# Health insurance premiums 2026 in Scheuren (BE), for a young adult aged 19 to 25 who wants a deductible of 1'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · without accident cover · monthly premiums in CHF_

In [Scheuren](https://praemiencheck.onedoc.ch/en/be/scheuren/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/) with a 1'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/), the cheapest monthly basic insurance premium is **291.45 CHF** with **Visana** (VIVA – Gesundheitsplan model) and the most expensive is 471.85 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 328.85 | 322.55 | 291.45 | 264.15 | 237.65 | 210.45 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO plus | 330.35 | 324.15 | 292.25 | 264.95 | 237.65 | 210.45 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 334.35 | 323.55 | 296.45 | 269.25 | 242.15 | 222.75 | +5.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 339.75 | 333.45 | 301.55 | 274.35 | 247.05 | 219.75 | +2.7 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 342.05 | 331.25 | 304.15 | 276.95 | 249.95 | 222.75 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 342.05 | 331.25 | 304.15 | 276.95 | 249.95 | 222.75 | +2.9 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 343.65 | 337.35 | 305.45 | 278.25 | 250.95 | 223.65 | +2.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 343.65 | 332.85 | 305.65 | 278.55 | 251.45 | 224.35 | +1.5 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 339.55 | 330.05 | 306.15 | 282.35 | 258.45 | 234.75 | +6.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 347.85 | 337.05 | 309.85 | 282.75 | 255.65 | 228.55 | +2.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 348.55 | 338.05 | 311.75 | 285.15 | 258.35 | 231.35 | +5.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 348.55 | 338.05 | 311.75 | 285.15 | 258.35 | 231.35 | +5.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 350.25 | 344.05 | 312.05 | 284.85 | 257.55 | 230.35 | +2.7 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 350.25 | 339.55 | 312.55 | 285.15 | 258.15 | 231.25 | −0.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 350.65 | 339.85 | 312.65 | 285.55 | 258.45 | 231.35 | +1.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 351.35 | 340.55 | 313.45 | 286.25 | 259.25 | 232.05 | −1.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 352.65 | 341.85 | 314.75 | 287.55 | 260.55 | 233.35 | +3.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 354.75 | 343.95 | 316.75 | 289.65 | 262.55 | 235.35 | +3.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 354.85 | 344.05 | 316.85 | 289.75 | 262.65 | 235.45 | +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 | 355.10 | 344.30 | 317.10 | 289.95 | 262.85 | 235.65 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 355.15 | 344.35 | 317.25 | 290.05 | 262.95 | 235.75 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 357.05 | 350.85 | 318.95 | 291.65 | 264.45 | 237.15 | +2.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 357.55 | 346.75 | 319.65 | 292.45 | 265.35 | 238.25 | −2.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 357.55 | 346.75 | 319.65 | 292.45 | 265.35 | 238.25 | −2.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 358.80 | 348.00 | 320.85 | 293.65 | 266.55 | 239.40 | 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 | 358.80 | 348.00 | 320.85 | 293.65 | 266.55 | 239.40 | 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 | 358.80 | 348.00 | 320.85 | 293.65 | 266.55 | 239.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 359.05 | 348.25 | 321.05 | 293.85 | 266.75 | 239.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 359.05 | 348.25 | 321.05 | 293.85 | 266.75 | 239.55 | New tariff 2026 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 359.55 | 348.75 | 321.65 | 294.45 | 267.35 | 240.25 | +4.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 359.65 | 348.75 | 321.75 | 294.55 | 267.35 | 240.35 | −2.8 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 359.65 | 348.75 | 321.75 | 294.55 | 267.35 | 240.35 | −2.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 357.55 | 347.45 | 322.55 | 297.45 | 272.25 | 247.25 | +5.5 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 360.95 | 350.15 | 322.85 | 295.55 | 268.35 | 244.15 | +6.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 360.95 | 350.15 | 323.05 | 295.85 | 268.75 | 241.65 | +7.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 360.75 | 350.05 | 323.05 | 295.65 | 268.65 | 241.75 | −0.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 362.25 | 351.45 | 324.25 | 297.15 | 270.05 | 242.85 | +1.5 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 363.65 | 352.65 | 324.85 | 297.15 | 269.45 | 241.75 | +6.9 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 363.45 | 352.75 | 325.75 | 298.35 | 271.35 | 244.35 | 0.0 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 365.25 | 354.45 | 327.15 | 299.85 | 272.55 | 248.35 | +1.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 360.85 | 349.95 | 327.15 | 300.05 | 268.65 | 241.45 | −4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 364.95 | 354.25 | 327.25 | 299.85 | 272.85 | 245.95 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 365.85 | 359.65 | 327.75 | 300.45 | 273.15 | 245.95 | +2.7 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 363.55 | 353.35 | 327.95 | 302.35 | 276.95 | 251.45 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 367.65 | 356.95 | 329.95 | 302.55 | 275.55 | 248.65 | 0.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 369.15 | 358.15 | 330.35 | 302.65 | 275.05 | 247.25 | +5.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 363.45 | 354.15 | 330.45 | 305.05 | 281.55 | 255.05 | +6.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 370.35 | 359.35 | 331.75 | 304.15 | 276.65 | 249.15 | +11.