Health insurance premiums 2027 in Rüschegg (BE)For a child aged 0 to 18

With accident cover: from 79.30 to 187.60 CHF a month depending on the deductible and the model

128 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 / HMOÖKK CASAMED HMO	114.30	—	102.70	—	91.00	—	79.30
2	Agrisano	TelemedicineAGRIsmart	114.40	—	104.20	99.20	94.20	89.10	84.10
3	ÖKK	Family doctor / HMOÖKK CASAMED GENERAL PRACTITIONER	116.90	—	105.30	—	93.60	—	81.90
4	ÖKK	Flexible modelÖKK CASAMED SELECT	116.90	—	105.30	—	93.60	—	81.90
5	ÖKK	TelemedicineÖKK CASAMED 24	118.80	—	107.20	—	95.50	—	83.80
6	KPT	Family doctor / HMOKPTwin.plus - HMO GP	121.00	—	111.80	—	102.40	—	93.00
7	KPT	TelemedicineKPTwin.smart - GP with app	121.00	—	111.80	—	102.40	—	93.00
8	Agrisano	TelemedicineAGRIcontact	121.00	—	110.30	105.00	99.60	94.20	88.90
9	Agrisano	Family doctor / HMOAGRIeco	121.60	—	110.90	105.50	100.20	94.80	89.40
10	CONCORDIA	Family doctor / HMOHMO	122.70	116.90	111.10	105.20	99.40	93.60	87.70
11	Sumiswalder Krankenkasse	Family doctor / HMOHMO plus	123.80	118.30	113.10	107.60	102.20	96.90	91.50
12	KPT	Flexible modelKPTwin.win - GP, telemedicine and pharmacy	124.10	—	114.60	—	105.00	—	95.40
13	Groupe Mutuel – Avenir	Family doctor / HMOOptiMed (Healthcare network)	124.70	118.90	113.10	107.20	101.40	95.60	89.70
14	Groupe Mutuel – Avenir	Flexible modelPrimaFlex (Flexible model)	124.70	118.90	113.10	107.20	101.40	95.60	89.70
15	Helsana	Family doctor / HMOHelsana BeneFit PLUS General Practitioner R1	124.70	—	—	—	—	95.60	—
			See all	See all	See all	See all	See all	See all	See all

Without accident cover: from 73.80 to 174.50 CHF a month depending on the deductible and the model

128 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 / HMOÖKK CASAMED HMO	106.30	—	95.60	—	84.70	—	73.80
2	Agrisano	TelemedicineAGRIsmart	108.70	—	99.00	94.20	89.50	84.60	79.90
3	ÖKK	Family doctor / HMOÖKK CASAMED GENERAL PRACTITIONER	108.80	—	98.00	—	87.10	—	76.20
4	ÖKK	Flexible modelÖKK CASAMED SELECT	108.80	—	98.00	—	87.10	—	76.20
5	ÖKK	TelemedicineÖKK CASAMED 24	110.50	—	99.70	—	88.90	—	78.00
6	KPT	Family doctor / HMOKPTwin.plus - HMO GP	112.50	—	104.00	—	95.20	—	86.50
7	KPT	TelemedicineKPTwin.smart - GP with app	112.50	—	104.00	—	95.20	—	86.50
8	Agrisano	TelemedicineAGRIcontact	115.00	—	104.80	99.80	94.60	89.50	84.50
9	Sumiswalder Krankenkasse	Family doctor / HMOHMO plus	115.20	110.10	105.20	100.10	95.10	90.20	85.10
10	KPT	Flexible modelKPTwin.win - GP, telemedicine and pharmacy	115.40	—	106.60	—	97.70	—	88.70
11	Agrisano	Family doctor / HMOAGRIeco	115.50	—	105.40	100.20	95.20	90.10	84.90
12	CONCORDIA	Family doctor / HMOHMO	116.00	110.50	105.00	99.50	94.00	88.50	82.90
13	Groupe Mutuel – Avenir	Family doctor / HMOOptiMed (Healthcare network)	116.00	110.60	105.20	99.70	94.30	89.00	83.50
14	Groupe Mutuel – Avenir	Flexible modelPrimaFlex (Flexible model)	116.00	110.60	105.20	99.70	94.30	89.00	83.50
15	Helsana	Family doctor / HMOHelsana BeneFit PLUS General Practitioner R1	116.00	—	—	—	—	89.00	—
			See all	See all	See all	See all	See all	See all	See all

In 2027, for a child aged 0 to 18 in Rüschegg, the cheapest health insurance premium is:

Without accident cover: 106.30 CHF a month with a 0 CHF deductible (ÖKK, ÖKK CASAMED HMO), 73.80 CHF with a 600 CHF deductible (ÖKK, ÖKK CASAMED HMO).
With accident cover: 114.30 CHF a month with a 0 CHF deductible (ÖKK, ÖKK CASAMED HMO), 79.30 CHF with a 600 CHF deductible (ÖKK, ÖKK CASAMED HMO).

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

Deductible of 0 CHF114.30 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 100 CHF116.90 CHFCONCORDIAFamily doctor / HMOHMO
Deductible of 200 CHF102.70 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 300 CHF99.20 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 400 CHF91.00 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 500 CHF89.10 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 600 CHF79.30 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO

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

Deductible of 0 CHF106.30 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 100 CHF110.10 CHFSumiswalder KrankenkasseFamily doctor / HMOHMO plus
Deductible of 200 CHF95.60 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 300 CHF94.20 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 400 CHF84.70 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO
Deductible of 500 CHF84.60 CHFAgrisanoTelemedicineAGRIsmart
Deductible of 600 CHF73.80 CHFÖKKFamily doctor / HMOÖKK CASAMED HMO

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: 29/09/2026

Frequently asked questions

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

In 2027, without accident cover: ÖKK (ÖKK CASAMED HMO) at 106.30 CHF a month with a deductible of 0 CHF, and ÖKK (ÖKK CASAMED HMO) at 73.80 CHF with the 600 CHF deductible. With accident cover: ÖKK (ÖKK CASAMED HMO) at 114.30 CHF, and ÖKK (ÖKK CASAMED HMO) at 79.30 CHF.

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

For a child aged 0 to 18 with ÖKK (ÖKK CASAMED HMO), the premium rises from 106.30 CHF a month without accident cover to 114.30 CHF with accident cover, at the 0 CHF deductible: 8.00 CHF a month, 96.00 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.

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.