# Health insurance premiums 2026 in Roches (BE), for a child aged 0 to 18, deductible of 0 CHF, without accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · without accident cover · monthly premiums in CHF_

In [Roches](https://praemiencheck.onedoc.ch/en/be/roches/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/roches/child/) with a 0 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/), the cheapest monthly basic insurance premium is **97.95 CHF** with **ÖKK** (HMO model model) and the most expensive is 161.45 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2025 (0 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 97.95 | — | 87.15 | — | 76.25 | — | 65.35 | +4.9 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 98.75 | — | 89.15 | 84.45 | 79.75 | 74.95 | 70.15 | +6.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 100.25 | — | 89.45 | — | 78.55 | — | 67.75 | +2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 100.25 | — | 89.45 | — | 78.55 | — | 67.75 | +2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 102.05 | — | 91.25 | — | 80.35 | — | 69.45 | +2.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 102.55 | 97.15 | 94.35 | 88.85 | 85.95 | 80.45 | 74.95 | +6.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 103.55 | — | — | — | — | 76.45 | — | +3.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 103.55 | — | — | — | — | 76.45 | — | +3.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 104.15 | — | 94.15 | 89.15 | 84.15 | 79.15 | 74.05 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 104.75 | 99.35 | 93.95 | 88.45 | 83.05 | — | 72.15 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 104.85 | — | — | — | — | 77.75 | — | +3.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO plus | 104.95 | 99.45 | 94.05 | 88.55 | 83.15 | 77.65 | 72.25 | New tariff 2026 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 105.25 | — | 96.65 | — | 87.85 | — | 79.15 | +0.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 105.25 | — | 96.65 | — | 87.85 | — | 79.15 | +5.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 105.55 | 100.15 | 94.75 | 89.25 | 83.85 | — | 73.05 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 105.85 | 100.45 | 94.95 | 89.55 | 84.05 | 78.65 | 73.15 | +6.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 106.05 | — | 95.85 | 90.75 | 85.65 | 80.55 | 75.45 | +5.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 106.15 | — | — | — | — | 79.05 | — | +6.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 106.45 | 101.25 | 96.45 | 91.05 | 85.95 | 80.35 | 75.75 | +4.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 106.45 | 101.25 | 96.45 | 91.05 | 85.95 | 80.35 | 75.75 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 106.85 | 101.45 | 96.05 | 90.55 | 85.15 | — | 74.25 | +6.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 107.45 | — | — | — | — | 80.35 | — | +3.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 107.45 | — | — | — | — | 80.35 | — | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 108.85 | 103.45 | 98.05 | 92.55 | 87.15 | 81.75 | 76.25 | +1.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 109.05 | 103.55 | 98.05 | 92.55 | 87.05 | 81.55 | 75.95 | +9.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 109.15 | 103.75 | 98.35 | 92.85 | 87.35 | 81.95 | 76.45 | +7.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 109.25 | 103.85 | 98.55 | 93.05 | 87.65 | 82.25 | 76.75 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 109.25 | 103.85 | 98.55 | 93.05 | 87.65 | 82.25 | 76.75 | +4.6 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 109.25 | 103.85 | 98.35 | 92.85 | 87.35 | 81.95 | 81.95 | +6.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 109.35 | — | 100.45 | — | 91.35 | — | 82.35 | +3.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 109.45 | 104.05 | 98.65 | 93.25 | 87.85 | 82.45 | 76.95 | +2.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 109.55 | 104.85 | 100.25 | 94.85 | 90.15 | 84.45 | — | +5.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 109.75 | 104.35 | 98.95 | 93.45 | 88.05 | 82.65 | 77.15 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 110.15 | 104.75 | 99.35 | 93.85 | 88.45 | 83.05 | 77.55 | +2.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 110.55 | 105.15 | 99.75 | 94.25 | 88.85 | 83.55 | 78.05 | +4.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 110.75 | — | 101.65 | — | 92.55 | — | 83.45 | +1.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 110.75 | 105.25 | 99.85 | 94.35 | 88.95 | 83.45 | 78.05 | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 110.90 | 105.50 | 100.10 | 94.60 | 89.20 | 83.80 | 78.30 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 110.90 | 105.50 | 100.10 | 94.60 | 89.20 | 83.80 | 78.30 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 110.90 | 105.50 | 100.10 | 94.60 | 89.20 | 83.80 | 78.30 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 110.90 | 105.50 | 100.10 | 94.60 | 89.20 | 83.80 | 78.30 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 110.95 | 105.55 | 100.15 | 94.75 | 89.35 | 83.95 | 78.45 | New tariff 2026 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 111.25 | 105.85 | 100.55 | 95.05 | 89.65 | 84.25 | 78.75 | +4.