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 370.15 | 359.35 | 332.25 | 305.05 | 277.95 | 250.75 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 373.05 | 362.25 | 335.05 | 307.95 | 280.85 | 253.75 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 373.05 | 362.25 | 335.05 | 307.95 | 280.85 | 253.75 | +3.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 373.45 | 362.55 | 335.35 | 308.05 | 280.75 | 253.55 | −10.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 376.15 | 365.35 | 338.15 | 311.05 | 283.95 | 257.65 | +5.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 376.05 | 365.35 | 338.45 | 310.95 | 283.95 | 257.05 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 376.05 | 365.35 | 338.45 | 310.95 | 283.95 | 257.05 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 376.55 | 365.75 | 338.55 | 311.45 | 284.35 | 257.25 | +7.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 378.05 | 367.05 | 339.35 | 311.55 | 283.95 | 256.15 | +5.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Regiomed | 377.65 | 366.75 | 339.45 | 312.15 | 285.05 | 260.75 | +9.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 377.55 | 366.75 | 339.55 | 312.45 | 285.35 | 258.15 | +3.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 377.55 | 366.85 | 339.95 | 312.45 | 285.55 | 258.55 | −0.1 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 379.25 | 368.25 | 340.65 | 313.05 | 285.55 | 257.95 | +11.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 379.25 | 368.45 | 341.35 | 314.15 | 287.15 | 259.95 | +5.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 375.85 | 369.25 | 342.15 | 314.95 | 283.55 | 256.45 | +0.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 380.55 | 369.75 | 342.65 | 315.45 | 288.45 | 261.25 | +2.8 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 381.45 | 375.25 | 343.35 | 316.05 | 288.75 | 261.55 | +2.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 381.95 | 371.15 | 344.05 | 316.85 | 289.85 | 262.65 | +6.7 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 383.35 | 372.55 | 345.45 | 318.25 | 291.15 | 264.05 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 383.35 | 372.55 | 345.45 | 318.25 | 291.15 | 264.05 | +3.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 384.35 | 373.35 | 345.55 | 317.85 | 290.25 | 262.45 | +5.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 385.35 | 379.15 | 347.25 | 319.95 | 292.65 | 265.45 | +2.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 385.75 | 374.85 | 347.65 | 320.35 | 293.15 | 265.85 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 386.35 | 375.55 | 348.35 | 321.25 | 294.15 | 267.05 | +3.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 386.35 | 375.55 | 348.35 | 321.25 | 294.15 | 267.05 | New tariff 2026 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 375.85 | 364.95 | 348.55 | 321.45 | 285.75 | 258.55 | +2.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 386.55 | 375.75 | 348.65 | 321.45 | — | 267.25 | +1.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 386.55 | 375.75 | 348.65 | 321.45 | — | 267.25 | +5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 388.65 | 377.75 | 350.65 | 325.65 | 300.75 | 277.85 | +4.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 389.95 | 379.25 | 352.25 | 324.85 | 297.85 | 270.95 | +5.2 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 390.35 | 379.45 | 353.15 | 329.55 | 305.95 | 269.75 | +7.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 391.85 | 381.05 | 353.85 | 326.75 | 299.65 | 272.55 | −0.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 392.25 | 381.55 | 354.55 | 327.15 | 300.15 | 273.15 | +5.3 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 394.75 | 383.75 | 356.15 | 328.55 | 301.05 | 273.45 | +11.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 394.25 | 383.35 | 356.15 | 328.85 | 301.55 | 274.35 | −4.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 394.45 | 383.75 | 356.75 | 329.35 | 302.35 | 275.45 | +5.2 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 395.65 | 384.55 | 356.85 | 329.15 | 301.45 | 273.75 | +5.5 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 394.85 | 384.05 | 356.95 | 329.75 | 302.65 | 275.55 | +6.5 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 396.75 | 386.05 | 358.85 | 331.65 | — | 277.45 | +3.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 393.05 | 383.45 | 359.25 | 335.15 | 311.05 | 286.85 | +7.6 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 398.45 | 387.65 | 360.35 | 333.05 | 305.85 | 281.65 | +9.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 399.75 | 388.95 | 361.75 | 334.65 | 307.55 | 280.45 | +5.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 400.15 | 389.35 | 362.25 | 335.05 | — | 280.85 | +2.2 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 400.65 | 389.75 | 362.45 | 335.25 | 307.95 | 280.75 | New tariff 2026 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 401.95 | 391.15 | 364.75 | 341.15 | 317.65 | 281.45 | +7.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 403.65 | 392.75 | 365.65 | 340.65 | 315.65 | 292.85 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 403.45 | 392.75 | 365.75 | 338.35 | 311.35 | 284.35 | +5.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 403.75 | 392.95 | 365.75 | 338.65 | 311.55 | 284.45 | +3.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 404.15 | 393.45 | 366.25 | 339.05 | 312.05 | 284.85 | +5.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 402.05 | 392.25 | 367.55 | 342.85 | 318.25 | 293.55 | +7.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 406.95 | 396.15 | 368.95 | 341.85 | — | 287.65 | +3.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 407.05 | 396.15 | 369.05 | 341.95 | 314.85 | 287.65 | −2.