# Health insurance premiums 2026 in Thörigen (BE), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Thörigen, with accident cover, the cheapest health insurance premium is:

- **321.55 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **201.45 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-2500/) (Visana, HMO plus)

## With accident cover: from 201.45 to 476.55 CHF a month depending on the deductible and the model

128 offers from 26 health insurers. With a deductible of 300 CHF, the cheapest is **321.55 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 476.55 CHF with rhenusana (Standard model).

Lowest premium:
- 300 CHF: 321.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-300/
- 500 CHF: 311.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-500/
- 1'000 CHF: 286.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 259.85 CHF (Visana, HMO plus) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 230.65 CHF (Visana, HMO plus) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 201.45 CHF (Visana, HMO plus) — https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 321.55 | 311.55 | 286.45 | 261.35 | 236.25 | 211.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 325.95 | 319.25 | 293.55 | 264.45 | 242.95 | 213.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO plus | 329.85 | 323.15 | 288.95 | 259.85 | 230.65 | 201.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 338.65 | 328.05 | 301.75 | 275.35 | 248.85 | 222.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 340.65 | 329.05 | 299.85 | 270.65 | 241.55 | 220.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 342.75 | 331.15 | 301.95 | 272.75 | 243.65 | 214.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 343.65 | 337.05 | 302.85 | 273.65 | 244.55 | 215.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 344.35 | 333.55 | 306.85 | 279.95 | 253.05 | 226.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 346.25 | 334.95 | 306.65 | 278.05 | 249.25 | 220.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 346.25 | 334.95 | 306.65 | 278.05 | 249.25 | 220.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 346.40 | 334.80 | 305.60 | 276.40 | 247.30 | 218.10 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 346.45 | 334.85 | 305.65 | 276.45 | 247.35 | 218.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 348.55 | 336.95 | 307.75 | 278.55 | 249.45 | 220.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 348.55 | 336.95 | 307.75 | 278.55 | 249.45 | 220.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 350.05 | 338.45 | 309.25 | 280.05 | 250.95 | 221.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 350.05 | 338.45 | 309.25 | 280.05 | 250.95 | 221.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 350.05 | 338.45 | 309.25 | 280.05 | 250.95 | 221.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 350.15 | 338.55 | 309.35 | 280.15 | 251.05 | 221.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 350.15 | 338.55 | 309.35 | 280.15 | 251.05 | 221.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 351.75 | 345.15 | 310.95 | 281.75 | 252.65 | 223.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 352.15 | 345.45 | 311.35 | 282.15 | 252.95 | 223.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 354.45 | 342.85 | 313.65 | 284.45 | 255.35 | 226.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 356.55 | 349.95 | 315.75 | 286.55 | 257.45 | 228.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 358.25 | 348.15 | 322.75 | 295.65 | 270.45 | 242.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 361.05 | 349.45 | 320.25 | 291.05 | 261.95 | 232.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 363.35 | 356.65 | 322.55 | 293.35 | 264.15 | 235.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 364.35 | 352.85 | 323.85 | 294.35 | 265.35 | 236.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 364.75 | 353.25 | 324.25 | 294.75 | 265.75 | 236.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 365.75 | 354.15 | 324.95 | 295.75 | 266.65 | 237.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 366.55 | 354.95 | 325.75 | 296.55 | 267.45 | 238.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 368.95 | 357.45 | 328.45 | 298.95 | 269.95 | 240.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 369.45 | 357.75 | 328.55 | 299.45 | 270.25 | 241.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 369.45 | 357.75 | 328.55 | 299.45 | 270.25 | 241.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 370.65 | 359.05 | 329.85 | 300.75 | 271.55 | 243.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 370.85 | 359.25 | 330.05 | 300.85 | 271.75 | 242.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 371.05 | 359.45 | 330.25 | 301.05 | 271.95 | 242.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 371.05 | 359.45 | 330.25 | 301.05 | 271.95 | 242.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 371.55 | 359.85 | 330.75 | 301.55 | 272.35 | 243.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 371.55 | 359.85 | 330.75 | 301.55 | 272.35 | 243.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 371.65 | 360.05 | 330.85 | 301.65 | 272.55 | 243.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 372.45 | 360.75 | 331.65 | 302.45 | 273.25 | 244.15 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 373.15 | 361.55 | 332.35 | 303.15 | 274.05 | 248.