# Health insurance premiums 2026 in Rütschelen (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 [Rütschelen](https://praemiencheck.onedoc.ch/en/be/rutschelen/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/), the cheapest monthly basic insurance premium is **73.25 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 143.55 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 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 93.35 | — | 83.25 | 78.25 | 73.25 | 68.25 | 63.25 | +7.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 99.85 | — | 88.25 | — | 76.55 | — | 64.85 | +7.4 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 98.45 | — | 87.85 | 82.65 | 77.35 | 72.05 | 66.75 | +6.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 100.15 | — | 89.45 | 84.05 | 78.75 | 73.35 | 67.95 | +6.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 102.25 | — | 90.65 | — | 78.95 | — | 67.25 | +4.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 102.25 | — | 90.65 | — | 78.95 | — | 67.25 | +4.2 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 104.05 | — | 92.45 | — | 80.75 | — | 69.05 | +4.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 104.15 | 98.35 | 92.55 | 86.65 | 80.85 | — | 69.15 | +3.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 105.35 | 99.45 | 93.65 | 87.85 | 81.95 | 76.15 | 70.35 | +8.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO plus | 105.85 | 100.05 | 94.15 | 88.35 | 82.55 | 76.65 | 70.85 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 107.05 | 101.25 | 95.45 | 89.55 | 83.75 | 77.95 | 72.05 | New tariff 2026 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 106.15 | 100.65 | 95.45 | 89.65 | 84.15 | 78.15 | 73.15 | +6.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 106.15 | 100.65 | 95.45 | 89.65 | 84.15 | 78.15 | 73.15 | +6.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 107.75 | 101.95 | 96.15 | 90.25 | 84.45 | — | 72.75 | +6.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 107.85 | 102.05 | 96.25 | 90.35 | 84.55 | 78.75 | 72.85 | +12.7 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 108.10 | 102.30 | 96.50 | 90.60 | 84.80 | 79.00 | 73.10 | 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 | 108.10 | 102.30 | 96.50 | 90.60 | 84.80 | 79.00 | 73.10 | 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 | 108.10 | 102.30 | 96.50 | 90.60 | 84.80 | 79.00 | 73.10 | 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 | 108.10 | 102.30 | 96.50 | 90.60 | 84.80 | 79.00 | 73.10 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 108.15 | 102.35 | 96.55 | 90.65 | 84.85 | 79.05 | 73.15 | New tariff 2026 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 109.35 | 103.55 | 97.75 | 91.85 | 86.05 | 80.25 | 80.25 | +9.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 109.35 | 103.55 | 97.75 | 91.85 | 86.05 | 80.25 | 74.35 | New tariff 2026 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 109.35 | — | 97.65 | 91.85 | 86.05 | 80.15 | 74.35 | +6.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 109.65 | 103.85 | 98.05 | 92.15 | 86.35 | 80.55 | 74.65 | +5.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 109.65 | 103.85 | 98.05 | 92.15 | 86.35 | 80.55 | 74.65 | +5.9 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 107.95 | 102.95 | 97.85 | 92.15 | 87.05 | 80.95 | — | +6.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 110.55 | 104.75 | 98.95 | 93.05 | 87.25 | 81.45 | 75.55 | +12.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 105.85 | — | 96.65 | — | 87.25 | — | 77.95 | +4.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 110.65 | 104.85 | 98.95 | 93.15 | 87.35 | 81.45 | 75.65 | +8.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 110.95 | 105.15 | 99.35 | 93.45 | 87.65 | 81.85 | 75.95 | +5.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 111.45 | 105.55 | 99.75 | 93.95 | 88.05 | 82.25 | 76.45 | +8.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 111.65 | 105.85 | 100.05 | 94.25 | 88.35 | 82.55 | — | +6.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 111.65 | 105.85 | 100.05 | 94.15 | 88.35 | 82.55 | 76.65 | −8.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 104.55 | 98.75 | 96.75 | 90.95 | 89.05 | 83.15 | 77.35 | New tariff 2026 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 112.65 | 106.85 | 101.05 | 95.15 | 89.35 | 83.55 | 83.55 | +8.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 112.75 | 106.95 | 101.15 | 95.25 | 89.55 | 83.65 | 77.75 | +11.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 108.65 | — | 99.25 | — | 89.65 | — | 79.95 | +5.7 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 113.55 | 107.75 | 101.95 | 96.05 | 90.25 | 84.45 | 78.55 | +5.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 114.15 | — | 102.55 | — | 90.85 | — | 79.15 | +4.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 114.65 | 108.75 | 102.95 | 97.15 | 91.25 | 85.45 | 79.65 | +8.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 111.45 | — | 101.65 | — | 91.85 | — | 82.15 | +5.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 111.45 | — | 101.65 | — | 91.85 | — | 82.15 | +3.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 115.25 | 109.45 | 103.65 | 97.75 | 91.95 | — | 80.25 | +16.4 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 115.25 | 109.45 | 103.65 | 97.75 | 91.95 | — | 80.25 | +11.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 115.25 | 109.45 | 103.65 | 97.75 | 91.95 | 86.15 | 80.25 | +12.4 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 115.45 | 109.65 | 103.85 | 97.95 | 92.15 | 86.35 | 80.45 | +1.9 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 115.75 | 109.95 | 104.15 | 98.25 | 92.45 | 86.65 | 80.75 | +6.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 115.95 | 110.15 | 104.35 | 98.45 | 92.65 | 86.85 | 80.95 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 116.15 | 110.35 | 104.55 | 98.65 | 92.85 | 87.05 | 81.15 | +3.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 116.65 | 110.85 | 105.05 | 99.15 | 93.35 | 87.55 | 81.65 | +3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 116.65 | 110.85 | 105.05 | 99.15 | 93.35 | 87.55 | 81.65 | +3.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 116.85 | 111.05 | 105.25 | 99.35 | 93.55 | 87.75 | 81.85 | +3.4 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 114.25 | — | 104.25 | — | 94.15 | — | 84.15 | +4.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 114.45 | 109.35 | 104.25 | 99.05 | 94.25 | 88.85 | 83.65 | +17.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 118.05 | 112.25 | 106.45 | 100.55 | 94.85 | 88.95 | 83.05 | +9.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 119.05 | 113.25 | 107.40 | 101.55 | 95.75 | 89.90 | 84.05 | +6.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 117.15 | 111.95 | 106.75 | 101.45 | 96.45 | 90.95 | 85.65 | +17.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 119.85 | 114.05 | 108.25 | 102.35 | 96.55 | 90.75 | 84.85 | +4.6 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 120.25 | 114.45 | 108.65 | 102.75 | 96.95 | — | 85.25 | +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 | 120.40 | 114.55 | 108.70 | 102.90 | 97.05 | 91.20 | 85.40 | +5.