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Change the search: LütschentalAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2027 in Lütschental (BE) For a child aged 0 to 18, deductible of 0 CHF, with accident cover

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128 offersfrom 26 health insurers

Child (0 to 18) · with accident cover · deductible of 0 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Lütschental (canton Bern), in 2027, for a child aged 0 to 18 with a 0 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 103.00 CHF with Agrisano (AGRIsmart model) and the most expensive is 168.90 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Lütschental for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Lütschental is Agrisano (AGRIsmart) at 103.00 CHF a month.

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

For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 103.00 CHF (Agrisano, AGRIsmart) to 168.90 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 Lütschental for a child aged 0 to 18 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 103.00 CHF a month with the 0 CHF deductible to 72.70 CHF with the 600 CHF deductible: 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Lütschental 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 0 CHF and with accident cover, the cheapest premium per model is: standard model 119.10 CHF (Agrisano), family doctor / HMO 108.70 CHF (ÖKK), flexible model 111.10 CHF (ÖKK), telemedicine 103.00 CHF (Agrisano).

Does a second or third child pay less in Lütschental?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 18 of the 26 insurers present in Lütschental file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart103.00 CHF46.80 CHF from the 3rd child
VisanaHMO plus117.20 CHF49.10 CHF from the 3rd child
GalenosManaged Care128.00 CHF51.40 CHF from the 3rd child
sana24Managed Care132.50 CHF53.20 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus115.10 CHF57.60 CHF from the 3rd child
AquilanaSMARTMED117.50 CHF58.80 CHF from the 3rd child
SWICAFavorit Multichoice136.70 CHF60.20 CHF from the 3rd child
CONCORDIAHMO114.70 CHF60.50 CHF from the 3rd child
sodalisDigimed120.70 CHF65.40 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa123.30 CHF67.90 CHF from the 3rd child
rhenusanasanmed24151.70 CHF75.90 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)116.40 CHF87.30 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine127.90 CHF88.25 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)126.10 CHF94.60 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)129.30 CHF97.00 CHF from the 5th child
SLKKSmartMed126.40 CHF113.80 CHF from the 3rd child
EGKEGK-TelCare125.80 CHF115.70 CHF from the 3rd child
AssuraMediTel125.10 CHF123.60 CHF from the 4th child, 122.30 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.