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 111.25 | — | — | — | — | 84.15 | — | +4.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 111.35 | 106.55 | 101.75 | 96.95 | 92.35 | 87.35 | 82.45 | +13.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 111.55 | 106.15 | 100.75 | 95.25 | 89.85 | — | 79.05 | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 111.75 | 106.35 | 100.85 | 95.25 | 89.75 | 84.25 | 78.75 | +9.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 111.95 | — | 101.15 | — | 90.35 | — | 79.45 | +2.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 111.95 | 106.55 | 101.15 | 95.65 | 90.25 | 84.85 | 79.35 | +3.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 111.95 | 106.55 | 101.15 | 95.65 | 90.25 | 84.85 | 79.35 | +3.0 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 112.25 | 106.85 | 101.45 | 95.95 | 90.55 | 85.15 | 79.65 | New tariff 2026 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 112.55 | 107.15 | 101.65 | 96.15 | 90.65 | 85.25 | 85.25 | +6.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 112.55 | — | — | — | — | 85.45 | — | +4.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 112.85 | 107.35 | 101.95 | 96.45 | 91.05 | 85.55 | 80.15 | +6.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Regiomed | 112.95 | 107.55 | 102.05 | 96.65 | 91.15 | 85.75 | 80.25 | +10.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 112.95 | 107.55 | 102.15 | 96.65 | 91.25 | 85.75 | 80.25 | +4.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 113.15 | 107.75 | 102.35 | 96.85 | 91.45 | 86.05 | 80.55 | +4.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 113.35 | 107.95 | 102.55 | 97.15 | 91.75 | 86.35 | — | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 113.55 | — | 104.25 | — | 94.85 | — | 85.55 | +3.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 114.05 | 109.15 | 104.25 | 99.25 | 94.55 | 89.45 | 84.45 | +13.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 114.55 | 109.15 | 103.75 | 98.25 | 92.85 | 87.45 | 81.95 | −6.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 114.75 | 109.35 | 103.85 | 98.35 | 92.95 | 87.45 | 82.05 | +6.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 115.35 | 110.35 | 105.45 | 100.35 | 95.65 | 90.45 | 85.45 | +13.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 115.65 | — | 104.55 | 99.05 | 93.55 | 87.95 | 82.45 | +5.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 115.85 | 110.45 | 105.15 | 99.65 | 94.25 | 88.85 | 83.35 | +3.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 116.05 | 110.65 | 105.25 | 99.85 | 94.45 | 89.05 | 83.55 | +4.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 116.15 | — | 108.05 | — | 97.15 | — | 86.35 | −3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 116.45 | 111.05 | 105.65 | 100.15 | 94.75 | 89.35 | 83.85 | +3.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 116.55 | 111.05 | 105.55 | 99.95 | 94.55 | 89.05 | 83.45 | +9.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 117.05 | 111.65 | 106.25 | 100.85 | 95.45 | 90.05 | 84.55 | +3.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 117.75 | 112.35 | 106.95 | 101.45 | 96.05 | 90.65 | 85.25 | +3.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 117.75 | 112.35 | 106.95 | 101.45 | 96.05 | 90.65 | 85.25 | +3.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | — | 86.65 | +4.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | 92.15 | 86.65 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 119.25 | 113.85 | 108.45 | 102.95 | 97.55 | 92.15 | 86.65 | +2.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 119.35 | 113.95 | 108.55 | 102.95 | 97.55 | 92.15 | 86.65 | +8.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 119.55 | — | 111.45 | — | 100.55 | — | 89.75 | +0.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 121.50 | 116.00 | 110.55 | 105.05 | 99.55 | 94.10 | 88.60 | +3.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 122.35 | 121.45 | 120.55 | 119.65 | 118.65 | 117.75 | — | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 122.35 | 121.45 | 120.55 | 119.65 | 118.65 | 117.75 | — | +5.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 122.55 | 117.15 | 111.65 | 106.25 | 100.75 | 95.35 | 89.85 | −1.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 122.75 | 117.35 | 111.95 | 106.45 | 101.05 | 95.65 | 90.15 | +4.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 122.75 | — | — | — | — | 95.75 | — | +4.7 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 122.85 | 117.35 | 111.90 | 106.40 | 100.90 | 95.45 | 89.95 | +3.