Health insurance premiums 2027 in Oberbalm (BE)For an adult aged 26 or over without accident cover
From 405.25 to 729.25 CHF a month depending on the deductible and the model
128 offers from 26 health insurers.
In 2027, for an adult aged 26 or over in Oberbalm, without accident cover, the cheapest health insurance premium is:
- 524.70 CHF a month with a 300 CHF deductible (Sanitas, Family doctor 1)
- 405.25 CHF a month with a 2'500 CHF deductible (Sanitas, Family doctor 1)
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Frequently asked questions
Which health insurance is the cheapest in Oberbalm for an adult aged 26 or over with a deductible of 300 CHF, without accident cover?
In 2027, without accident cover, the cheapest offer in Oberbalm is Sanitas (Family doctor 1) at 524.70 CHF a month.
How much does health insurance cost in Oberbalm in 2027 for an adult aged 26 or over?
For an adult aged 26 or over with a deductible of 300 CHF and without accident cover, monthly premiums run from 524.70 CHF (Sanitas, Family doctor 1) to 729.25 CHF (rhenusana, 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: 526.45 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Oberbalm for an adult aged 26 or over without accident cover?
On the cheapest offer (Sanitas, Family doctor 1), the premium goes from 524.70 CHF a month with the 300 CHF deductible to 405.25 CHF with the 2'500 CHF deductible: 119.45 CHF less a month, 1'433.40 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'893 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Oberbalm 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 300 CHF and without accident cover, the cheapest premium per model is: standard model 603.85 CHF (Sanitas), family doctor / HMO 524.70 CHF (Sanitas), flexible model 527.95 CHF (Sympany), telemedicine 538.65 CHF (Helsana).
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 529.45 CHF at Sanitas (Family doctor 1) gives 524.70 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.