Skip to content

128 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 600 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Lauenen (canton Bern), in 2027, for a child aged 0 to 18 with a 600 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 68.60 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 124.60 CHF with Sympany (Standard model).

Last modified:

Frequently asked questions

Which health insurance is the cheapest in Lauenen for a child aged 0 to 18 with a deductible of 600 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Lauenen is ÖKK (ÖKK CASAMED HMO) at 68.60 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 79.35 CHF a month.

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

For a child aged 0 to 18 with a deductible of 600 CHF and without accident cover, monthly premiums run from 68.60 CHF (ÖKK, ÖKK CASAMED HMO) to 124.60 CHF (Sympany, 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 Lauenen for a child aged 0 to 18 without accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 101.10 CHF a month with the 0 CHF deductible to 68.60 CHF with the 600 CHF deductible: 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 Lauenen 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 600 CHF and without accident cover, the cheapest premium per model is: standard model 79.35 CHF (Sanitas), family doctor / HMO 68.60 CHF (ÖKK), flexible model 70.80 CHF (ÖKK), telemedicine 69.10 CHF (Agrisano).

Does a second or third child pay less in Lauenen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 16 of the 26 insurers present in Lauenen file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart69.10 CHF27.10 CHF from the 3rd child
VisanaHMO plus76.90 CHF28.60 CHF from the 3rd child
sana24Managed Care91.10 CHF29.60 CHF from the 3rd child
GalenosManaged Care86.90 CHF29.90 CHF from the 3rd child
SWICAStandard model102.70 CHF32.00 CHF from the 3rd child
sodalisDigimed86.20 CHF34.20 CHF from the 3rd child
CONCORDIAHMO75.40 CHF35.90 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus77.00 CHF38.50 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa82.60 CHF45.50 CHF from the 3rd child
rhenusanasanmed24108.60 CHF54.30 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)75.70 CHF56.80 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine87.30 CHF60.25 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)84.80 CHF63.60 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)87.70 CHF65.80 CHF from the 5th child
SLKKSmartMed89.90 CHF78.00 CHF from the 3rd child
AssuraMediTel83.80 CHF82.40 CHF from the 4th child, 81.20 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.