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 123.15 | 117.75 | 112.35 | 106.85 | 101.35 | 95.95 | 90.45 | +8.2 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 123.15 | 117.65 | 112.25 | 106.65 | 101.25 | 95.75 | 95.75 | +6.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 125.65 | 120.15 | 114.75 | 109.25 | 103.85 | 98.35 | 92.95 | +6.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 125.65 | 120.15 | 114.75 | 109.25 | 103.85 | 98.35 | 92.95 | +6.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 125.75 | 120.35 | 114.95 | 109.45 | 104.05 | 98.65 | 93.25 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 126.45 | — | 118.25 | — | 107.45 | — | 96.55 | +6.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 126.45 | 121.05 | 115.65 | 110.15 | 104.75 | 99.35 | 93.85 | +3.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 126.55 | 121.15 | 115.75 | 110.45 | 104.95 | 99.55 | — | +5.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 126.95 | 121.55 | 116.05 | 110.65 | 105.15 | 99.75 | 94.25 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 126.95 | 121.45 | 116.05 | 110.55 | 105.15 | 99.65 | 94.25 | +6.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 127.25 | 121.85 | 116.35 | 110.85 | 105.65 | 99.95 | 94.35 | +13.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 127.65 | 122.15 | 116.65 | — | 105.55 | — | 94.45 | +6.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 128.45 | 122.95 | 117.55 | 112.05 | 106.65 | 101.15 | 95.75 | +2.8 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.60 | 124.10 | 118.60 | 113.15 | 107.65 | 102.15 | 96.70 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 129.65 | 124.15 | 118.65 | — | 107.55 | — | 96.45 | +5.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 129.65 | 124.25 | 118.75 | 113.35 | 107.85 | 102.45 | 96.95 | +1.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.95 | 124.45 | 118.95 | 113.45 | 107.95 | 102.45 | 96.85 | +8.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 129.95 | 124.55 | 119.15 | 113.65 | 108.25 | 102.85 | 97.35 | +3.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 130.55 | — | 121.05 | — | 110.15 | — | 99.35 | +3.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 131.75 | 126.30 | 120.85 | 115.30 | 109.85 | 103.00 | 97.55 | +5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 131.85 | — | 121.05 | — | 110.15 | — | 99.35 | +2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 131.85 | — | 121.05 | — | 110.15 | — | 99.35 | +2.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 131.85 | — | 121.05 | — | 110.15 | — | 99.35 | +2.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 132.75 | — | 121.95 | — | 111.15 | — | 100.25 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 132.85 | 127.35 | 121.85 | — | 110.75 | — | 99.65 | +4.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 134.95 | 129.55 | 124.05 | 118.65 | 113.15 | 107.75 | 102.25 | +1.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 135.15 | 129.65 | 124.15 | — | 113.05 | — | 101.95 | +4.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 136.15 | — | — | 119.85 | — | — | 103.65 | +5.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 136.95 | 131.55 | 126.05 | 120.65 | 115.15 | 109.75 | 104.25 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 138.95 | — | 128.15 | — | 117.25 | — | 106.45 | +8.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 139.00 | 133.20 | 127.45 | 121.70 | 115.90 | 110.15 | 104.40 | +5.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 139.25 | 138.35 | 137.35 | 136.45 | 135.55 | 134.55 | — | +3.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 140.65 | 135.15 | 129.75 | 124.25 | 118.85 | 113.35 | 107.95 | −2.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 140.85 | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | +1.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 140.85 | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | +1.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 140.85 | 135.45 | 129.95 | 124.55 | 119.05 | 113.65 | 108.15 | +1.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 141.45 | — | 130.65 | — | 119.75 | — | 108.95 | +8.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 141.45 | — | 130.65 | — | 119.75 | — | 108.95 | +8.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 142.35 | — | 131.55 | — | 120.65 | — | 109.75 | +7.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 142.35 | — | 131.55 | — | 120.65 | — | 109.75 | +7.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 142.35 | 136.85 | 131.45 | 125.95 | 120.55 | 115.05 | 109.65 | +1.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 143.15 | — | — | 126.85 | — | — | 110.55 | +6.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 147.35 | 141.85 | 136.35 | — | 125.15 | — | 114.05 | +5.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 148.45 | — | — | 132.15 | — | — | 115.85 | +6.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 161.45 | — | 150.55 | — | 139.75 | — | 128.95 | +8.0 % |

