Health insurance premiums 2026 in Spiez (BE)For a child aged 0 to 18 without accident cover
From 59.85 to 154.85 CHF a month depending on the deductible and the model
128 offers from 26 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 88.45 | — | 78.85 | 74.05 | 69.35 | 64.55 | 59.85 |
| 2 |  ÖKK | HMO model | 92.55 | — | 81.75 | — | 70.85 | — | 59.95 |
| 3 | Agrisano | AGRIcontact | 93.25 | — | 83.25 | 78.25 | 73.25 | 68.15 | 63.15 |
| 4 | ÖKK | Family doctor | 94.75 | — | 83.95 | — | 73.15 | — | 62.25 |
| 5 | ÖKK | Select | 94.75 | — | 83.95 | — | 73.15 | — | 62.25 |
| 6 | Agrisano | AGRIeco | 94.85 | — | 84.75 | 79.55 | 74.55 | 69.45 | 64.25 |
| 7 | ÖKK | Telemedicine | 96.45 | — | 85.65 | — | 74.75 | — | 63.95 |
| 8 |  CSS | Hausarztversicherung Profit | 96.55 | 91.15 | 85.75 | 80.25 | 74.85 | — | 63.95 |
| 9 |  Visana | VIVA – Gesundheitsplan | 97.35 | 91.95 | 90.15 | 84.65 | 82.85 | 77.45 | 71.95 |
| 10 |  KPT | KPTwin.smart | 98.05 | — | 89.45 | — | 80.75 | — | 72.05 |
| 11 | Visana | Tel Doc | 98.15 | 92.65 | 87.25 | 81.75 | 76.35 | 70.85 | 65.45 |
| 12 |  Helsana | BeneFit PLUS Telmed | 98.25 | — | — | — | — | 71.15 | — |
| 13 |  Sumiswalder Krankenkasse | Family doctor | 98.45 | 93.25 | 88.45 | 83.05 | 77.95 | 72.35 | 67.75 |
| 14 | Sumiswalder Krankenkasse | Telemedicine | 98.45 | 93.25 | 88.45 | 83.05 | 77.95 | 72.35 | 67.75 |
| 15 | Visana | HMO plus | 98.65 | 93.15 | 87.75 | 82.25 | 76.75 | 71.35 | 65.85 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Spiez, without accident cover, the cheapest health insurance premium is:
- 88.45 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 59.85 CHF a month with a 600 CHF deductible (Agrisano, AGRIsmart)
Last modified:
Frequently asked questions
Which health insurance is the cheapest in Spiez for a child aged 0 to 18 with a deductible of 0 CHF, without accident cover?
In 2026, without accident cover, the cheapest offer in Spiez is Agrisano (AGRIsmart) at 88.45 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 103.65 CHF a month.
How much does health insurance cost in Spiez in 2026 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, monthly premiums run from 88.45 CHF (Agrisano, AGRIsmart) to 154.85 CHF (Sympany, Standard model): 128 offers from 26 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 104.05 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Spiez for a child aged 0 to 18 without accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 88.45 CHF a month with the 0 CHF deductible to 59.85 CHF with the 600 CHF deductible: 28.60 CHF less a month, 343.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 381 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Spiez for a child aged 0 to 18: standard, family doctor / HMO, flexible, telemedicine or pharmacy?
For a child aged 0 to 18 with a deductible of 0 CHF and without accident cover, the cheapest premium per model is: standard model 103.65 CHF (Sanitas), family doctor / HMO 92.55 CHF (ÖKK), flexible model 94.75 CHF (ÖKK), telemedicine 88.45 CHF (Agrisano).
Does a second or third child pay less in Spiez?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 18 of the 26 insurers present in Spiez file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and without accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 88.45 CHF | 37.45 CHF from the 3rd child |
| Visana | VIVA – Gesundheitsplan | 97.35 CHF | 37.85 CHF from the 3rd child |
| Galenos | Managed Care | 113.65 CHF | 42.65 CHF from the 3rd child |
| sana24 | Managed Care | 115.25 CHF | 43.25 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 111.65 CHF | 43.55 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 98.45 CHF | 46.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 100.05 CHF | 47.45 CHF from the 3rd child |
| CONCORDIA | HMO | 101.65 CHF | 51.15 CHF from the 3rd child |
| sodalis | Digimed | 102.45 CHF | 55.65 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 105.15 CHF | 61.05 CHF from the 3rd child |
| rhenusana | sanmed24 | 130.55 CHF | 62.75 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed | 101.65 CHF | 74.95 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 111.60 CHF | 75.40 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 107.45 CHF | 79.35 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 111.15 CHF | 82.05 CHF from the 5th child |
| EGK | EGK-TelCare | 109.15 CHF | 95.55 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 107.25 CHF | 96.05 CHF from the 3rd child |
| Assura | PharMed | 107.05 CHF | 105.75 CHF from the 4th child, 104.45 CHF from the 5th child |
The others file none. Each insurer sets the conditions of this discount, usually the whole family insured with it.
Why is the FOPH-approved premium higher than the price shown?
The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 93.60 CHF at Agrisano (AGRIsmart) gives 88.45 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.
Premium source: Federal Office of Public Health (FOPH). This OneDoc service is not an official Confederation website. Free, no sign-up and no payment from health insurers.