# Health insurance premiums 2027 in Ostermundigen (BE), for a child aged 0 to 18, deductible of 400 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Ostermundigen](https://praemiencheck.onedoc.ch/en/be/ostermundigen/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/), the cheapest monthly basic insurance premium is **100.60 CHF** with **Sanitas** (TelMed Basic model) and the most expensive is 155.25 CHF with Atupri (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 123.90 | 118.10 | 112.25 | 106.40 | 100.60 | 94.75 | 88.90 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 125.25 | 119.45 | 113.60 | 107.75 | 101.95 | 96.10 | 90.25 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 125.25 | 119.45 | 113.60 | 107.75 | 101.95 | 96.10 | 90.25 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 125.25 | 119.45 | 113.60 | 107.75 | 101.95 | 96.10 | 90.25 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 125.25 | 119.45 | 113.60 | 107.75 | 101.95 | 96.10 | 90.25 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 125.25 | 119.45 | 113.60 | 107.75 | 101.95 | 96.10 | 90.25 | +3.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 126.55 | 120.75 | 114.90 | 109.05 | 103.25 | 97.40 | 91.55 | +3.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 128.35 | — | 116.75 | — | 105.05 | — | 93.35 | +4.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.25 | 123.45 | 117.60 | 111.75 | 105.95 | 100.10 | 94.25 | +3.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 131.35 | — | 119.75 | — | 108.05 | — | 96.35 | +4.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 131.35 | — | 119.75 | — | 108.05 | — | 96.35 | +4.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 132.05 | 126.25 | 120.45 | 114.55 | 108.75 | 102.95 | 97.05 | +1.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 133.55 | — | 121.95 | — | 110.25 | — | 98.55 | +4.0 % |
| [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) | 133.85 | 128.05 | 122.25 | 116.35 | 110.55 | 104.75 | 98.85 | +1.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 133.85 | 128.05 | 122.25 | 116.35 | 110.55 | 104.75 | 98.85 | +1.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 129.85 | — | 120.55 | — | 111.15 | — | 101.85 | −2.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 129.85 | — | 120.55 | — | 111.15 | — | 101.85 | +1.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 135.35 | 129.55 | 123.75 | 117.85 | 112.05 | 106.25 | 100.35 | +1.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 133.65 | 127.85 | 122.55 | 116.75 | 112.05 | 106.25 | 100.35 | +8.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | 106.35 | 100.55 | +5.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 136.05 | 130.25 | 124.45 | 118.55 | 112.75 | 106.95 | 101.05 | +2.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 134.55 | 129.05 | 123.85 | 118.35 | 113.05 | 107.65 | 102.15 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 136.65 | 130.85 | 125.05 | 119.15 | 113.35 | — | 101.65 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | 102.25 | New tariff 2027 |
| [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 | 133.15 | — | 123.65 | — | 114.05 | — | 104.45 | +2.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Medcasa | 137.45 | 131.65 | 125.85 | 120.05 | 114.25 | 108.35 | 102.45 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 138.25 | 132.45 | 126.65 | 120.75 | 114.95 | — | 103.25 | +7.0 % |
| [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) | 138.45 | 132.65 | 126.85 | 120.95 | 115.15 | 109.35 | 103.45 | +1.6 % |
| [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) | 138.55 | 132.75 | 126.95 | 121.05 | 115.25 | 109.45 | 103.55 | +1.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 136.75 | — | 126.05 | 120.65 | 115.35 | 109.95 | 104.65 | +5.9 % |
| [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) | 134.85 | — | 125.25 | — | 115.55 | — | 105.85 | +0.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 137.35 | 131.95 | 126.75 | 121.15 | 115.85 | 110.55 | 105.05 | +6.7 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 137.35 | 131.95 | 126.75 | 121.15 | 115.85 | 110.55 | 105.05 | +6.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 139.35 | 133.55 | 127.75 | 121.85 | 116.05 | 110.25 | 104.35 | +1.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 137.45 | — | 126.75 | 121.35 | 116.05 | 110.65 | 105.25 | +4.8 % |