\* insurer’s default model

## Frequently asked questions

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

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/), the cheapest offer in [Roches](https://praemiencheck.onedoc.ch/en/be/roches/) is ÖKK (HMO model) at 97.95 CHF a month.

### How much does health insurance cost in Roches in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/roches/child/) with a deductible of 0 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/), monthly premiums run from 97.95 CHF (ÖKK, HMO model) to 161.45 CHF (Sympany, 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: 113.65 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (ÖKK, HMO model), the premium goes from 97.95 CHF a month with the 0 CHF deductible to 65.35 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-600/): 32.60 CHF less a month, 391.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 435 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Roches 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 111.95 CHF (ÖKK), family doctor / HMO 97.95 CHF (ÖKK), flexible model 100.25 CHF (ÖKK), telemedicine 98.75 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 18 of the 26 insurers present in Roches 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 – Gesundheitsplan | 102.55 CHF | 39.95 CHF from the 3rd child |
| Agrisano | AGRIsmart | 98.75 CHF | 42.05 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 116.15 CHF | 45.45 CHF from the 3rd child |
| Galenos | Managed Care | 122.55 CHF | 46.15 CHF from the 3rd child |
| sana24 | Managed Care | 129.65 CHF | 49.05 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 106.45 CHF | 50.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 109.55 CHF | 52.25 CHF from the 3rd child |
| CONCORDIA | HMO | 109.05 CHF | 55.05 CHF from the 3rd child |
| sodalis | Digimed | 109.25 CHF | 59.65 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 109.15 CHF | 63.45 CHF from the 3rd child |
| rhenusana | sanmed24 | 136.15 CHF | 65.55 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 109.25 CHF | 80.65 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 111.25 CHF | 82.15 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 121.50 CHF | 82.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed | 116.45 CHF | 86.05 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 111.35 CHF | 99.75 CHF from the 3rd child |
| Assura | PharMed | 108.85 CHF | 107.45 CHF from the 4th child, 106.05 CHF from the 5th child |
| EGK | EGK-Care | 122.35 CHF | 107.05 CHF from the 3rd 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 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 103.10 CHF at ÖKK (HMO model) gives 97.95 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.

## 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: Roches is in region 2 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 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/roches/child/no-accident/deductible-0/

## Related pages

- Health insurance premiums 2026 in Roches (BE): every situation: https://praemiencheck.onedoc.ch/en/be/roches/
- Premiums 2026 in Roches (BE), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/roches/child/
- Premiums 2026 in Roches (BE), child, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/be/roches/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/be/roches/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/with-accident/deductible-0/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 100 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-100/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 200 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-200/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-300/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 400 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-400/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-500/
- Deductible Premiums 2026 in Roches (BE), child, deductible of 600 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/roches/child/no-accident/deductible-600/

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