Health insurance premiums 2027 in Utzenstorf (BE)For a child aged 0 to 18 with accident cover
From 79.30 to 187.60 CHF a month depending on the deductible and the model
129 offers from 26 health insurers.
In 2027, for a child aged 0 to 18 in Utzenstorf, with accident cover, the cheapest health insurance premium is:
- 114.30 CHF a month with a 0 CHF deductible (ÖKK, ÖKK CASAMED HMO)
- 79.30 CHF a month with a 600 CHF deductible (ÖKK, ÖKK CASAMED HMO)
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Frequently asked questions
Which health insurance is the cheapest in Utzenstorf for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2027, with accident cover, the cheapest offer in Utzenstorf is ÖKK (ÖKK CASAMED HMO) at 114.30 CHF a month.
How much does health insurance cost in Utzenstorf in 2027 for a child aged 0 to 18?
For a child aged 0 to 18 with a deductible of 0 CHF and with accident cover, monthly premiums run from 114.30 CHF (ÖKK, ÖKK CASAMED HMO) to 187.60 CHF (Sympany, 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 Utzenstorf for a child aged 0 to 18 with accident cover?
On the cheapest offer (ÖKK, ÖKK CASAMED HMO), the premium goes from 114.30 CHF a month with the 0 CHF deductible to 79.30 CHF with the 600 CHF deductible: 35.00 CHF less a month, 420.00 CHF a year. The 600 CHF deductible stays worthwhile up to around 467 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Utzenstorf 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 with accident cover, the cheapest premium per model is: standard model 129.80 CHF (ÖKK), family doctor / HMO 114.30 CHF (ÖKK), flexible model 116.90 CHF (ÖKK), telemedicine 114.40 CHF (Agrisano).
Does a second or third child pay less in Utzenstorf?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 18 of the 26 insurers present in Utzenstorf file a reduced premium from a certain number of children insured with them, at a 0 CHF deductible and with accident cover:
| Insurer | Model | 1st child | Reduced premium |
|---|---|---|---|
| Agrisano | AGRIsmart | 114.40 CHF | 52.00 CHF from the 3rd child |
| Visana | HMO plus | 125.90 CHF | 52.70 CHF from the 3rd child |
| Galenos | Managed Care | 142.30 CHF | 57.20 CHF from the 3rd child |
| sana24 | Managed Care | 148.40 CHF | 59.60 CHF from the 3rd child |
| Sumiswalder Krankenkasse | HMO plus | 123.80 CHF | 61.90 CHF from the 3rd child |
| SWICA | Favorit Multichoice | 141.40 CHF | 62.30 CHF from the 3rd child |
| Aquilana | SMARTMED | 128.10 CHF | 64.10 CHF from the 3rd child |
| CONCORDIA | HMO | 122.70 CHF | 64.60 CHF from the 3rd child |
| sodalis | Digimed | 129.80 CHF | 69.40 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 127.70 CHF | 70.30 CHF from the 3rd child |
| rhenusana | sanmed24 | 158.00 CHF | 79.00 CHF from the 3rd child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 124.70 CHF | 93.60 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 140.10 CHF | 96.65 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 131.90 CHF | 98.90 CHF from the 5th child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 133.70 CHF | 100.30 CHF from the 5th child |
| SLKK | SmartMed | 131.00 CHF | 117.90 CHF from the 3rd child |
| Assura | MediTel | 127.00 CHF | 125.50 CHF from the 4th child, 124.10 CHF from the 5th child |
| EGK | EGK-Care | 138.40 CHF | 127.20 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.
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.