# Health insurance premiums 2027 in Niedermuhlern (BE), for an adult aged 26 or over who wants a deductible of 1'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · with accident cover · monthly premiums in CHF_

In [Niedermuhlern](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2027, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/) with a 1'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/), the cheapest monthly basic insurance premium is **444.45 CHF** with **ÖKK** (ÖKK CASAMED HMO model) and the most expensive is 621.35 CHF with Groupe Mutuel – Philos (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2026 (1'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 514.45 | 502.85 | 473.65 | 444.45 | 415.35 | 394.45 | +3.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 523.85 | 512.25 | 483.05 | 453.85 | 424.75 | 395.55 | New tariff 2027 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 515.25 | 505.05 | 479.95 | 454.65 | 429.35 | 404.25 | +5.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 525.25 | 513.65 | 484.45 | 455.25 | — | 396.95 | −1.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 525.25 | 513.65 | 484.45 | 455.25 | — | 396.95 | +2.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 526.25 | 514.65 | 485.45 | 456.25 | 427.15 | 397.95 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 526.25 | 514.65 | 485.45 | 456.25 | 427.15 | 397.95 | +3.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 528.35 | 516.75 | 487.55 | 458.35 | 429.25 | 400.05 | +4.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 532.75 | 521.15 | 491.95 | 462.75 | 433.65 | 404.45 | +1.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 534.95 | 528.35 | 494.15 | 464.95 | 435.85 | 406.65 | +7.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 535.15 | 523.55 | 494.35 | 465.15 | 436.05 | 406.85 | +3.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 535.25 | 523.65 | 494.45 | 465.25 | — | 406.95 | +4.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 536.25 | 524.65 | 495.45 | 466.25 | 437.15 | 407.95 | +7.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Medcasa | 536.85 | 525.25 | 496.05 | 466.85 | 437.75 | 411.75 | +2.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 537.55 | 525.95 | 496.75 | 467.55 | 438.45 | 409.25 | +5.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 537.85 | 526.25 | 497.05 | 467.85 | 438.75 | 409.55 | +7.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 537.85 | 526.25 | 497.05 | 467.85 | 438.75 | 409.55 | +5.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 532.95 | 522.05 | 495.35 | 468.55 | 441.65 | 414.85 | New tariff 2027 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 539.35 | 527.75 | 498.55 | 469.35 | 440.25 | 411.05 | +7.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 540.25 | 528.65 | 499.45 | 470.25 | — | 411.95 | +1.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 541.05 | 534.45 | 500.25 | 471.05 | 441.95 | 412.75 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 535.25 | 523.55 | 500.75 | 471.55 | 436.05 | 406.85 | +6.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 535.25 | 523.55 | 500.75 | 471.55 | 436.05 | 406.85 | +6.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 542.45 | 530.85 | 501.65 | 472.45 | 443.35 | 414.15 | +7.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 543.05 | 531.55 | 502.55 | 473.05 | 444.05 | 415.05 | +0.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 543.65 | 532.05 | 502.85 | 473.65 | 444.55 | 415.35 | +7.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 543.75 | 532.95 | 506.15 | 473.85 | 447.75 | 418.75 | +5.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 543.75 | 532.95 | 506.15 | 473.85 | 447.75 | 418.75 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 544.35 | 532.75 | 503.55 | 474.35 | 445.25 | 416.05 | +7.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 544.35 | 532.75 | 503.55 | 474.35 | 445.25 | 416.05 | +9.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 545.65 | 534.05 | 504.85 | 475.65 | 446.55 | 417.35 | +5.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 545.65 | 538.95 | 504.85 | 475.65 | 446.45 | 417.35 | +5.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 545.95 | 539.25 | 505.15 | 475.95 | 446.75 | 417.65 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 541.55 | 529.85 | 507.05 | 477.85 | 442.35 | 413.25 | +5.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 548.65 | 537.05 | 507.85 | 478.65 | 449.55 | 420.35 | +2.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 541.25 | 531.05 | 505.35 | 479.65 | 454.05 | 428.35 | +6.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 550.40 | 538.75 | 509.60 | 480.40 | 451.25 | 422.10 | +0.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 550.65 | 538.95 | 509.85 | 480.65 | 451.45 | 422.35 | +0.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 545.25 | 534.55 | 507.95 | 481.25 | 454.45 | 427.85 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 552.05 | 545.35 | 511.25 | 482.05 | 452.85 | 423.75 | +6.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 552.75 | 541.05 | 511.95 | 482.75 | 453.55 | 424.45 | +3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 553.35 | 541.75 | 512.55 | 483.35 | 454.25 | 425.05 | +7.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 548.25 | 537.45 | 510.75 | 483.85 | 456.95 | 430.25 | +4.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Digimed | 554.85 | 543.25 | 514.05 | 484.85 | 455.75 | 426.55 | +5.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 555.35 | 543.75 | 514.55 | 485.35 | — | 427.05 | +2.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 556.85 | 545.20 | 516.05 | 486.85 | 457.70 | 428.55 | +3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 557.25 | 545.65 | 516.45 | 487.25 | 458.15 | 428.95 | +7.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 558.60 | 546.95 | 517.75 | 488.60 | 459.45 | 430.25 | +4.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 558.75 | 547.15 | 517.95 | 488.75 | 459.65 | 430.45 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 553.75 | 543.25 | 516.95 | 490.75 | 464.55 | 438.25 | +6.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 552.05 | 541.95 | 516.55 | 491.15 | 465.75 | 430.15 | +5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 555.75 | 544.05 | 521.25 | 492.05 | 469.25 | 440.05 | +5.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 562.35 | 550.75 | 521.55 | 492.35 | 463.25 | 437.35 | +5.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Regiomed | 562.35 | 550.85 | 521.65 | 492.45 | 463.35 | 437.35 | +5.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 562.65 | 551.15 | 522.15 | 492.65 | 463.65 | 434.65 | +2.3 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 564.45 | 552.75 | 523.55 | 494.45 | 465.25 | 436.05 | +4.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 564.60 | 552.90 | 523.75 | 494.60 | 465.40 | 436.25 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 565.85 | 554.35 | 525.35 | 495.85 | 466.85 | 437.85 | +3.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 559.95 | 549.35 | 522.75 | 496.25 | 469.75 | 443.15 | +6.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 567.25 | 555.65 | 526.45 | 497.25 | 468.15 | 438.95 | +5.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 567.65 | 556.05 | 526.85 | 497.65 | 468.55 | 439.35 | +1.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 568.05 | 556.45 | 527.25 | 498.05 | 468.95 | 439.75 | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 568.15 | 556.55 | 527.35 | 498.15 | 469.05 | 439.85 | +0.