55 | 115.05 | 109.65 | 104.25 | 98.75 | +5.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 133.55 | 128.15 | 122.75 | 117.15 | 111.75 | 106.35 | 100.85 | +11.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 134.55 | 129.15 | 123.85 | 118.35 | 112.95 | — | 102.05 | +3.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 131.95 | 127.15 | 122.35 | 117.45 | 112.95 | 107.85 | 103.05 | +16.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 135.65 | 130.15 | 124.65 | — | 113.55 | — | 102.35 | −1.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 136.05 | — | 124.95 | 119.35 | 113.85 | 108.25 | 102.75 | +6.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 135.85 | 130.45 | 124.95 | 119.55 | 114.05 | 108.65 | 103.15 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 136.95 | 131.55 | 126.15 | 120.65 | 115.25 | 109.85 | 104.35 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 135.05 | 130.15 | 125.25 | 120.25 | 115.65 | 110.45 | 105.45 | +16.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 137.75 | 132.35 | 126.95 | 121.45 | 115.95 | 110.55 | 105.05 | +10.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 138.25 | 132.65 | 127.15 | — | 116.05 | — | 104.95 | +4.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 135.05 | — | 127.25 | — | 116.45 | — | 105.55 | +1.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 136.65 | 131.65 | 126.75 | 121.65 | 116.95 | 111.75 | 106.65 | +16.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 139.45 | 134.05 | 128.65 | 123.15 | 117.75 | 112.35 | 106.85 | +3.6 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 140.65 | 135.25 | 129.75 | 124.25 | 118.75 | 113.35 | 113.35 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 141.55 | 136.05 | 130.55 | — | 119.35 | — | 108.25 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 141.15 | 135.75 | 130.45 | 124.95 | 119.55 | 114.15 | 108.65 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 141.15 | 135.75 | 130.45 | 124.95 | 119.55 | 114.15 | 108.65 | +3.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 141.35 | 135.95 | 130.45 | 125.05 | 119.55 | 114.15 | 108.65 | +8.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 141.65 | 136.25 | 130.85 | 125.35 | 119.95 | 114.55 | 109.15 | +4.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 138.95 | — | 131.15 | — | 120.35 | — | 109.45 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 142.75 | 137.25 | 131.85 | 126.35 | 120.95 | 115.45 | 110.05 | +1.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 142.85 | 137.35 | 131.95 | 126.45 | 121.05 | 115.55 | 110.15 | +8.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 143.85 | 138.45 | 132.95 | 127.55 | 122.05 | 116.65 | 111.15 | +2.9 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 144.05 | 138.60 | 133.10 | 127.60 | 122.15 | 116.65 | 111.15 | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 144.35 | 138.85 | 133.45 | 127.95 | 122.55 | 117.05 | 111.65 | +8.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 144.75 | — | 133.85 | — | 122.95 | — | 112.15 | +14.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 142.05 | — | 134.25 | — | 123.35 | — | 112.55 | +8.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 145.55 | 140.05 | 134.55 | 128.95 | 123.55 | 118.05 | 112.45 | +9.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 145.65 | 140.15 | 134.70 | 129.20 | 123.70 | 118.25 | 112.75 | +4.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 145.55 | 140.15 | 134.75 | 129.35 | 123.85 | 118.45 | — | +6.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 146.25 | 140.75 | 135.25 | — | 124.15 | — | 113.05 | +4.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 147.35 | — | 136.45 | — | 125.55 | — | 114.75 | +12.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 147.35 | — | 136.45 | — | 125.55 | — | 114.75 | +12.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 148.75 | 144.15 | 138.00 | 131.80 | 125.65 | 121.10 | 114.95 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 148.15 | — | 137.25 | — | 126.45 | — | 115.65 | +11.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 148.15 | — | 137.25 | — | 126.45 | — | 115.65 | +11.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 146.65 | — | 137.35 | — | 126.45 | — | 115.65 | +4.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 148.35 | 142.95 | 137.45 | 132.05 | 126.55 | 121.15 | 115.65 | +6.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 148.85 | 143.45 | 138.05 | 132.55 | 127.15 | 121.75 | 116.25 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 148.95 | 143.45 | 138.05 | 132.55 | 127.15 | 121.65 | 116.25 | +1.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 148.95 | 143.45 | 138.05 | 132.55 | 127.15 | 121.65 | 116.25 | +1.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 148.95 | 143.45 | 138.05 | 132.55 | 127.15 | 121.65 | 116.25 | +1.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 148.95 | — | 138.15 | — | 127.25 | — | 116.45 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 149.35 | 143.95 | 138.45 | 133.05 | 127.55 | 122.15 | 116.65 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 149.75 | — | 138.85 | — | 128.05 | — | 117.15 | +2.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 149.75 | — | 138.85 | — | 128.05 | — | 117.15 | +2.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 149.75 | — | 138.85 | — | 128.05 | — | 117.15 | +2.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 150.45 | 145.05 | 139.55 | 134.15 | 128.65 | 123.25 | 117.75 | +1.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 150.65 | 145.15 | 139.75 | 134.15 | 129.05 | 123.25 | 117.75 | +16.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 152.85 | 147.35 | 141.85 | — | 130.75 | — | 119.55 | +4.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 153.60 | 148.10 | 142.65 | 137.15 | 131.65 | 126.20 | 120.70 | +4.