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 406.55 | 396.65 | 371.65 | 346.75 | 321.85 | 296.85 | +7.6 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 410.15 | 399.20 | 371.75 | 344.35 | 316.95 | 289.50 | +4.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 409.95 | 399.05 | 371.85 | 344.55 | 317.35 | 290.05 | +1.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 410.95 | 400.15 | 372.85 | 345.55 | 318.35 | 291.05 | +9.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 413.25 | 402.45 | 375.35 | 348.15 | 321.15 | 293.95 | +3.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 414.55 | 403.60 | 376.20 | 348.75 | 321.35 | 293.95 | +3.8 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 415.45 | 404.75 | 377.75 | 350.35 | 323.35 | 296.35 | −0.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 416.05 | 405.35 | 378.45 | 350.95 | 324.05 | 297.05 | 0.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 418.25 | 407.25 | 379.55 | 351.75 | 324.15 | 296.35 | +5.6 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 418.45 | 407.65 | 380.45 | 353.45 | 326.25 | 299.15 | +6.1 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 419.75 | 408.85 | 381.55 | 354.35 | 327.05 | 299.85 | −12.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 422.75 | 411.85 | 384.55 | 357.35 | 330.05 | 302.75 | +1.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 422.85 | 412.05 | 384.95 | 357.75 | 330.65 | 303.55 | +2.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 427.25 | 416.35 | 389.15 | 361.85 | 334.65 | 307.35 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 424.25 | 415.95 | 394.95 | 374.05 | 352.65 | 331.75 | +6.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 436.35 | 425.45 | 398.25 | 370.95 | 343.65 | 316.45 | +1.1 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 436.65 | 425.70 | 398.30 | 370.85 | 343.45 | 316.05 | +4.4 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 438.55 | 427.65 | 400.25 | 372.75 | 345.45 | 317.95 | +7.4 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.15 | 428.15 | 400.55 | 372.95 | 345.45 | 317.95 | +9.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 439.85 | 429.05 | 401.85 | 374.75 | 347.65 | 320.45 | +5.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 443.85 | 433.15 | 406.15 | 378.75 | 351.75 | 324.75 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 445.45 | 434.55 | 407.35 | 380.05 | 352.75 | 325.55 | +1.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 445.25 | 434.55 | 407.65 | 380.15 | 357.85 | 336.45 | +6.6 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 447.35 | 436.45 | 408.95 | 381.55 | 354.15 | 326.75 | +7.6 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 450.05 | 439.15 | 411.85 | 384.55 | 357.35 | 330.05 | +1.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 454.65 | 443.85 | 416.65 | 389.55 | — | 335.35 | +3.3 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 461.55 | 452.25 | 429.45 | 406.75 | 383.95 | 361.15 | +6.5 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 482.10 | 472.35 | 448.00 | 418.75 | 389.50 | 362.25 | +5.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 507.75 | 497.50 | 471.85 | 451.35 | 410.30 | 384.65 | +5.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Scheuren for a young adult aged 19 to 25 with a deductible of 1'000 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/), the cheapest offer in [Scheuren](https://praemiencheck.onedoc.ch/en/be/scheuren/) is Visana (VIVA – Gesundheitsplan) at 291.45 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 332.25 CHF a month.

### How much does health insurance cost in Scheuren in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/) with a deductible of 1'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/), monthly premiums run from 291.45 CHF (Visana, VIVA – Gesundheitsplan) to 471.85 CHF (vita surselva, 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: 310.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Scheuren for a young adult aged 19 to 25 without accident cover?

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 328.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-300/) to 210.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-2500/): 118.40 CHF less a month, 1'420.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'879 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Scheuren for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 1'000 CHF and without accident cover, the cheapest premium per model is: standard model 332.25 CHF (Sanitas), family doctor / HMO 291.45 CHF (Visana), flexible model 304.15 CHF (ÖKK), telemedicine 306.15 CHF (Agrisano).

### 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 296.60 CHF at Visana (VIVA – Gesundheitsplan) gives 291.45 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: Scheuren 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/scheuren/young-adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Scheuren (BE): every situation: https://praemiencheck.onedoc.ch/en/be/scheuren/
- Premiums 2026 in Scheuren (BE), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/
- Premiums 2026 in Scheuren (BE), young adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/scheuren/child/
- Adult: https://praemiencheck.onedoc.ch/en/be/scheuren/adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Scheuren (BE), young adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Scheuren (BE), young adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Scheuren (BE), young adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Scheuren (BE), young adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Scheuren (BE), young adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/scheuren/young-adult/no-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `scheuren` with your municipality, `young-adult` with `child` or `adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.