# Health insurance premiums 2026 in Oberbalm (BE), for a young adult aged 19 to 25 without accident cover

In 2026, for a young adult aged 19 to 25 in Oberbalm, without accident cover, the cheapest health insurance premium is:

- **356.55 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-300/) (Visana, VIVA – Gesundheitsplan)
- **237.45 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-2500/) (Visana, VIVA – Gesundheitsplan)

## Without accident cover: from 237.45 to 584.30 CHF a month depending on the deductible and the model

127 offers from 26 health insurers. With a deductible of 300 CHF, the cheapest is **356.55 CHF** a month with **Visana** (VIVA – Gesundheitsplan), the most expensive 584.30 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 356.55 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-300/
- 500 CHF: 348.85 CHF (Sanitas, Family doctor 1) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-500/
- 1'000 CHF: 318.85 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-1000/
- 1'500 CHF: 291.55 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-1500/
- 2'000 CHF: 264.75 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-2000/
- 2'500 CHF: 237.45 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 356.55 | 350.35 | 318.85 | 291.55 | 264.75 | 237.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 359.65 | 348.85 | 321.70 | 294.50 | 267.40 | 240.20 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 359.75 | 348.95 | 321.75 | 294.55 | 267.45 | 240.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 363.50 | 352.70 | 325.50 | 298.30 | 271.20 | 244.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 363.50 | 352.70 | 325.50 | 298.30 | 271.20 | 244.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 363.50 | 352.70 | 325.50 | 298.30 | 271.20 | 244.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 363.55 | 352.75 | 325.55 | 298.45 | 271.35 | 244.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 363.55 | 352.75 | 325.55 | 298.45 | 271.35 | 244.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 365.55 | 354.65 | 327.55 | 300.45 | 273.25 | 246.15 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 371.95 | 361.05 | 333.95 | 306.85 | 279.65 | 252.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 371.95 | 361.05 | 333.95 | 306.85 | 279.65 | 252.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 374.05 | 363.15 | 336.15 | 308.95 | 281.85 | 254.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 374.05 | 363.15 | 336.15 | 308.95 | 281.85 | 254.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 374.95 | 364.15 | 336.95 | 309.75 | 282.65 | 255.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 375.95 | 365.15 | 337.95 | 310.85 | 283.75 | 256.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 378.15 | 371.95 | 340.05 | 312.75 | 285.55 | 258.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 385.35 | 374.65 | 347.75 | 320.25 | 293.35 | 266.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 385.95 | 374.95 | 347.25 | 319.45 | 291.85 | 264.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 387.25 | 381.05 | 349.05 | 321.85 | 294.55 | 267.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 389.45 | 378.75 | 351.55 | 324.35 | 297.35 | 277.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 389.65 | 383.45 | 351.55 | 324.25 | 296.95 | 269.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 392.95 | 381.85 | 354.15 | 326.45 | 298.75 | 271.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 393.05 | 382.65 | 356.25 | 329.65 | 302.95 | 275.95 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 393.05 | 382.65 | 356.25 | 329.65 | 302.95 | 275.95 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 393.85 | 382.95 | 355.65 | 328.35 | 301.15 | 273.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 394.05 | 387.85 | 355.95 | 328.65 | 301.45 | 274.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 396.25 | 385.45 | 358.25 | 331.15 | 304.05 | 276.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 396.95 | 386.25 | 359.25 | 331.85 | 304.85 | 277.95 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 398.35 | 387.55 | 360.25 | 332.95 | 305.65 | 278.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 398.55 | 387.75 | 360.55 | 333.45 | 306.35 | 279.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 398.55 | 387.75 | 360.55 | 333.45 | 306.35 | 279.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 400.65 | 389.85 | 362.75 | 335.55 | 308.45 | 281.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 401.55 | 390.85 | 363.85 | 336.45 | 309.45 | 282.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 402.15 | 391.05 | 363.35 | 335.65 | 307.95 | 280.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 403.25 | 392.45 | 365.35 | 338.15 | 311.05 | 283.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 403.25 | 392.45 | 365.35 | 338.15 | 311.05 | 283.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 403.25 | 392.45 | 365.35 | 338.15 | 311.05 | 283.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 404.35 | 393.65 | 366.75 | 339.25 | 312.35 | 285.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 404.55 | 393.75 | 366.65 | 339.45 | 312.35 | 285.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 405.25 | 394.45 | 367.25 | 340.15 | 313.05 | 285.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 406.15 | 395.35 | 368.25 | 341.05 | 313.95 | 286.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 408.05 | 397.25 | 370.05 | 342.95 | 315.85 | 288.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 408.05 | 397.25 | 370.05 | 342.95 | 315.85 | 288.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 408.05 | 397.25 | 370.05 | 342.95 | 315.85 | 288.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 408.15 | 397.45 | 370.25 | 343.05 | 316.05 | 288.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 408.55 | 397.75 | 370.65 | 343.45 | 316.45 | 289.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 409.05 | 398.35 | 371.35 | 343.95 | 316.95 | 290.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 410.45 | 404.25 | 372.25 | 345.05 | 317.75 | 290.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 410.85 | 400.15 | 372.95 | 345.75 | 318.75 | 291.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 413.75 | 402.75 | 375.15 | 347.55 | 320.05 | 292.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 415.45 | 404.75 | 377.75 | 350.35 | 323.35 | 296.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 415.55 | 404.45 | 376.75 | 349.05 | 321.35 | 293.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 416.65 | 407.35 | 383.75 | 358.05 | 334.45 | 307.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 418.25 | 407.35 | 385.05 | 357.95 | 325.95 | 298.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 418.45 | 407.75 | 380.75 | 353.35 | 326.35 | 299.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 418.45 | 407.75 | 380.75 | 353.35 | 326.35 | 299.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 418.85 | 408.75 | 383.65 | 358.65 | 333.55 | 308.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 420.65 | 409.75 | 394.75 | 367.65 | 330.85 | 303.