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 120.55 | 114.75 | 108.95 | 103.05 | 97.25 | 91.45 | 85.55 | +4.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 120.75 | 114.95 | 109.15 | 103.25 | 97.45 | 91.65 | 85.75 | +3.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 118.55 | 113.25 | 107.95 | 102.65 | 97.55 | 92.05 | 86.65 | +17.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 121.25 | 115.45 | 109.65 | 103.75 | 97.95 | 92.15 | 86.25 | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 121.25 | 115.45 | 109.65 | 103.75 | 97.95 | 92.15 | 86.25 | +4.6 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 121.95 | 116.15 | 110.35 | 104.45 | 98.65 | 92.85 | 86.95 | +13.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 121.95 | 116.15 | 110.25 | 104.45 | 98.65 | 92.75 | 86.95 | −4.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 120.25 | 115.25 | 110.20 | 103.95 | 98.95 | 93.90 | 87.65 | +4.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 | 87.75 | +8.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 123.15 | 117.35 | 111.55 | 105.65 | 99.85 | 94.05 | 88.15 | +5.7 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 123.15 | 117.35 | 111.55 | 105.65 | 99.85 | 94.05 | 94.05 | +8.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 120.45 | — | 111.55 | — | 99.85 | — | 88.15 | +1.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 123.65 | 117.75 | 111.95 | 106.15 | 100.25 | 94.45 | 88.65 | +1.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 124.05 | 118.25 | 112.35 | 106.55 | 100.75 | 94.85 | 89.05 | +8.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 124.65 | 118.85 | 113.05 | 107.25 | 101.35 | 95.55 | — | +6.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 124.85 | 119.05 | 113.15 | 107.35 | 101.55 | 95.65 | 89.85 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.35 | 119.55 | 113.65 | 107.85 | 102.05 | 96.15 | 90.35 | +8.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.85 | 120.05 | 114.25 | 108.35 | 102.55 | 96.75 | 90.85 | +9.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 123.85 | — | 114.95 | — | 103.25 | — | 91.65 | +2.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 126.55 | 120.75 | 114.95 | 109.05 | 103.25 | 97.45 | 91.55 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 126.55 | 120.75 | 114.95 | 109.05 | 103.25 | 97.45 | 91.55 | +3.2 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 127.00 | 121.15 | 115.30 | 109.50 | 103.65 | 97.80 | 92.00 | +6.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 127.25 | 121.35 | 115.55 | 109.75 | 103.85 | 98.05 | 92.25 | −0.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 126.85 | 121.55 | 116.30 | 109.70 | 104.40 | 97.80 | 92.55 | +4.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.55 | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 | +10.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 126.65 | — | 117.65 | — | 106.05 | — | 94.35 | +8.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 129.85 | 124.05 | 118.15 | 112.35 | 106.55 | 100.65 | 94.85 | +1.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 130.75 | 124.95 | 119.15 | 113.25 | 107.75 | 101.65 | 95.75 | +17.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 130.05 | — | 119.75 | — | 108.05 | — | 96.45 | +4.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.65 | 125.85 | 120.05 | 114.15 | 108.35 | 102.55 | 96.65 | +3.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.05 | — | 120.45 | — | 108.75 | — | 97.05 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 132.05 | — | 120.45 | — | 108.75 | — | 97.05 | +3.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 132.05 | — | 120.45 | — | 108.75 | — | 97.05 | +3.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 132.75 | 126.95 | 121.15 | — | 109.45 | — | 97.75 | +7.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.45 | 127.65 | 121.85 | 115.95 | 110.15 | 104.35 | 98.45 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 133.55 | 127.75 | 121.95 | — | 110.25 | — | 98.55 | +6.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.55 | — | 121.95 | — | 110.25 | — | 98.55 | +4.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.75 | 127.95 | 122.15 | 116.25 | 110.45 | 104.65 | 98.75 | +4.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 134.65 | 128.85 | 122.95 | 117.15 | 111.35 | 105.45 | 99.65 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 135.55 | 129.65 | 123.85 | 118.05 | 112.15 | 106.35 | 100.55 | +1.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 135.55 | 129.65 | 123.85 | 118.05 | 112.15 | 106.35 | 100.55 | +1.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 135.55 | 129.65 | 123.85 | 118.05 | 112.15 | 106.35 | 100.55 | +1.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 136.65 | 130.85 | 125.05 | — | 113.35 | — | 101.65 | +6.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.95 | 131.05 | 125.25 | 119.45 | 113.55 | 107.75 | 101.95 | +1.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 117.75 | 116.85 | 115.85 | 114.85 | 113.85 | 112.85 | — | +4.3 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 139.85 | 134.05 | 128.25 | — | 116.55 | — | 104.85 | +6.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | 106.35 | −5.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 122.95 | 122.05 | 121.05 | 120.05 | 119.05 | 118.05 | — | +7.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 146.25 | — | 134.55 | — | 122.95 | — | 111.25 | +17.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 146.25 | — | 134.55 | — | 122.95 | — | 111.25 | +14.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 147.15 | — | 135.45 | — | 123.75 | — | 112.15 | +13.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 147.15 | — | 135.45 | — | 123.75 | — | 112.15 | +13.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 149.65 | — | 138.05 | — | 126.35 | — | 114.65 | +17.4 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 152.45 | 146.65 | 140.85 | — | 129.15 | — | 117.45 | +6.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.65 | 136.65 | 135.65 | 134.65 | 133.65 | 132.65 | — | +3.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 166.85 | — | 155.25 | — | 143.55 | — | 131.85 | +14.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 105.95 | — | — | — | — | 76.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 107.25 | — | — | — | — | 78.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 107.25 | — | — | — | — | 78.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 107.25 | — | — | — | — | 78.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 109.95 | — | — | — | — | 80.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 109.95 | — | — | — | — | 80.85 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 113.85 | — | — | — | — | 84.75 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 115.15 | — | — | — | — | 86.05 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 125.65 | — | — | — | — | 96.55 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 140.75 | — | — | 123.25 | — | — | 105.75 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 147.85 | — | — | 130.35 | — | — | 112.85 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 153.35 | — | — | 135.85 | — | — | 118.35 | — |

