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Health insurance premiums 2027 in Merzligen (BE) For a child aged 0 to 18, deductible of 600 CHF, with accident cover

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128 offersfrom 26 health insurers

Child (0 to 18) · with accident cover · deductible of 600 CHF

Results sorted by ascending monthly premium for the selected criteria.

The amount shown is the FOPH-approved premium less the redistribution of the environmental levies, 4.75 CHF per person per month (set by the Confederation for the year, source FOEN). It is not necessarily your invoice: your canton’s individual premium reduction or a discount for annual payment, for example, are not taken into account.

In Merzligen (canton Bern), in 2027, for a child aged 0 to 18 with a 600 CHF deductible and with accident cover, the cheapest monthly basic insurance premium is 74.55 CHF with ÖKK (ÖKK CASAMED HMO model) and the most expensive is 147.85 CHF with Sympany (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Merzligen for a child aged 0 to 18 with a deductible of 600 CHF, with accident cover?

In 2027, with accident cover, the cheapest offer in Merzligen is ÖKK (ÖKK CASAMED HMO) at 74.55 CHF a month.

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

For a child aged 0 to 18 with a deductible of 600 CHF and with accident cover, monthly premiums run from 74.55 CHF (ÖKK, ÖKK CASAMED HMO) to 147.85 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: 119.15 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Merzligen for a child aged 0 to 18 with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 109.55 CHF a month with the 0 CHF deductible to 74.55 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Merzligen 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 with accident cover, the cheapest premium per model is: standard model 90.05 CHF (ÖKK), family doctor / HMO 74.55 CHF (ÖKK), flexible model 77.15 CHF (ÖKK), telemedicine 79.05 CHF (ÖKK).

Does a second or third child pay less in Merzligen?

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 Merzligen file a reduced premium from a certain number of children insured with them, at a 600 CHF deductible and with accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart79.35 CHF26.95 CHF from the 3rd child
VisanaTel Doc87.15 CHF28.25 CHF from the 3rd child
GalenosManaged Care102.55 CHF29.15 CHF from the 3rd child
sana24Managed Care108.65 CHF30.35 CHF from the 3rd child
SWICAStandard model118.15 CHF32.65 CHF from the 3rd child
sodalisDigimed95.95 CHF35.55 CHF from the 3rd child
CONCORDIAHMO82.95 CHF35.75 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus86.75 CHF41.05 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa88.05 CHF46.35 CHF from the 3rd child
rhenusanasanmed24118.25 CHF56.75 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)84.95 CHF62.55 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine100.35 CHF67.75 CHF from the 3rd child
Groupe Mutuel – MutuelOptiMed (Healthcare network)92.15 CHF67.95 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)93.95 CHF69.25 CHF from the 5th child
SLKKSmartMed95.45 CHF82.35 CHF from the 3rd child
AssuraMediTel87.25 CHF85.75 CHF from the 4th child, 84.35 CHF from the 5th 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 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 79.30 CHF at ÖKK (ÖKK CASAMED HMO) gives 74.55 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.