# Health insurance premiums 2027 in Schelten (BE), for a child aged 0 to 18, deductible of 300 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Schelten](https://praemiencheck.onedoc.ch/en/be/schelten/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/schelten/child/) with a 300 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/), the cheapest monthly basic insurance premium is **99.20 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 154.30 CHF with rhenusana (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (300 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 114.40 | — | 104.20 | 99.20 | 94.20 | 89.10 | 84.10 | +5.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 121.00 | — | 110.30 | 105.00 | 99.60 | 94.20 | 88.90 | +5.7 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 122.70 | 116.90 | 111.10 | 105.20 | 99.40 | 93.60 | 87.70 | +1.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 121.60 | — | 110.90 | 105.50 | 100.20 | 94.80 | 89.40 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 124.70 | 118.90 | 113.10 | 107.20 | 101.40 | 95.60 | 89.70 | +1.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 124.70 | 118.90 | 113.10 | 107.20 | 101.40 | 95.60 | 89.70 | +1.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO plus | 123.80 | 118.30 | 113.10 | 107.60 | 102.20 | 96.90 | 91.50 | New tariff 2027 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 126.10 | 120.30 | 114.50 | 108.60 | 102.80 | 97.00 | 91.10 | +1.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | VIVA health plan | 123.20 | 117.40 | 114.50 | 108.70 | 105.60 | 99.80 | 94.00 | +8.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 126.30 | 120.50 | 114.70 | 108.80 | 103.00 | 97.20 | 91.30 | +2.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 126.90 | 121.10 | 115.20 | 109.40 | 103.60 | 97.70 | 91.90 | +8.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 127.00 | 121.20 | 115.40 | 109.50 | 103.70 | 97.90 | 92.00 | New tariff 2027 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 127.05 | 121.25 | 115.40 | 109.55 | 103.75 | 97.90 | 92.05 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 127.10 | 121.30 | 115.50 | 109.60 | 103.80 | — | 92.10 | +8.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 126.30 | 120.90 | 115.60 | 110.10 | 104.80 | 99.50 | 94.00 | +6.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 126.30 | 120.90 | 115.60 | 110.10 | 104.80 | 99.50 | 94.00 | +6.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Medcasa | 127.70 | 122.00 | 116.10 | 110.20 | 104.40 | 98.70 | 92.80 | +5.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 128.40 | 122.60 | 116.75 | 110.90 | 105.10 | 99.25 | 93.40 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 128.40 | 122.60 | 116.75 | 110.90 | 105.10 | 99.25 | 93.40 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 128.40 | 122.60 | 116.75 | 110.90 | 105.10 | 99.25 | 93.40 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 128.40 | 122.60 | 116.75 | 110.90 | 105.10 | 99.25 | 93.40 | +3.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 128.40 | 122.60 | 116.75 | 110.90 | 105.10 | 99.25 | 93.40 | New tariff 2027 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 128.50 | 122.70 | 116.90 | 111.00 | 105.20 | — | 93.50 | +7.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 128.90 | 123.10 | 117.30 | 111.40 | 105.60 | 99.80 | 93.90 | +1.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 129.70 | 123.90 | 118.05 | 112.20 | 106.40 | 100.55 | 94.70 | +3.4 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Digimed | 129.80 | 124.00 | 118.20 | 112.30 | 106.50 | 100.70 | 100.70 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 129.90 | 124.10 | 118.30 | 112.40 | 106.60 | 100.80 | 94.90 | +7.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 128.10 | 123.10 | 118.00 | 113.00 | 107.80 | 100.40 | — | +5.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 130.60 | 124.80 | 119.00 | 113.10 | 107.30 | 101.50 | 95.60 | +1.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 130.70 | 124.90 | 119.10 | 113.20 | 107.40 | 101.60 | 95.70 | +7.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 130.90 | 125.00 | 119.20 | 113.40 | 107.50 | 101.70 | 95.90 | +6.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 131.30 | 125.50 | 119.70 | 113.80 | 108.00 | 102.20 | 102.20 | +5.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 131.40 | 125.60 | 119.80 | 113.90 | 108.10 | 102.30 | 96.40 | +7.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 131.60 | 125.80 | 120.00 | 114.10 | 108.30 | — | 96.60 | +13.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 131.90 | 126.10 | 120.30 | 114.40 | 108.60 | 102.80 | 96.90 | +1.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 132.00 | 126.20 | 120.40 | 114.50 | 108.70 | 102.90 | 97.00 | +5.2 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Regiomed | 132.00 | 126.30 | 120.50 | 114.60 | 108.70 | 102.90 | 97.10 | +5.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.20 | — | 120.50 | 114.70 | 108.90 | 103.00 | 97.20 | +4.6 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.35 | 126.55 | 120.70 | 114.85 | 109.05 | 103.20 | 97.35 | +3.