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 568.85 | 557.15 | 527.95 | 498.85 | 469.65 | 440.45 | +0.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 570.15 | 558.55 | 529.35 | 500.15 | 471.05 | 441.85 | +6.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 571.25 | 559.65 | 530.45 | 501.35 | 472.15 | 442.95 | +4.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 571.35 | 559.75 | 530.55 | 501.35 | 472.25 | 443.05 | +3.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 572.85 | 561.25 | 532.05 | 502.85 | 473.75 | 444.55 | +7.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 569.35 | 558.35 | 530.85 | 502.85 | 475.25 | 447.75 | +3.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 575.35 | 563.85 | 534.85 | 505.35 | 476.35 | 447.35 | +1.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 578.85 | 567.35 | 538.35 | 508.85 | 479.85 | 450.85 | +6.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 578.85 | 567.35 | 538.35 | 508.85 | 479.85 | 450.85 | +5.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 575.65 | 564.65 | 537.15 | 509.15 | 481.55 | 454.05 | +6.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 579.35 | 567.75 | 538.55 | 509.35 | 480.25 | 451.05 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 582.65 | 571.00 | 541.85 | 512.65 | 483.50 | 454.35 | +3.4 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 585.25 | 573.65 | 544.45 | 515.25 | 486.15 | 456.95 | +3.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 585.25 | 573.55 | 544.35 | 515.25 | 486.05 | 456.85 | +14.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 573.15 | 567.75 | 544.95 | 515.75 | 486.55 | 457.45 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 586.05 | 574.45 | 545.25 | 516.05 | 486.95 | 457.75 | +7.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 586.05 | 574.45 | 545.25 | 516.05 | 486.95 | 457.75 | +7.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 586.95 | 575.45 | 546.45 | 516.95 | 487.95 | 458.95 | +7.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 589.10 | 577.45 | 548.30 | 519.10 | 489.95 | 460.80 | +3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 589.55 | 577.95 | 548.75 | 519.55 | 490.45 | 461.25 | +9.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 589.65 | 578.05 | 548.85 | 519.65 | 490.55 | 461.35 | +3.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 590.45 | 578.95 | 549.95 | 520.45 | 491.45 | 462.45 | +7.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 591.35 | 579.75 | 550.55 | 521.35 | 492.25 | 463.05 | +6.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 594.55 | 582.90 | 553.70 | 524.55 | 495.40 | 466.20 | +4.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 595.45 | 583.75 | 554.65 | 525.45 | 496.25 | 467.15 | +14.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 595.45 | 583.75 | 554.65 | 525.45 | 496.25 | 467.15 | +14.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 595.55 | 583.90 | 554.75 | 525.55 | 496.40 | 467.25 | +3.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 595.55 | 583.90 | 554.75 | 525.55 | 496.40 | 467.25 | +3.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 595.55 | 583.90 | 554.75 | 525.55 | 496.40 | 467.25 | +3.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 596.35 | 584.65 | 555.55 | 526.35 | 497.15 | 468.05 | +4.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 585.75 | 580.45 | 557.55 | 528.35 | 499.25 | 470.05 | +8.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 598.85 | 587.25 | 558.05 | 528.85 | 499.75 | 470.55 | +14.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 598.85 | 587.25 | 558.05 | 528.85 | 499.75 | 470.55 | +14.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 597.35 | 586.35 | 558.85 | 530.85 | 503.25 | 475.75 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 602.05 | 595.45 | 561.25 | 532.05 | 502.95 | 473.75 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 604.55 | 592.95 | 563.75 | 534.55 | 505.45 | 476.25 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 605.75 | 599.05 | 564.95 | 535.75 | 506.55 | 477.45 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 611.05 | 599.35 | 570.25 | 541.05 | 511.85 | 482.75 | +3.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 614.75 | 603.25 | 574.25 | 544.75 | 515.75 | 486.75 | +7.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 615.75 | 604.15 | 574.95 | 545.75 | 516.65 | 487.45 | +6.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 616.95 | 605.35 | 576.15 | 546.95 | 517.85 | 488.65 | +6.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 617.05 | 605.45 | 576.25 | 547.05 | 517.95 | 488.75 | +6.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 617.85 | 606.25 | 577.05 | 547.85 | 518.75 | 489.55 | +5.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 619.65 | 608.05 | 578.85 | 549.65 | 520.55 | 494.65 | +5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 621.75 | 610.05 | 580.95 | 551.75 | 522.55 | 493.45 | +1.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 622.05 | 610.35 | 581.25 | 552.05 | 522.85 | 493.75 | +0.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 625.65 | 614.05 | 584.85 | 555.65 | — | 497.35 | +2.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 626.75 | 615.15 | 585.95 | 556.75 | 527.65 | 498.45 | +3.3 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 628.85 | 617.45 | 590.85 | 559.15 | 530.65 | 502.15 | +1.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 631.25 | 619.65 | 590.45 | 561.25 | 532.15 | 502.95 | +1.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 632.35 | 620.75 | 591.55 | 562.35 | 533.25 | 504.05 | +5.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 632.75 | 621.25 | 592.25 | 562.75 | 533.75 | 504.75 | +1.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 627.05 | 616.55 | 589.55 | 563.05 | 536.05 | 509.05 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 635.15 | 623.55 | 594.35 | 565.25 | 536.05 | 506.85 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 636.95 | 625.35 | 596.15 | 566.95 | 537.85 | 508.65 | +3.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 640.75 | 629.10 | 599.95 | 570.75 | 541.60 | 512.45 | +3.4 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 641.25 | 629.65 | 600.45 | 571.25 | 542.15 | 512.95 | +9.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 643.45 | 631.75 | 602.65 | 573.45 | 544.25 | 515.15 | +3.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 644.25 | 632.65 | 603.45 | 574.25 | 545.15 | 515.95 | +7.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 647.35 | 635.85 | 606.85 | 577.35 | 548.35 | 519.35 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 657.95 | 646.35 | 618.95 | 591.05 | 562.95 | 534.95 | +4.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 662.25 | 655.60 | 622.25 | 595.55 | 568.85 | 535.50 | +1.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 677.25 | 665.65 | 636.45 | 607.25 | 578.15 | 548.95 | +14.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 681.95 | 670.35 | 641.15 | 611.95 | 582.85 | 553.95 | +4.5 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 691.35 | 679.85 | 650.85 | 621.35 | 592.35 | 563.35 | +7.5 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Niedermuhlern for an adult aged 26 or over with a deductible of 1'500 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/), the cheapest offer in [Niedermuhlern](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/) is ÖKK (ÖKK CASAMED HMO) at 444.45 CHF a month.