| [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) | 140.15 | 134.35 | 128.55 | 122.65 | 116.85 | 111.05 | 105.15 | +1.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 140.15 | 134.35 | 128.55 | 122.65 | 116.85 | 111.05 | 105.15 | +1.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 140.95 | 135.15 | 129.35 | 123.45 | 117.65 | 111.85 | 105.95 | +1.8 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Digimed | 141.55 | 135.75 | 129.95 | 124.05 | 118.25 | 112.45 | 112.45 | +7.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 142.05 | 136.15 | 130.35 | 124.55 | 118.65 | 112.85 | 107.05 | +6.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 142.15 | 136.35 | 130.55 | 124.65 | 118.85 | 113.05 | 107.15 | +8.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 142.25 | 136.45 | 130.65 | 124.75 | 118.95 | 113.15 | 107.25 | +5.5 % |
| [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) | 142.95 | 137.15 | 131.35 | 125.45 | 119.65 | 113.85 | 107.95 | +8.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 142.95 | 137.15 | 131.35 | 125.45 | 119.65 | 113.85 | 107.95 | +8.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 139.95 | — | 129.95 | — | 119.85 | — | 109.85 | +1.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 144.35 | 138.55 | 132.65 | 126.85 | 121.05 | 115.15 | 109.35 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 144.55 | 138.75 | 132.95 | 127.05 | 121.25 | 115.45 | 109.55 | New tariff 2027 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 144.65 | 138.85 | 133.05 | 127.15 | 121.35 | 115.55 | 115.55 | +6.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 144.75 | 138.95 | 133.15 | 127.25 | 121.45 | — | 109.75 | +15.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 141.85 | 136.85 | 131.85 | 126.75 | 121.65 | 113.75 | — | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 145.45 | 139.65 | 133.85 | 127.95 | 122.15 | 116.35 | 110.45 | +7.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 146.35 | 140.55 | 134.75 | 128.85 | 123.05 | 117.25 | 111.35 | +7.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 146.45 | — | 134.85 | — | 123.15 | — | 111.45 | +4.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 146.85 | 141.05 | 135.25 | 129.45 | 123.55 | 117.75 | — | +4.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 147.15 | 141.35 | 135.55 | 129.65 | 123.85 | 118.05 | 112.15 | +7.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 147.45 | 141.65 | 135.85 | 129.95 | 124.15 | — | 112.45 | +9.5 % |
| [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) | 147.95 | 142.15 | 136.35 | 130.45 | 124.65 | 118.85 | 112.95 | +8.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 148.65 | 142.85 | 137.05 | 131.15 | 125.35 | 119.55 | — | −12.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 148.65 | 142.85 | 137.05 | 131.15 | 125.35 | 119.55 | — | −12.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.65 | 143.85 | 138.15 | 132.15 | 126.35 | 120.55 | 114.65 | +6.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.85 | — | 138.15 | 132.35 | 126.55 | 120.65 | 114.85 | +4.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 150.05 | 144.25 | 138.45 | 132.55 | 126.75 | 120.95 | 115.05 | +1.6 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 150.25 | 144.55 | 138.65 | 132.75 | 126.95 | 121.15 | 115.25 | +5.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 150.55 | 144.65 | 138.85 | 133.05 | 127.15 | 121.35 | 115.55 | +3.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 150.55 | 144.75 | 138.95 | — | 127.25 | — | 115.55 | +5.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 151.45 | 145.65 | 139.85 | — | 128.15 | — | 116.45 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 151.75 | 145.85 | 140.05 | 134.25 | 128.35 | 122.55 | 116.75 | +9.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 149.45 | 144.35 | 139.25 | 134.05 | 129.15 | 123.85 | 118.65 | +6.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 152.75 | — | 141.15 | — | 129.45 | — | 117.75 | −2.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 153.25 | 147.45 | 141.65 | 135.75 | 129.95 | — | 118.25 | +6.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 152.95 | 147.45 | 141.90 | 135.60 | 130.85 | 124.55 | 118.25 | +3.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.45 | 148.65 | 142.85 | 136.95 | 131.15 | 125.35 | 119.45 | +1.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 154.95 | 149.15 | 143.35 | 137.45 | 131.65 | 125.85 | 119.95 | +5.3 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 155.55 | — | 143.85 | — | 132.15 | — | 120.55 | −2.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 155.55 | — | 143.85 | — | 132.15 | — | 120.55 | −2.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 152.95 | 147.75 | 142.45 | 137.15 | 132.25 | 126.75 | 121.45 | +6.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 155.75 | 149.95 | 144.05 | 138.25 | 132.45 | 126.55 | 120.75 | +0.