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 136.35 | 135.55 | 134.55 | 133.65 | 132.75 | 131.75 | — | +5.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 136.35 | 135.55 | 134.55 | 133.65 | 132.75 | 131.75 | — | +5.0 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 156.85 | 151.35 | 145.55 | 140.65 | 134.20 | 129.35 | 122.85 | +6.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 160.05 | 154.55 | 149.15 | 143.65 | 138.25 | 132.75 | 127.35 | New tariff 2026 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 161.15 | 155.55 | 150.05 | — | 138.95 | — | 127.85 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 161.65 | 156.25 | 150.75 | 145.35 | 139.85 | 134.45 | 128.95 | −1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 168.05 | — | 157.15 | — | 146.35 | — | 135.55 | +12.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 155.25 | 154.35 | 153.35 | 152.45 | 151.65 | 150.65 | — | +3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 112.25 | — | — | — | — | 85.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 112.25 | — | — | — | — | 85.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 112.25 | — | — | — | — | 85.25 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 113.55 | — | — | — | — | 86.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 113.55 | — | — | — | — | 86.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 113.55 | — | — | — | — | 86.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 117.65 | — | — | — | — | 90.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 118.95 | — | — | — | — | 91.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.85 | — | — | — | — | 102.75 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 157.35 | — | — | 141.05 | — | — | 124.85 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 165.25 | — | — | 149.05 | — | — | 132.75 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 171.45 | — | — | 155.15 | — | — | 138.85 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Köniz for a child aged 0 to 18 with a deductible of 400 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/), the cheapest offer in [Köniz](https://praemiencheck.onedoc.ch/en/be/koniz/) is Sanitas (TelMed (Compact One)) at 89.55 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/koniz/child/) with a deductible of 400 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/), monthly premiums run from 89.55 CHF (Sanitas, TelMed (Compact One)) to 151.65 CHF (EGK, Standard model): 127 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: 127.55 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Sanitas, TelMed (Compact One)), the premium goes from 111.25 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-0/) to 78.65 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-600/): 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 Köniz 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 400 CHF and without accident cover, the cheapest premium per model is: standard model 94.45 CHF (Sanitas), family doctor / HMO 90.70 CHF (Sanitas), flexible model 92.05 CHF (Sanitas), telemedicine 89.55 CHF (Sanitas).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 17 of the 26 insurers present in Köniz file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | VIVA – Gesundheitsplan | 95.55 CHF | 28.55 CHF from the 3rd child |
| Agrisano | AGRIcontact | 102.55 CHF | 32.95 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 116.45 CHF | 32.95 CHF from the 3rd child |
| sana24 | Managed Care | 114.05 CHF | 35.75 CHF from the 3rd child |
| Galenos | Managed Care | 122.05 CHF | 38.05 CHF from the 3rd child |
| CONCORDIA | HMO | 100.15 CHF | 39.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 99.95 CHF | 47.45 CHF from the 3rd child |
| Aquilana | SMARTMED | 106.45 CHF | 50.65 CHF from the 3rd child |
| sodalis | Digimed | 102.95 CHF | 51.65 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 100.25 CHF | 58.15 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 100.35 CHF | 73.95 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 101.15 CHF | 74.55 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 105.35 CHF | 77.75 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 122.15 CHF | 81.40 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 112.95 CHF | 99.25 CHF from the 3rd child |
| Assura | Qualimed | 104.95 CHF | 103.25 CHF from the 4th child, 101.65 CHF from the 5th child |
| EGK | EGK-Care | 132.75 CHF | 115.75 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 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 94.70 CHF at Sanitas (TelMed (Compact One)) gives 89.55 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Köniz is in region 1 of canton Bern.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Köniz (BE): every situation: https://praemiencheck.onedoc.ch/en/be/koniz/
- Premiums 2026 in Köniz (BE), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/koniz/child/
- Premiums 2026 in Köniz (BE), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/be/koniz/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/be/koniz/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/with-accident/deductible-400/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 0 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-0/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-100/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-200/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Köniz (BE), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/be/koniz/child/no-accident/deductible-0/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `koniz` with your municipality, `child` with `young-adult` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.