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 132.50 | 126.70 | 120.90 | 115.10 | 109.20 | 103.40 | — | +4.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 132.60 | 126.80 | 121.00 | 115.10 | 109.30 | 103.50 | 97.60 | +1.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 131.00 | 125.90 | 120.80 | 115.60 | 110.80 | 105.40 | 100.20 | +6.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 133.20 | 127.40 | 121.50 | 115.70 | 109.90 | 104.00 | 98.20 | +6.4 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 133.30 | 127.50 | 121.70 | 115.80 | 110.00 | 104.20 | 98.30 | +1.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 133.30 | 127.50 | 121.70 | 115.80 | 110.00 | 104.20 | 98.30 | +1.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 133.70 | 127.90 | 122.10 | 116.20 | 110.40 | 104.60 | 98.70 | +7.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 133.90 | 128.00 | 122.20 | 116.40 | 110.50 | 104.70 | 98.90 | +5.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 134.00 | 128.20 | 122.40 | 116.50 | 110.70 | — | 99.00 | +7.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 134.40 | 128.60 | 122.80 | 116.90 | 111.10 | 105.30 | 99.40 | +7.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 134.40 | 128.60 | 122.80 | 116.90 | 111.10 | 105.30 | 99.40 | +7.8 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 134.00 | 128.80 | 123.60 | 118.30 | 113.30 | 107.80 | 102.50 | +6.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 135.50 | 130.20 | 125.00 | 119.60 | 114.60 | 109.00 | 103.70 | +6.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.20 | 131.50 | 125.60 | 119.70 | 113.90 | 108.10 | 102.20 | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 138.40 | 132.60 | 126.80 | 120.90 | 115.10 | 109.30 | — | −9.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 138.40 | 132.60 | 126.80 | 120.90 | 115.10 | 109.30 | — | −9.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 137.80 | 132.30 | 126.80 | 121.25 | 115.75 | 108.85 | 103.35 | +0.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 138.90 | 133.10 | 127.30 | 121.40 | 115.60 | 109.80 | 103.90 | +7.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Casa | 139.10 | 133.30 | 127.50 | 121.60 | 115.80 | 110.00 | 104.10 | +5.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 139.40 | 133.60 | 127.80 | 121.90 | 116.10 | 110.30 | 104.40 | +1.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Telemedicine | 140.10 | 134.25 | 128.45 | 122.60 | 116.75 | 110.95 | 105.10 | +4.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausmed | 141.60 | 135.75 | 129.95 | 124.10 | 118.25 | 112.45 | 106.60 | +4.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 141.90 | 136.10 | 130.30 | 124.40 | 118.60 | 112.80 | 106.90 | +7.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 141.90 | 136.10 | 130.30 | 124.40 | 118.60 | 112.80 | 106.90 | +7.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 142.30 | 136.40 | 130.60 | 124.80 | 118.90 | 113.10 | 107.30 | +4.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 142.30 | 136.40 | 130.60 | 124.80 | 118.90 | 113.10 | 107.30 | +0.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 142.80 | 137.00 | 131.20 | 125.30 | 119.50 | — | 107.80 | +7.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 143.40 | 137.60 | 131.80 | 125.90 | 120.10 | 114.30 | 108.40 | +5.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 143.80 | 138.00 | 132.20 | 126.30 | 120.50 | 114.70 | 108.80 | +0.7 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.20 | 138.40 | 132.60 | 126.70 | 120.90 | 115.10 | 115.10 | +6.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 145.10 | 139.30 | 133.50 | 127.60 | 121.80 | 116.00 | 110.10 | +1.8 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 145.00 | 139.20 | 133.40 | 127.60 | 121.80 | 116.00 | 110.20 | 0.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 145.90 | 140.10 | 134.30 | 128.40 | 122.60 | 116.80 | 110.90 | +4.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 145.90 | 140.10 | 134.30 | 128.40 | 122.60 | 116.80 | 110.90 | +4.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 146.50 | 140.70 | 134.90 | 129.00 | 123.20 | 117.40 | 111.50 | +1.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 146.80 | 141.00 | 135.20 | 129.30 | 123.50 | 117.70 | 111.80 | +4.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 147.20 | 141.40 | 135.60 | 129.80 | 123.90 | 118.10 | — | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 148.40 | 142.60 | 136.80 | 130.90 | 125.10 | 119.30 | 113.40 | +3.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.90 | 143.10 | 137.30 | 131.40 | 125.90 | 119.80 | 113.90 | +6.5 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.05 | 143.20 | 137.40 | 131.55 | 125.70 | 119.90 | 114.05 | +4.5 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.30 | 143.50 | 137.70 | 131.80 | 126.00 | 120.20 | 114.30 | +7.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.00 | 145.20 | 139.40 | 133.50 | 127.70 | 121.90 | 116.00 | +7.