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 373.85 | 362.25 | 333.05 | 303.85 | 274.75 | 245.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 374.25 | 362.65 | 337.75 | 308.55 | 275.15 | 245.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 374.75 | 363.05 | 333.95 | 304.75 | 275.55 | 246.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 375.35 | 363.75 | 334.55 | 305.35 | 276.25 | 247.05 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 375.35 | 363.85 | 334.85 | 305.35 | 276.35 | 247.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 376.05 | 364.45 | 335.25 | 306.05 | 276.95 | 247.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 376.45 | 364.75 | 346.35 | 317.15 | 279.45 | 250.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 376.75 | 365.15 | 335.95 | 306.75 | 277.85 | 248.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 376.85 | 370.15 | 335.95 | 306.85 | 277.65 | 248.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 377.35 | 365.75 | 336.65 | 307.35 | 278.25 | 252.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 377.45 | 365.95 | 336.95 | 307.45 | 278.45 | 249.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 377.45 | 365.95 | 336.95 | 307.45 | 278.45 | 249.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 377.85 | 366.25 | 337.05 | 307.85 | 278.75 | 249.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 377.95 | 366.25 | 337.05 | 307.95 | 278.75 | 249.55 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 378.55 | 366.95 | 338.95 | 313.85 | 288.75 | 250.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 379.65 | 368.05 | 338.85 | 309.65 | 280.55 | 251.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 379.65 | 368.15 | 339.15 | 309.65 | 280.65 | 251.65 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 380.05 | 368.45 | 339.25 | 310.05 | 280.95 | 251.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 380.65 | 374.05 | 339.85 | 310.65 | 281.55 | 252.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 381.75 | 370.15 | 340.95 | 311.75 | 282.65 | 253.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 386.25 | 374.65 | 345.45 | 316.25 | 287.15 | 257.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 386.25 | 374.65 | 345.45 | 316.25 | 287.15 | 257.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 386.25 | 374.65 | 345.45 | 316.25 | 287.15 | 257.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 386.55 | 374.85 | 345.65 | 316.55 | 287.35 | 258.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 387.15 | 375.45 | 346.35 | 319.35 | 292.25 | 267.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 387.85 | 376.25 | 347.05 | 317.85 | 288.75 | 259.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 388.75 | 377.15 | 347.95 | 318.75 | 289.65 | 260.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 389.35 | 381.95 | 352.75 | 323.55 | 290.15 | 260.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 389.55 | 377.85 | 348.65 | 319.55 | 290.35 | 261.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 390.45 | 378.85 | 349.65 | 320.45 | — | 262.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 390.55 | 378.95 | 349.75 | 320.55 | 291.45 | 262.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 390.75 | 379.15 | 349.95 | 320.75 | 291.65 | 262.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 392.45 | 380.80 | 351.65 | 322.45 | 293.30 | 264.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 392.55 | 380.85 | 351.65 | 322.55 | 293.35 | 264.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 392.85 | 381.35 | 352.35 | 322.85 | 293.85 | 264.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 394.25 | 382.55 | 353.35 | 324.25 | 295.05 | 265.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 395.35 | 383.75 | 354.55 | 325.35 | 296.25 | 267.05 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 395.35 | 383.75 | 354.55 | 325.35 | 296.25 | 267.05 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 396.70 | 385.05 | 355.85 | 326.70 | 297.55 | 268.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 397.15 | 385.55 | 356.35 | 327.15 | — | 268.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 397.55 | 385.95 | 356.75 | 327.55 | 298.45 | 269.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 398.25 | 386.55 | 357.45 | 328.25 | 299.05 | 269.95 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 399.55 | 387.95 | 358.75 | 329.55 | 300.45 | 271.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 401.25 | 389.75 | 360.75 | 331.25 | 302.25 | 273.25 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 402.25 | 390.65 | 362.65 | 337.55 | 312.45 | 273.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 403.45 | 393.25 | 367.55 | 341.85 | 316.25 | 290.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 403.55 | 392.05 | 363.05 | 333.55 | 304.55 | 275.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 403.75 | 392.15 | 362.95 | 333.75 | — | 275.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 403.75 | 392.15 | 362.95 | 333.75 | — | 275.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 404.35 | 392.65 | 363.45 | 336.45 | 309.45 | 284.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 405.85 | 394.35 | 365.35 | 335.85 | 306.85 | 277.