Skip to content
Change the search: MelchnauAdultYoung 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 Melchnau (BE) For a child aged 0 to 18, deductible of 400 CHF, without accident cover

Copy pageCopied!
Copy pageCopy this page’s data and sources as Markdown for an LLMView as MarkdownThe page as plain textGuide for LLMs (llms.txt)Access our pages, data and sources in LLM-readable formatsOpen in ClaudeAsk your questions about this pageOpen in ChatGPTAsk your questions about this page

129 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 400 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Melchnau (canton Bern), in 2027, for a child aged 0 to 18 with a 400 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 78.80 CHF with Agrisano (AGRIsmart model) and the most expensive is 135.50 CHF with Sympany (Standard model).

Last modified:

Frequently asked questions

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

In 2027, without accident cover, the cheapest offer in Melchnau is Agrisano (AGRIsmart) at 78.80 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 90.25 CHF a month.

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

For a child aged 0 to 18 with a deductible of 400 CHF and without accident cover, monthly premiums run from 78.80 CHF (Agrisano, AGRIsmart) to 135.50 CHF (Sympany, Standard model): 129 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 Melchnau for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 97.90 CHF a month with the 0 CHF deductible to 69.10 CHF with the 600 CHF deductible: 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Melchnau 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 90.25 CHF (Sanitas), family doctor / HMO 79.50 CHF (ÖKK), flexible model 81.70 CHF (ÖKK), telemedicine 78.80 CHF (Agrisano).

Does a second or third child pay less in Melchnau?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 17 of the 26 insurers present in Melchnau file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart78.80 CHF27.30 CHF from the 3rd child
VisanaHMO plus87.80 CHF28.60 CHF from the 3rd child
GalenosManaged Care97.80 CHF34.70 CHF from the 3rd child
CONCORDIAHMO86.40 CHF35.90 CHF from the 3rd child
sana24Managed Care102.00 CHF36.00 CHF from the 3rd child
SWICAStandard model113.60 CHF37.90 CHF from the 3rd child
sodalisDigimed91.60 CHF39.60 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus87.00 CHF43.50 CHF from the 3rd child
AquilanaSMARTMED90.40 CHF45.20 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa93.60 CHF51.50 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)86.60 CHF65.00 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine98.30 CHF67.80 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)95.60 CHF71.70 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)98.50 CHF73.90 CHF from the 5th child
EGKEGK-TelCare95.40 CHF86.00 CHF from the 3rd child
SLKKSmartMed99.80 CHF87.90 CHF from the 3rd child
AssuraMediTel94.70 CHF93.30 CHF from the 4th child, 92.10 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.