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 422.05 | 411.25 | 384.15 | 356.95 | 329.85 | 302.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 423.35 | 412.45 | 385.35 | 358.25 | 331.05 | 303.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 423.65 | 412.85 | 385.65 | 358.55 | 331.45 | 304.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 423.65 | 412.65 | 385.05 | 357.45 | 329.95 | 302.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 424.35 | 413.65 | 386.65 | 359.25 | 332.25 | 305.25 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 425.85 | 415.65 | 390.15 | 364.65 | 339.15 | 313.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 426.75 | 416.05 | 389.05 | 361.65 | 334.65 | 307.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 426.75 | 416.05 | 388.85 | 361.65 | 334.65 | 307.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 427.65 | 416.95 | 389.75 | 362.65 | 335.55 | 308.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 429.15 | 418.45 | 391.55 | 364.05 | 337.15 | 310.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 429.85 | 419.05 | 391.85 | 364.75 | — | 310.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 430.15 | 419.25 | 391.95 | 364.65 | 337.45 | 310.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 431.05 | 420.25 | 393.15 | 366.15 | 338.95 | 311.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 432.55 | 426.25 | 394.35 | 367.05 | 339.85 | 312.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 433.55 | 422.55 | 394.85 | 367.05 | 339.45 | 311.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 433.75 | 422.95 | 395.75 | 368.65 | — | 314.35 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 434.55 | 423.75 | 396.45 | 369.15 | 341.95 | 314.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 435.15 | 424.25 | 397.15 | 372.45 | 347.75 | 325.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 435.15 | 429.15 | 402.05 | 374.85 | 342.95 | 315.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 436.95 | 430.75 | 398.75 | 371.55 | 344.25 | 316.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 438.95 | 428.05 | 400.85 | 373.55 | 346.35 | 319.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 438.95 | 428.25 | 401.25 | 373.85 | 346.85 | 319.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.25 | 428.45 | 401.35 | 374.15 | 347.05 | 319.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 440.95 | 429.95 | 402.35 | 374.75 | 347.25 | 319.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 441.65 | 430.85 | 403.65 | 376.55 | — | 322.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 443.35 | 432.55 | 405.45 | 378.25 | 351.15 | 324.05 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 443.65 | 432.75 | 405.65 | 378.55 | 351.35 | 324.25 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 444.65 | 433.75 | 407.45 | 383.85 | 360.25 | 324.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 445.55 | 434.75 | 407.55 | 380.45 | — | 326.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 446.45 | 435.55 | 408.25 | 381.05 | 353.75 | 326.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 448.15 | 437.35 | 410.05 | 382.75 | 355.55 | 328.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 449.65 | 438.85 | 411.65 | 386.95 | 362.25 | 339.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 450.65 | 439.75 | 412.45 | 385.25 | 357.95 | 330.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 451.25 | 440.35 | 413.05 | 385.85 | 358.55 | 331.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 451.85 | 441.05 | 413.85 | 386.75 | 359.65 | 332.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 451.85 | 441.05 | 413.85 | 386.75 | 359.65 | 332.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 453.45 | 442.65 | 415.45 | 388.35 | — | 334.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 456.65 | 445.65 | 417.85 | 390.15 | 362.55 | 334.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 457.05 | 446.35 | 419.35 | 391.95 | 364.95 | 337.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 457.45 | 446.55 | 419.35 | 392.05 | 364.75 | 337.55 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 457.85 | 447.05 | 420.75 | 397.15 | 373.55 | 337.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 460.85 | 449.95 | 422.65 | 395.45 | 368.15 | 340.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 462.85 | 452.15 | 425.25 | 397.75 | 370.85 | 343.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 463.25 | 453.65 | 429.55 | 405.35 | 381.35 | 357.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 463.25 | 452.15 | 424.55 | 396.75 | 369.05 | 341.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 464.35 | 453.55 | 426.45 | 399.25 | 372.25 | 345.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 469.65 | 458.75 | 431.45 | 404.15 | 376.95 | 349.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 470.45 | 459.55 | 432.25 | 405.05 | 377.75 | 350.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 471.25 | 460.45 | 433.25 | 406.15 | 379.05 | 351.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 472.35 | 461.40 | 433.95 | 406.55 | 379.15 | 351.70 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 473.95 | 464.15 | 439.45 | 414.75 | 390.05 | 365.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 475.25 | 464.35 | 437.05 | 409.85 | 382.55 | 355.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 475.85 | 465.05 | 437.85 | 410.75 | 383.65 | 356.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 477.45 | 466.45 | 439.05 | 411.65 | 384.20 | 356.80 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 478.65 | 467.85 | 440.75 | 413.55 | 386.45 | 359.35 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 479.25 | 469.35 | 444.35 | 419.35 | 394.45 | 369.55 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 479.55 | 468.75 | 441.55 | 414.65 | 387.35 | 360.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 481.25 | 470.35 | 443.15 | 415.85 | 388.65 | 361.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 482.85 | 472.15 | 445.25 | 417.75 | 390.85 | 363.85 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 488.45 | 480.05 | 459.15 | 438.25 | 416.85 | 395.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 490.45 | 479.45 | 451.95 | 424.35 | 396.85 | 369.25 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 499.45 | 488.55 | 461.15 | 433.65 | 406.35 | 378.85 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 502.85 | 491.85 | 464.45 | 437.05 | 409.60 | 382.20 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 508.65 | 497.85 | 470.75 | 443.55 | — | 389.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 512.55 | 501.85 | 474.95 | 447.55 | 425.25 | 403.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 527.15 | 516.25 | 488.85 | 461.35 | 434.05 | 406.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 531.25 | 522.05 | 499.25 | 476.45 | 453.65 | 430.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 554.80 | 543.65 | 515.60 | 487.65 | 459.65 | 428.30 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 584.30 | 573.70 | 548.90 | 519.45 | 489.95 | 460.50 |