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 153.10 | 147.30 | 141.40 | 135.60 | 129.80 | 123.90 | 118.10 | +0.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 154.30 | 148.40 | 142.60 | 136.80 | 130.90 | 125.10 | 119.30 | +3.3 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 156.70 | 150.80 | 145.00 | 139.20 | 133.30 | 127.50 | — | −8.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 157.00 | 151.20 | 145.30 | 139.50 | 133.70 | 127.80 | 122.00 | +0.7 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 158.00 | — | — | 140.50 | — | — | 123.00 | +4.5 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 160.70 | 154.90 | 149.10 | 143.20 | 137.40 | 131.60 | 125.70 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 160.70 | 154.90 | 149.10 | 143.20 | 137.40 | 131.60 | 125.70 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 160.70 | 154.90 | 149.10 | 143.20 | 137.40 | 131.60 | 125.70 | +3.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 162.40 | 156.50 | 150.70 | 144.90 | 139.00 | 133.20 | 127.40 | +3.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 165.70 | — | — | 148.20 | — | — | 130.70 | +4.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 171.70 | — | — | 154.30 | — | — | 136.70 | +4.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 114.30 | — | 102.70 | — | 91.00 | — | 79.30 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 116.90 | — | 105.30 | — | 93.60 | — | 81.90 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 116.90 | — | 105.30 | — | 93.60 | — | 81.90 | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 118.80 | — | 107.20 | — | 95.50 | — | 83.80 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 121.00 | — | 111.80 | — | 102.40 | — | 93.00 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 121.00 | — | 111.80 | — | 102.40 | — | 93.00 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 124.10 | — | 114.60 | — | 105.00 | — | 95.40 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 124.70 | — | — | — | — | 95.60 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 124.70 | — | — | — | — | 95.60 | — | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 125.60 | — | 116.00 | — | 106.20 | — | 96.50 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 126.20 | — | — | — | — | 97.10 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 126.20 | — | — | — | — | 97.10 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 129.10 | — | — | — | — | 100.00 | — | — |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 129.80 | — | 118.20 | — | 106.50 | — | 94.80 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 130.10 | — | 120.10 | — | 110.10 | — | 100.00 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 132.10 | — | — | — | — | 103.00 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 136.60 | — | — | — | — | 107.50 | — | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 141.40 | — | 138.40 | — | 134.60 | — | 122.90 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 146.40 | 140.60 | 134.80 | — | 123.10 | — | 111.40 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 146.90 | — | 143.90 | — | 134.60 | — | 122.90 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.50 | — | — | — | — | 119.40 | — | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 148.60 | 142.80 | 137.00 | — | 125.30 | — | 113.60 | — |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.30 | — | 139.70 | — | 128.00 | — | 116.30 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 152.10 | 146.30 | 140.50 | — | 128.80 | — | 117.10 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 154.70 | 148.90 | 143.10 | — | 131.40 | — | 119.70 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 155.60 | — | 146.30 | — | 134.60 | — | 122.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 157.90 | — | 146.30 | — | 134.60 | — | 122.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 157.90 | — | 146.30 | — | 134.60 | — | 122.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 157.90 | — | 146.30 | — | 134.60 | — | 122.90 | — |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 157.90 | — | 146.30 | — | 134.60 | — | 122.90 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 162.30 | — | 150.60 | — | 138.90 | — | 127.30 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 165.10 | — | 153.40 | — | 141.80 | — | 130.10 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 165.10 | — | 153.40 | — | 141.80 | — | 130.10 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 166.00 | — | 154.40 | — | 142.70 | — | 131.00 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 166.00 | — | 154.40 | — | 142.70 | — | 131.00 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 168.10 | 162.30 | 156.50 | — | 144.80 | — | 133.10 | — |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 187.60 | — | 175.90 | — | 164.30 | — | 152.60 | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Schelten for a child aged 0 to 18 with a deductible of 300 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/), the cheapest offer in [Schelten](https://praemiencheck.onedoc.ch/en/be/schelten/) is Agrisano (AGRIsmart) at 99.20 CHF a month.