### How much does health insurance cost in Niedermuhlern in 2027 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/) with a deductible of 1'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/), monthly premiums run from 444.45 CHF (ÖKK, ÖKK CASAMED HMO) to 621.35 CHF (Groupe Mutuel – Philos, 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: 483.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Niedermuhlern for an adult aged 26 or over with accident cover?

On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 514.45 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-300/) to 394.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-2500/): 120.00 CHF less a month, 1'440.00 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'900 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Niedermuhlern for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 1'500 CHF and with accident cover, the cheapest premium per model is: standard model 515.25 CHF (ÖKK), family doctor / HMO 444.45 CHF (ÖKK), flexible model 456.25 CHF (ÖKK), telemedicine 453.85 CHF (Assura).

### 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 449.20 CHF at ÖKK (ÖKK CASAMED HMO) gives 444.45 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.

## 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: Niedermuhlern is in region 2 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-300/

## Related pages

- Health insurance premiums 2027 in Niedermuhlern (BE): every situation: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/
- Premiums 2027 in Niedermuhlern (BE), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/
- Premiums 2027 in Niedermuhlern (BE), adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/child/
- Young adult: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/young-adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/no-accident/deductible-1500/
- Deductible Premiums 2027 in Niedermuhlern (BE), adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-300/
- Deductible Premiums 2027 in Niedermuhlern (BE), adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-500/
- Deductible Premiums 2027 in Niedermuhlern (BE), adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-1000/
- Deductible Premiums 2027 in Niedermuhlern (BE), adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-2000/
- Deductible Premiums 2027 in Niedermuhlern (BE), adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/niedermuhlern/adult/with-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `niedermuhlern` with your municipality, `adult` with `child` or `young-adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1500` with `deductible-2500` for another deductible. Markdown version: add `.md`.