Health insurance premiums 2026 in Berg (SG)For a child aged 0 to 18 with accident cover
From 56.05 to 160.35 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | |||
| 1 |  Agrisano | AGRIsmart | 87.15 | — | 77.05 | 72.05 | 67.05 | 62.05 | 57.05 |
| 2 |  rhenusana | sanmed24 | 91.05 | — | — | 73.55 | — | — | 56.05 |
| 3 |  Assura | FeminaVita | 91.05 | 85.25 | 79.45 | 73.55 | 67.75 | 61.95 | 57.25 |
| 4 | Assura | PreventoMed | 91.05 | 85.25 | 79.45 | 73.55 | 67.75 | 61.95 | 57.25 |
| 5 | rhenusana | Family doctor | 91.65 | — | — | 74.15 | — | — | 56.65 |
| 6 | Agrisano | AGRIcontact | 91.95 | — | 81.35 | 76.15 | 70.85 | 65.55 | 60.25 |
| 7 | Agrisano | AGRIeco | 93.55 | — | 82.85 | 77.45 | 72.15 | 66.75 | 61.35 |
| 8 | Assura | Qualimed | 94.55 | 88.75 | 82.95 | 77.05 | 71.25 | 65.45 | 59.55 |
| 9 |  ÖKK | HMO model | 95.15 | — | 83.55 | — | 71.85 | — | 60.15 |
| 10 |  KPT | KPTwin.smart | 96.55 | — | 87.15 | — | 77.85 | — | 68.45 |
| 11 |  CSS | HMO (health practice) | 97.05 | 91.25 | 85.45 | 79.55 | 73.75 | — | 62.05 |
| 12 | CSS | Hausarztversicherung Profit | 97.25 | 91.45 | 85.65 | 79.75 | 73.95 | — | 62.25 |
| 13 | ÖKK | Family doctor | 97.45 | — | 85.85 | — | 74.15 | — | 62.45 |
| 14 | ÖKK | Select | 97.45 | — | 85.85 | — | 74.15 | — | 62.45 |
| 15 | Assura | PharMed | 97.45 | 91.65 | 85.85 | 79.95 | 74.15 | 68.35 | 62.45 |
| See all | See all | See all | See all | See all | See all | See all | |||
In 2026, for a child aged 0 to 18 in Berg, with accident cover, the cheapest health insurance premium is:
- 87.15 CHF a month with a 0 CHF deductible (Agrisano, AGRIsmart)
- 56.05 CHF a month with a 600 CHF deductible (rhenusana, sanmed24)
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Frequently asked questions
Which health insurance is the cheapest in Berg for a child aged 0 to 18 with a deductible of 0 CHF, with accident cover?
In 2026, with accident cover, the cheapest offer in Berg is Agrisano (AGRIsmart) at 87.15 CHF a month.
How much does health insurance cost in Berg in 2026 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 87.15 CHF (Agrisano, AGRIsmart) to 160.35 CHF (Sympany, Standard model): 122 offers from 25 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: 100.75 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 0 CHF or 600 CHF better in Berg for a child aged 0 to 18 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 87.15 CHF a month with the 0 CHF deductible to 57.05 CHF with the 600 CHF deductible: 30.10 CHF less a month, 361.20 CHF a year. The 600 CHF deductible stays worthwhile up to around 401 CHF of medical costs a year; above that, the 0 CHF deductible works out cheaper.
Which model is the cheapest in Berg 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 102.15 CHF (Agrisano), family doctor / HMO 91.65 CHF (rhenusana), flexible model 91.05 CHF (Assura), telemedicine 87.15 CHF (Agrisano).
Does a second or third child pay less in Berg?
A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 15 of the 25 insurers present in Berg 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 |
|---|---|---|---|
| rhenusana | sanmed24 | 91.05 CHF | 33.35 CHF from the 3rd child |
| Agrisano | AGRIsmart | 87.15 CHF | 36.85 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 109.35 CHF | 42.65 CHF from the 3rd child |
| sana24 | Managed Care | 119.25 CHF | 42.95 CHF from the 3rd child |
| Galenos | Tel Doc | 117.35 CHF | 44.35 CHF from the 3rd child |
| Visana | Managed Care | 118.55 CHF | 46.65 CHF from the 3rd child |
| Aquilana | SMARTMED | 100.05 CHF | 47.45 CHF from the 3rd child |
| CONCORDIA | HMO | 100.55 CHF | 49.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 104.85 CHF | 49.85 CHF from the 3rd child |
| EGK | EGK-TelCare | 101.05 CHF | 87.25 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex | 118.15 CHF | 87.35 CHF from the 5th child |
| Assura | FeminaVita | 91.05 CHF | 89.65 CHF from the 4th child, 88.05 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed | 123.85 CHF | 91.65 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 123.95 CHF | 91.75 CHF from the 5th child |
| SLKK | SLKK-SmartMed | 117.85 CHF | 105.55 CHF from the 3rd 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 92.30 CHF at Agrisano (AGRIsmart) gives 87.15 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.