### How much does health insurance cost in Schelten in 2027 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/be/schelten/child/) with a deductible of 300 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/), monthly premiums run from 99.20 CHF (Agrisano, AGRIsmart) to 154.30 CHF (rhenusana, 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: 123.90 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Schelten for a child aged 0 to 18 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 114.40 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-0/) to 84.10 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-600/): 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

### Which model is the cheapest in Schelten 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 114.70 CHF (Agrisano), family doctor / HMO 105.20 CHF (CONCORDIA), flexible model 107.20 CHF (Groupe Mutuel – Avenir), telemedicine 99.20 CHF (Agrisano).

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

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 17 of the 26 insurers present in Schelten file a reduced premium from a certain number of children insured with them, at a 300 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Visana | VIVA health plan | 108.70 CHF | 35.30 CHF from the 3rd child |
| Agrisano | AGRIsmart | 99.20 CHF | 38.00 CHF from the 3rd child |
| Galenos | Managed Care | 124.80 CHF | 45.20 CHF from the 3rd child |
| CONCORDIA | HMO | 105.20 CHF | 47.10 CHF from the 3rd child |
| sana24 | Managed Care | 130.90 CHF | 47.20 CHF from the 3rd child |
| sodalis | Digimed | 112.30 CHF | 51.90 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 107.60 CHF | 53.80 CHF from the 3rd child |
| Aquilana | SMARTMED | 113.00 CHF | 56.50 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 110.20 CHF | 60.70 CHF from the 3rd child |
| rhenusana | sanmed24 | 140.50 CHF | 70.30 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 107.20 CHF | 80.40 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 122.60 CHF | 84.60 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 114.40 CHF | 85.80 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 116.20 CHF | 87.10 CHF from the 5th child |
| SLKK | SmartMed | 115.60 CHF | 102.50 CHF from the 3rd child |
| Assura | MediTel | 109.50 CHF | 108.00 CHF from the 4th child, 106.60 CHF from the 5th child |
| EGK | EGK-Care | 120.90 CHF | 109.70 CHF from the 3rd child |

The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.

### 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.

## 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: Schelten 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 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Schelten (BE): every situation: https://praemiencheck.onedoc.ch/en/be/schelten/
- Premiums 2027 in Schelten (BE), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/schelten/child/
- Premiums 2027 in Schelten (BE), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/be/schelten/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/be/schelten/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/no-accident/deductible-300/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-0/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-100/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 400 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-400/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-500/
- Deductible Premiums 2027 in Schelten (BE), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/be/schelten/child/with-accident/deductible-0/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `schelten` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-300` with `deductible-600` for another deductible. Markdown version: add `.md`.