Health insurance premiums 2026 in Renan (BE)For a child aged 0 to 18

With accident cover: from 70.65 to 173.95 CHF a month depending on the deductible and the model

129 offers from 26 health insurers.

#	Insurer	Model	Deductible
#	Insurer	Model	0 CHF	100 CHF	200 CHF	300 CHF	400 CHF	500 CHF	600 CHF
1	Agrisano	TelemedicineAGRIsmart	104.25	—	94.15	89.15	84.25	79.15	74.15
2	ÖKK	Family doctor / HMOHMO model	105.65	—	94.05	—	82.35	—	70.65
3	ÖKK	Family doctor / HMOFamily doctor	108.15	—	96.55	—	84.85	—	73.15
4	ÖKK	Flexible modelSelect	108.15	—	96.55	—	84.85	—	73.15
5	Agrisano	TelemedicineAGRIcontact	109.95	—	99.35	94.15	88.85	83.55	78.25
6	ÖKK	TelemedicineTelemedicine	110.05	—	98.45	—	86.75	—	75.05
7	Visana	Family doctor / HMOVIVA – Gesundheitsplan	110.05	104.25	101.25	95.45	92.25	86.45	80.55
8	Helsana	Family doctor / HMOBeneFit PLUS Hausarzt R1	111.65	—	—	—	—	82.55	—
9	Helsana	Flexible modelBeneFit PLUS Flexmed R1	111.65	—	—	—	—	82.55	—
10	Agrisano	Family doctor / HMOAGRIeco	111.85	—	101.15	95.75	90.45	85.05	79.65
11	Visana	Family doctor / HMOHMO plus	112.65	106.75	100.95	95.15	89.25	83.45	77.65
12	CSS	Family doctor / HMOHMO (health practice)	113.05	107.25	101.45	95.55	89.75	—	78.05
13	Helsana	Family doctor / HMOBeneFit PLUS Hausarzt R2	113.05	—	—	—	—	83.95	—
14	KPT	TelemedicineKPTwin.smart	113.65	—	104.35	—	94.85	—	85.55
15	KPT	Flexible modelKPTwin.win	113.65	—	104.35	—	94.85	—	85.55
			See all	See all	See all	See all	See all	See all	See all

Without accident cover: from 65.35 to 161.45 CHF a month depending on the deductible and the model

129 offers from 26 health insurers.

#	Insurer	Model	Deductible
#	Insurer	Model	0 CHF	100 CHF	200 CHF	300 CHF	400 CHF	500 CHF	600 CHF
1	ÖKK	Family doctor / HMOHMO model	97.95	—	87.15	—	76.25	—	65.35
2	Agrisano	TelemedicineAGRIsmart	98.75	—	89.15	84.45	79.75	74.95	70.15
3	ÖKK	Family doctor / HMOFamily doctor	100.25	—	89.45	—	78.55	—	67.75
4	ÖKK	Flexible modelSelect	100.25	—	89.45	—	78.55	—	67.75
5	ÖKK	TelemedicineTelemedicine	102.05	—	91.25	—	80.35	—	69.45
6	Visana	Family doctor / HMOVIVA – Gesundheitsplan	102.55	97.15	94.35	88.85	85.95	80.45	74.95
7	Helsana	Family doctor / HMOBeneFit PLUS Hausarzt R1	103.55	—	—	—	—	76.45	—
8	Helsana	Flexible modelBeneFit PLUS Flexmed R1	103.55	—	—	—	—	76.45	—
9	Agrisano	TelemedicineAGRIcontact	104.15	—	94.15	89.15	84.15	79.15	74.05
10	CSS	Family doctor / HMOHMO (health practice)	104.75	99.35	93.95	88.45	83.05	—	72.15
11	Helsana	Family doctor / HMOBeneFit PLUS Hausarzt R2	104.85	—	—	—	—	77.75	—
12	Visana	Family doctor / HMOHMO plus	104.95	99.45	94.05	88.55	83.15	77.65	72.25
13	KPT	TelemedicineKPTwin.smart	105.25	—	96.65	—	87.85	—	79.15
14	KPT	Flexible modelKPTwin.win	105.25	—	96.65	—	87.85	—	79.15
15	CSS	Family doctor / HMOHausarztversicherung Profit	105.55	100.15	94.75	89.25	83.85	—	73.05
			See all	See all	See all	See all	See all	See all	See all

In 2026, for a child aged 0 to 18 in Renan, the cheapest health insurance premium is:

Without accident cover: 97.95 CHF a month with a 0 CHF deductible (ÖKK, HMO model), 65.35 CHF with a 600 CHF deductible (ÖKK, HMO model).
With accident cover: 104.25 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart), 70.65 CHF with a 600 CHF deductible (ÖKK, HMO model).

Lowest premium by deductible in Renan for a child with accident cover

Deductible of 0 CHF104.25 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 100 CHF104.25 CHFVisanaFamily doctor / HMOVIVA – Gesundheitsplan
Deductible of 200 CHF94.05 CHFÖKKFamily doctor / HMOHMO model
Deductible of 300 CHF89.15 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 400 CHF82.35 CHFÖKKFamily doctor / HMOHMO model
Deductible of 500 CHF79.15 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 600 CHF70.65 CHFÖKKFamily doctor / HMOHMO model

Lowest premium by deductible in Renan for a child without accident cover

Deductible of 0 CHF97.95 CHFÖKKFamily doctor / HMOHMO model
Deductible of 100 CHF97.15 CHFVisanaFamily doctor / HMOVIVA – Gesundheitsplan
Deductible of 200 CHF87.15 CHFÖKKFamily doctor / HMOHMO model
Deductible of 300 CHF84.45 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 400 CHF76.25 CHFÖKKFamily doctor / HMOHMO model
Deductible of 500 CHF74.95 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 600 CHF65.35 CHFÖKKFamily doctor / HMOHMO model

Which deductible to choose?

As a guide, a 0 CHF deductible often costs less overall if your healthcare costs exceed about 500 CHF a year; 600 CHF can cost less if your costs are lower.

Always compare total annual cost (premiums + cost sharing), not just the monthly premium.

Last modified: 28/09/2026

Frequently asked questions

Which health insurance is the cheapest in Renan for a child aged 0 to 18?

In 2026, without accident cover: ÖKK (HMO model) at 97.95 CHF a month with a deductible of 0 CHF, and ÖKK (HMO model) at 65.35 CHF with the 600 CHF deductible. With accident cover: Agrisano (AGRIsmart) at 104.25 CHF, and ÖKK (HMO model) at 70.65 CHF.

How much does accident cover cost in basic insurance in Renan?

For a child aged 0 to 18 with ÖKK (HMO model), the premium rises from 97.95 CHF a month without accident cover to 105.65 CHF with accident cover, at the 0 CHF deductible: 7.70 CHF a month, 92.40 CHF a year. You only need this cover if you are not already fully insured for accidents under the Accident Insurance Act (UVG/LAA). If you work at least 8 hours a week for the same employer, their accident insurance generally also covers non-occupational accidents.

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 109.40 CHF at Agrisano (AGRIsmart) gives 104.25 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.

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.