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 156.45 | — | 144.75 | — | 133.05 | — | 121.45 | −2.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 156.45 | — | 144.75 | — | 133.05 | — | 121.45 | −2.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 156.95 | 151.15 | 145.35 | — | 133.65 | — | 121.95 | +5.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 157.05 | 151.25 | 145.45 | 139.55 | 133.75 | 127.95 | 122.05 | +1.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 154.65 | 149.45 | 144.15 | 138.75 | 133.75 | 128.25 | 122.85 | +6.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 158.05 | 152.15 | 146.35 | 140.55 | 134.65 | 128.85 | 123.05 | +3.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 158.75 | 152.95 | 147.05 | 141.25 | 135.45 | 129.55 | 123.75 | +5.1 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 159.35 | 153.55 | 147.75 | 141.85 | 136.05 | 130.25 | 130.25 | +6.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 160.30 | 154.50 | 148.65 | 142.80 | 137.00 | 131.15 | 125.30 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 160.45 | 154.55 | 148.75 | 142.95 | 137.05 | 131.25 | 125.45 | +5.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 160.65 | 154.75 | 148.95 | 143.15 | 137.25 | 131.45 | 125.65 | +0.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 161.15 | 155.35 | 149.55 | 143.65 | 137.85 | 132.05 | 126.15 | +7.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 161.25 | 155.60 | 149.65 | 144.65 | 138.00 | 133.05 | 126.40 | +1.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 161.45 | 155.55 | 149.75 | 143.95 | 138.05 | 132.25 | 126.45 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 161.65 | 155.85 | 150.05 | 144.15 | 138.35 | 132.55 | 126.65 | +0.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 162.05 | 156.25 | 150.40 | 144.55 | 138.75 | 132.90 | 127.05 | +4.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 162.15 | 156.35 | 150.55 | 144.65 | 138.85 | 133.05 | 127.15 | +7.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 162.15 | 156.35 | 150.55 | 144.65 | 138.85 | 133.05 | 127.15 | +7.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 162.25 | 156.45 | 150.65 | — | 138.95 | — | 127.25 | +5.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 163.45 | — | 151.85 | — | 140.15 | — | 128.45 | +1.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 163.75 | 157.95 | 152.15 | 146.35 | 140.45 | 134.65 | — | +4.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 164.85 | 159.05 | 153.15 | 147.35 | 141.55 | 135.65 | 129.85 | +3.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 164.85 | 159.05 | 153.15 | 147.35 | 141.55 | 135.65 | 129.85 | +3.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 164.85 | 159.05 | 153.15 | 147.35 | 141.55 | 135.65 | 129.85 | +3.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 166.55 | 160.75 | 154.95 | 149.05 | 143.25 | 137.45 | 131.55 | +3.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 169.15 | 163.25 | 157.45 | 151.65 | 145.75 | 139.95 | — | −10.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FlexCare | 169.35 | 163.55 | 157.75 | — | 146.05 | — | 134.35 | +5.5 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.45 | 164.65 | 158.85 | 152.95 | 147.45 | 141.35 | 135.45 | +6.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.85 | 165.00 | 159.20 | 153.35 | 147.50 | 141.70 | 135.85 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 170.85 | 165.05 | 159.25 | 153.35 | 147.55 | 141.75 | 135.85 | +7.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 171.65 | — | 160.05 | — | 148.35 | — | 136.65 | +6.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 171.65 | — | 160.05 | — | 148.35 | — | 136.65 | +8.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 171.65 | — | 160.05 | — | 148.35 | — | 136.65 | +6.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 159.35 | — | 157.35 | — | 148.35 | — | 136.65 | +13.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 153.15 | — | 151.25 | — | 148.35 | — | 136.65 | +17.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 164.65 | — | 160.05 | — | 148.35 | — | 136.65 | +10.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 171.65 | — | 160.05 | — | 148.35 | — | 136.65 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 173.15 | 167.35 | 161.45 | 155.65 | 149.85 | 143.95 | 138.15 | +0.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 174.95 | 169.15 | 163.25 | 157.45 | 151.65 | 145.75 | 139.95 | +0.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 177.35 | — | 165.65 | — | 154.05 | — | 142.35 | −2.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 178.55 | 172.75 | 166.95 | — | 155.25 | — | 143.55 | +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 | 128.05 | — | — | — | — | 98.95 | — | — |
