Health insurance premiums 2027 in Oberbalm (BE)For a child aged 0 to 18 without accident cover
From 82.45 to 178.85 CHF a month depending on the deductible and the model
128 offers from 26 health insurers.
In 2027, for a child aged 0 to 18 in Oberbalm, without accident cover, the cheapest health insurance premium is:
- 115.00 CHF a month with a 0 CHF deductible (Sanitas, TelMed Basic)
- 82.45 CHF a month with a 600 CHF deductible (Sanitas, TelMed Basic)
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Frequently asked questions
Which health insurance is the cheapest in Oberbalm for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2027, without accident cover, the cheapest offer in Oberbalm is Sanitas (TelMed Basic) at 115.00 CHF a month.
How much does health insurance cost in Oberbalm in 2027 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 115.00 CHF (Sanitas, TelMed Basic) to 178.85 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: 132.35 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Oberbalm for a child aged 0 to 18 without accident cover?
On the cheapest offer (Sanitas, TelMed Basic), the premium goes from 115.00 CHF a month with the 0 CHF deductible to 82.45 CHF with the 600 CHF deductible: 32.55 CHF less a month, 390.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 434 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Oberbalm 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 without accident cover, the cheapest premium per model is: standard model 120.00 CHF (Sanitas), family doctor / HMO 116.30 CHF (Sanitas), flexible model 117.50 CHF (Sanitas), telemedicine 115.00 CHF (Sanitas).
Does a second or third child pay less in Oberbalm?
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 Oberbalm file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Visana | VIVA health plan | 124.65 CHF | 49.35 CHF from the 3rd child |
| sana24 | Managed Care | 140.35 CHF | 53.55 CHF from the 3rd child |
| Galenos | Managed Care | 145.25 CHF | 55.55 CHF from the 3rd child |
| Agrisano | AGRIcontact | 129.65 CHF | 56.35 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 124.85 CHF | 60.05 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 142.15 CHF | 60.05 CHF from the 3rd child |
| CONCORDIA | HMO | 124.55 CHF | 63.35 CHF from the 3rd child |
| Aquilana | SMARTMED | 131.75 CHF | 63.55 CHF from the 3rd child |
| sodalis | Digimed | 132.85 CHF | 67.95 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 128.25 CHF | 68.45 CHF from the 3rd child |
| rhenusana | sanmed24 | 164.25 CHF | 79.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 124.15 CHF | 91.95 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 128.55 CHF | 95.25 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 131.85 CHF | 97.75 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 150.40 CHF | 100.75 CHF from the 3rd child |
| SLKK | SmartMed | 140.15 CHF | 125.65 CHF from the 3rd child |
| EGK | EGK-Care | 137.95 CHF | 126.65 CHF from the 3rd child |
| Assura | MediTel | 134.15 CHF | 132.55 CHF from the 4th child, 130.95 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 119.75 CHF at Sanitas (TelMed Basic) gives 115.00 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.