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Change the search: OberthalAdultYoung adultChild · with accidentwithout accidentThe lowest monthly premiumThe lowest deductible300 CHF500 CHF1'000 CHF1'500 CHF2'000 CHF2'500 CHF0 CHF100 CHF200 CHF400 CHF600 CHF

Health insurance premiums 2027 in Oberthal (BE) For a child aged 0 to 18, deductible of 500 CHF, without accident cover

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129 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 500 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Oberthal (canton Bern), in 2027, for a child aged 0 to 18 with a 500 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 84.60 CHF with Agrisano (AGRIsmart model) and the most expensive is 124.50 CHF with sana24 (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Oberthal for a child aged 0 to 18 with a deductible of 500 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Oberthal is Agrisano (AGRIsmart) at 84.60 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 96.10 CHF a month.

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

For a child aged 0 to 18 with a deductible of 500 CHF and without accident cover, monthly premiums run from 84.60 CHF (Agrisano, AGRIsmart) to 124.50 CHF (sana24, Standard model): 129 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: 123.90 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Oberthal for a child aged 0 to 18 without accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 108.70 CHF a month with the 0 CHF deductible to 79.90 CHF with the 600 CHF deductible: 28.80 CHF less a month, 345.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 384 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Oberthal 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 500 CHF and without accident cover, the cheapest premium per model is: standard model 96.10 CHF (Sanitas), family doctor / HMO 88.50 CHF (CONCORDIA), flexible model 89.00 CHF (Groupe Mutuel – Avenir), telemedicine 84.60 CHF (Agrisano).

Does a second or third child pay less in Oberthal?

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 Oberthal file a reduced premium from a certain number of children insured with them, at a 500 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
AgrisanoAGRIsmart84.60 CHF30.20 CHF from the 3rd child
VisanaHMO plus90.40 CHF30.90 CHF from the 3rd child
GalenosManaged Care105.70 CHF34.90 CHF from the 3rd child
sana24Managed Care111.50 CHF36.40 CHF from the 3rd child
sodalisDigimed94.70 CHF37.90 CHF from the 3rd child
CONCORDIAHMO88.50 CHF38.30 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus90.20 CHF45.10 CHF from the 3rd child
AquilanaSMARTMED93.50 CHF46.80 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa92.30 CHF50.80 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)89.00 CHF66.70 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)95.60 CHF71.70 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine104.30 CHF71.95 CHF from the 3rd child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)97.20 CHF72.90 CHF from the 5th child
SLKKSmartMed99.10 CHF86.80 CHF from the 3rd child
AssuraMediTel91.10 CHF89.70 CHF from the 4th child, 88.40 CHF from the 5th child
EGKEGK-Care101.70 CHF91.30 CHF from the 3rd child

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

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.