Health insurance premiums 2026 in Rüderswil (BE)For a child aged 0 to 18 with accident cover
From 63.25 to 166.85 CHF a month depending on the deductible and the model
128 offers from 26 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 93.35 | — | 83.25 | 78.25 | 73.25 | 68.25 | 63.25 |
| 2 | Agrisano | AGRIcontact | 98.45 | — | 87.85 | 82.65 | 77.35 | 72.05 | 66.75 |
| 3 |  ÖKK | HMO model | 99.85 | — | 88.25 | — | 76.55 | — | 64.85 |
| 4 | Agrisano | AGRIeco | 100.15 | — | 89.45 | 84.05 | 78.75 | 73.35 | 67.95 |
| 5 | ÖKK | Family doctor | 102.25 | — | 90.65 | — | 78.95 | — | 67.25 |
| 6 | ÖKK | Select | 102.25 | — | 90.65 | — | 78.95 | — | 67.25 |
| 7 | ÖKK | Telemedicine | 104.05 | — | 92.45 | — | 80.75 | — | 69.05 |
| 8 |  CSS | Hausarztversicherung Profit | 104.15 | 98.35 | 92.55 | 86.65 | 80.85 | — | 69.15 |
| 9 |  Visana | VIVA – Gesundheitsplan | 104.55 | 98.75 | 96.75 | 90.95 | 89.05 | 83.15 | 77.35 |
| 10 | Visana | Tel Doc | 105.35 | 99.45 | 93.65 | 87.85 | 81.95 | 76.15 | 70.35 |
| 11 |  KPT | KPTwin.smart | 105.85 | — | 96.65 | — | 87.25 | — | 77.95 |
| 12 | Visana | HMO plus | 105.85 | 100.05 | 94.15 | 88.35 | 82.55 | 76.65 | 70.85 |
| 13 |  Helsana | BeneFit PLUS Telmed | 105.95 | — | — | — | — | 76.85 | — |
| 14 |  Sumiswalder Krankenkasse | Family doctor | 106.15 | 100.65 | 95.45 | 89.65 | 84.15 | 78.15 | 73.15 |
| 15 | Sumiswalder Krankenkasse | Telemedicine | 106.15 | 100.65 | 95.45 | 89.65 | 84.15 | 78.15 | 73.15 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Rüderswil, with accident cover, the cheapest health insurance premium is:
- 93.35 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 63.25 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Rüderswil for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2026, with accident cover, the cheapest offer in Rüderswil is Agrisano (AGRIsmart) at 93.35 CHF a month.
How much does health insurance cost in Rüderswil in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 93.35 CHF (Agrisano, AGRIsmart) to 166.85 CHF (Sympany, Standard model): 128 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: 104.05 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Rüderswil for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 93.35 CHF a month with the 0 CHF deductible to 63.25 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Rüderswil 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 with accident cover, the cheapest premium per model is: standard model 109.35 CHF (Agrisano), family doctor / HMO 99.85 CHF (ÖKK), flexible model 102.25 CHF (ÖKK), telemedicine 93.35 CHF (Agrisano).
Does a second or third child pay less in Rüderswil?
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 Rüderswil file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 93.35 CHF | 39.65 CHF from the 3rd child |
| Visana | VIVA – Gesundheitsplan | 104.55 CHF | 40.75 CHF from the 3rd child |
| Galenos | Managed Care | 121.95 CHF | 45.95 CHF from the 3rd child |
| sana24 | Managed Care | 123.65 CHF | 46.55 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 120.45 CHF | 47.25 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 106.15 CHF | 50.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 107.95 CHF | 51.45 CHF from the 3rd child |
| CONCORDIA | HMO | 107.85 CHF | 54.35 CHF from the 3rd child |
| sodalis | Digimed | 109.35 CHF | 59.45 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 112.75 CHF | 65.65 CHF from the 3rd child |
| rhenusana | sanmed24 | 140.75 CHF | 67.85 CHF from the 3rd child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 119.05 CHF | 80.55 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 109.65 CHF | 80.95 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex | 115.95 CHF | 85.65 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 119.85 CHF | 88.65 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 114.45 CHF | 102.45 CHF from the 3rd child |
| EGK | EGK-TelCare | 117.75 CHF | 103.05 CHF from the 3rd child |
| Assura | PharMed | 115.45 CHF | 114.05 CHF from the 4th child, 112.65 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 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 98.50 CHF at Agrisano (AGRIsmart) gives 93.35 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.