127 offers from 26 health insurers.: https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Oberbalm for a young adult aged 19 to 25 with a deductible of 300 CHF, without accident cover?

In 2026, without accident cover, the cheapest offer in [Oberbalm](https://praemiencheck.onedoc.ch/en/be/oberbalm/) is Visana (VIVA – Gesundheitsplan) at 356.55 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 374.95 CHF a month.

### How much does health insurance cost in Oberbalm in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/) with a deductible of 300 CHF and without accident cover, monthly premiums run from 356.55 CHF (Visana, VIVA – Gesundheitsplan) to 584.30 CHF (vita surselva, Standard model): 127 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: 346.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Oberbalm for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 356.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-300/) to 237.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/deductible-2500/): 119.10 CHF less a month, 1'429.20 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'888 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Oberbalm for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 300 CHF and without accident cover, the cheapest premium per model is: standard model 374.95 CHF (Sanitas), family doctor / HMO 356.55 CHF (Visana), flexible model 363.55 CHF (Sanitas), telemedicine 359.75 CHF (Sanitas).

### 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 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 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 361.70 CHF at Visana (VIVA – Gesundheitsplan) gives 356.55 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/

## Related pages

- Without accident cover: from 237.45 to 584.30 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/

Address of this page: praemiencheck.onedoc.ch/en/be/oberbalm/young-adult/no-accident/ — replace `be` with your canton’s two-letter code (ge, vd, zh…) and `oberbalm` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.