\* insurer’s default model

## Frequently asked questions

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

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/), the cheapest offer in [Rütschelen](https://praemiencheck.onedoc.ch/en/be/rutschelen/) is Agrisano (AGRIsmart) at 73.25 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/), monthly premiums run from 73.25 CHF (Agrisano, AGRIsmart) to 143.55 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 Rütschelen 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](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/deductible-0/) to 63.25 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/deductible-600/): 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 Rütschelen 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 86.05 CHF (Agrisano), family doctor / HMO 76.55 CHF (ÖKK), flexible model 78.95 CHF (ÖKK), telemedicine 73.25 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 17 of the 26 insurers present in Rütschelen 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 |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 73.25 CHF | 22.65 CHF from the 3rd child |
| Visana | Tel Doc | 81.95 CHF | 24.25 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 99.85 CHF | 26.95 CHF from the 3rd child |
| Galenos | Managed Care | 98.65 CHF | 31.75 CHF from the 3rd child |
| CONCORDIA | HMO | 84.55 CHF | 32.15 CHF from the 3rd child |
| sana24 | Managed Care | 100.25 CHF | 32.25 CHF from the 3rd child |
| sodalis | Digimed | 86.05 CHF | 36.40 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 84.15 CHF | 39.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 87.05 CHF | 40.95 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 89.55 CHF | 51.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 86.35 CHF | 63.55 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 95.75 CHF | 64.45 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 92.65 CHF | 68.15 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 96.55 CHF | 71.15 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 94.25 CHF | 82.25 CHF from the 3rd child |
| Assura | PharMed | 92.15 CHF | 90.75 CHF from the 4th child, 89.35 CHF from the 5th child |
| EGK | EGK-TelCare | 113.85 CHF | 99.15 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 78.40 CHF at Agrisano (AGRIsmart) gives 73.25 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.

## 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: Rütschelen is in region 3 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/rutschelen/child/with-accident/deductible-0/

## Related pages

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

Address of this page: praemiencheck.onedoc.ch/en/be/rutschelen/child/with-accident/deductible-0/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `rutschelen` 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`.