| [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 | 129.55 | — | — | — | — | 100.45 | — | — |
| [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 | 129.55 | — | — | — | — | 100.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 129.55 | — | — | — | — | 100.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 129.55 | — | — | — | — | 100.45 | — | — |
| [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 | 132.65 | — | — | — | — | 103.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 135.65 | — | — | — | — | 106.55 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.95 | — | — | — | — | 118.85 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 176.95 | — | — | 159.55 | — | — | 141.95 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 185.75 | — | — | 168.25 | — | — | 150.75 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 192.65 | — | — | 175.25 | — | — | 157.65 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Ostermundigen for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/), the cheapest offer in [Ostermundigen](https://praemiencheck.onedoc.ch/en/be/ostermundigen/) is Sanitas (TelMed Basic) at 100.60 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/), monthly premiums run from 100.60 CHF (Sanitas, TelMed Basic) to 155.25 CHF (Atupri, 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: 132.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Ostermundigen for a child aged 0 to 18 with accident cover?

On the cheapest offer (Sanitas, TelMed Basic), the premium goes from 123.90 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-0/) to 88.90 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-600/): 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Ostermundigen 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 400 CHF and with accident cover, the cheapest premium per model is: standard model 105.95 CHF (Sanitas), family doctor / HMO 101.95 CHF (Sanitas), flexible model 103.25 CHF (Sanitas), telemedicine 100.60 CHF (Sanitas).

### Does a second or third child pay less in Ostermundigen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 17 of the 26 insurers present in Ostermundigen file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | VIVA health plan | 112.05 CHF | 32.65 CHF from the 3rd child |
| Agrisano | AGRIcontact | 115.35 CHF | 38.25 CHF from the 3rd child |
| sana24 | Managed Care | 127.15 CHF | 40.25 CHF from the 3rd child |
| Galenos | Managed Care | 132.45 CHF | 41.75 CHF from the 3rd child |
| CONCORDIA | HMO | 108.75 CHF | 43.95 CHF from the 3rd child |
| sodalis | Digimed | 118.25 CHF | 49.25 CHF from the 3rd child |
| SWICA | Standard model | 148.35 CHF | 49.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 113.05 CHF | 54.15 CHF from the 3rd child |
| Aquilana | SMARTMED | 121.65 CHF | 58.45 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 114.25 CHF | 60.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 110.55 CHF | 81.75 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 115.25 CHF | 85.25 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 118.85 CHF | 87.95 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 137.00 CHF | 91.65 CHF from the 3rd child |
| EGK | EGK-Care | 125.35 CHF | 113.15 CHF from the 3rd child |
| SLKK | SmartMed | 129.15 CHF | 113.75 CHF from the 3rd child |
| Assura | MediTel | 121.25 CHF | 119.55 CHF from the 4th child, 117.85 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 105.35 CHF at Sanitas (TelMed Basic) gives 100.60 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: Ostermundigen is in region 1 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/ostermundigen/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Ostermundigen (BE): every situation: https://praemiencheck.onedoc.ch/en/be/ostermundigen/
- Premiums 2027 in Ostermundigen (BE), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/
- Premiums 2027 in Ostermundigen (BE), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/be/ostermundigen/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/be/ostermundigen/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-0/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-100/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-300/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-500/
- Deductible Premiums 2027 in Ostermundigen (BE), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/be/ostermundigen/child/with-accident/deductible-0/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `ostermundigen` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.