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129 offersfrom 26 health insurers

Child (0 to 18) · without accident cover · deductible of 100 CHF

Results sorted by ascending monthly premium for the selected criteria.

In Zollikofen (canton Bern), in 2027, for a child aged 0 to 18 with a 100 CHF deductible and without accident cover, the cheapest monthly basic insurance premium is 114.35 CHF with Sanitas (TelMed Basic model) and the most expensive is 168.60 CHF with Atupri (Standard model).

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Frequently asked questions

Which health insurance is the cheapest in Zollikofen for a child aged 0 to 18 with a deductible of 100 CHF, without accident cover?

In 2027, without accident cover, the cheapest offer in Zollikofen is Sanitas (TelMed Basic) at 114.35 CHF a month.

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

For a child aged 0 to 18 with a deductible of 100 CHF and without accident cover, monthly premiums run from 114.35 CHF (Sanitas, TelMed Basic) to 168.60 CHF (Atupri, 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: 137.10 CHF (an FOPH statistic, distinct from the offers above).

Is a deductible of 0 CHF or 600 CHF better in Zollikofen for a child aged 0 to 18 without accident cover?

On the cheapest offer (Sanitas, TelMed Basic), the premium goes from 119.75 CHF a month with the 0 CHF deductible to 87.20 CHF with the 600 CHF deductible: 32.55 CHF less a month, 390.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 434 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.

Which model is the cheapest in Zollikofen 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 100 CHF and without accident cover, the cheapest premium per model is: standard model 119.35 CHF (Sanitas), family doctor / HMO 115.65 CHF (Sanitas), flexible model 116.85 CHF (Sanitas), telemedicine 114.35 CHF (Sanitas).

Does a second or third child pay less in Zollikofen?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2027. 15 of the 26 insurers present in Zollikofen file a reduced premium from a certain number of children insured with them, at a 100 CHF deductible and without accident cover:

InsurerModel1st childReduced premium
VisanaVIVA health plan123.90 CHF48.80 CHF from the 3rd child
sana24Managed Care139.70 CHF54.20 CHF from the 3rd child
GalenosManaged Care144.60 CHF56.10 CHF from the 3rd child
Sumiswalder KrankenkasseHMO plus124.50 CHF62.30 CHF from the 3rd child
CONCORDIAHMO123.80 CHF62.60 CHF from the 3rd child
AquilanaSMARTMED131.80 CHF65.90 CHF from the 3rd child
sodalisDigimed132.10 CHF67.30 CHF from the 3rd child
Krankenkasse SteffisburgMedcasa127.60 CHF70.20 CHF from the 3rd child
Groupe Mutuel – AvenirOptiMed (Healthcare network)123.50 CHF92.60 CHF from the 5th child
Groupe Mutuel – MutuelOptiMed (Healthcare network)127.90 CHF95.90 CHF from the 5th child
Groupe Mutuel – PhilosPrimaFlex (Flexible model)131.20 CHF98.40 CHF from the 5th child
Krankenkasse Luzerner HinterlandTelemedicine149.70 CHF101.80 CHF from the 3rd child
SLKKSmartMed140.10 CHF125.60 CHF from the 3rd child
EGKEGK-Care137.30 CHF126.00 CHF from the 3rd child
AssuraMediTel133.50 CHF131.90 CHF from the 4th child, 130.30 CHF from the 5th 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.