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 406.35 | 394.75 | 365.55 | 336.35 | 307.25 | 278.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 406.35 | 394.75 | 365.55 | 336.35 | 307.25 | 278.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 407.05 | 395.35 | 366.15 | 337.05 | 307.85 | 278.65 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 407.15 | 395.55 | 366.35 | 337.15 | 308.05 | 282.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 409.05 | 397.45 | 368.25 | 339.05 | 309.95 | 280.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 410.45 | 398.85 | 369.65 | 340.45 | — | 282.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 411.45 | 399.75 | 370.55 | 341.45 | 312.25 | 283.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 412.45 | 400.85 | 371.65 | 342.55 | 313.35 | 284.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 412.75 | 402.35 | 376.05 | 349.75 | 323.55 | 297.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 413.55 | 401.95 | 372.75 | 343.55 | 314.45 | 285.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 415.05 | 403.55 | 374.55 | 345.05 | 316.05 | 287.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 417.45 | 406.85 | 380.25 | 353.75 | 327.25 | 300.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 417.55 | 406.05 | 377.05 | 347.55 | 318.55 | 289.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 417.85 | 406.20 | 377.00 | 347.85 | 318.70 | 289.50 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 419.85 | 408.25 | 379.05 | 349.85 | 320.85 | 291.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 420.15 | 408.55 | 379.35 | 350.15 | 321.05 | 291.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 420.45 | 408.85 | 379.65 | 350.45 | 321.35 | 292.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 421.95 | 410.25 | 381.15 | 351.95 | 322.75 | 293.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 423.55 | 411.95 | 382.75 | 353.55 | 324.45 | 295.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.95 | 416.35 | 387.15 | 357.95 | 328.85 | 299.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 428.95 | 417.25 | 388.05 | 358.95 | 329.75 | 300.55 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 432.15 | 420.65 | 391.65 | 362.15 | 333.15 | 304.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 432.55 | 420.95 | 391.75 | 362.55 | 333.45 | 304.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 433.35 | 421.65 | 392.45 | 363.35 | 334.15 | 304.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 434.65 | 423.05 | 393.85 | 364.65 | 335.55 | 306.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 438.05 | 429.15 | 406.55 | 384.05 | 361.05 | 338.55 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 438.85 | 427.25 | 398.05 | 368.85 | 339.75 | 310.55 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 448.95 | 439.85 | 417.15 | 389.90 | 362.65 | 335.40 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 450.05 | 438.45 | 409.25 | 380.05 | 350.95 | 321.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 456.65 | 445.15 | 416.15 | 386.65 | 357.65 | 328.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 457.25 | 445.65 | 416.45 | 387.25 | — | 328.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 459.25 | 447.65 | 418.45 | 389.25 | 360.15 | 330.95 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 459.75 | 448.15 | 419.25 | 389.75 | 365.75 | 342.75 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.85 | 463.30 | 439.40 | 410.70 | 382.05 | 353.35 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 476.55 | 466.55 | 442.05 | 417.55 | 393.15 | 368.55 |

128 offers from 26 health insurers.: https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Thörigen for a young adult aged 19 to 25 with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Thörigen](https://praemiencheck.onedoc.ch/en/be/thorigen/) is Agrisano (AGRIsmart) at 321.55 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 361.05 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 321.55 CHF (Agrisano, AGRIsmart) to 476.55 CHF (rhenusana, 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: 282.65 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Thörigen for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 321.55 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-300/) to 211.25 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/deductible-2500/): 110.30 CHF less a month, 1'323.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'771 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Thörigen 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 300 CHF and with accident cover, the cheapest premium per model is: standard model 361.05 CHF (Sanitas), family doctor / HMO 325.95 CHF (Visana), flexible model 348.55 CHF (ÖKK), telemedicine 321.55 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 326.70 CHF at Agrisano (AGRIsmart) gives 321.55 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.

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/thorigen/young-adult/with-accident/

## Related pages

- With accident cover: from 201.45 to 476.55 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/be/thorigen/young-adult/with-accident/ — replace `be` with your canton’s two-letter code (ge, vd, zh…) and `thorigen` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.