# Health insurance premiums 2027 in Berg (SG), for a child aged 0 to 18, deductible of 400 CHF, with accident cover

_Compulsory basic health insurance (KVG/LAMal) · child (0 to 18) · with accident cover · monthly premiums in CHF_

In [Berg](https://praemiencheck.onedoc.ch/en/sg/berg/) ([canton St. Gallen](https://praemiencheck.onedoc.ch/en/sg/)), in 2027, for [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/berg/child/) with a 400 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/), the cheapest monthly basic insurance premium is **72.15 CHF** with **Agrisano** (AGRIsmart model) and the most expensive is 151.95 CHF with Sympany (Standard model).

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF | Change since 2026 (400 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIsmart | 92.35 | — | 82.15 | 77.15 | 72.15 | 67.05 | 62.05 | +6.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED HMO | 97.35 | — | 85.75 | — | 74.05 | — | 62.35 | +2.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | FeminaVita | 97.35 | 91.55 | 85.75 | 79.85 | 74.05 | 68.25 | 62.35 | +8.1 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PreventoMed | 97.35 | 91.55 | 85.75 | 79.85 | 74.05 | 68.25 | 62.35 | +8.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | ÖKK CASAMED GENERAL PRACTITIONER | 99.65 | — | 88.05 | — | 76.35 | — | 64.65 | +2.3 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | ÖKK CASAMED SELECT | 99.65 | — | 88.05 | — | 76.35 | — | 64.65 | +2.3 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | AGRIcontact | 97.95 | — | 87.25 | 81.95 | 76.55 | 71.15 | 65.85 | +7.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | AGRIeco | 98.45 | — | 87.75 | 82.35 | 77.05 | 71.65 | 66.25 | +5.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | QualiMed | 100.95 | 95.15 | 89.35 | 83.45 | 77.65 | 71.85 | 65.95 | +7.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | ÖKK CASAMED 24 | 101.35 | — | 89.75 | — | 78.05 | — | 66.35 | +2.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 103.65 | 97.85 | 92.05 | 86.15 | 80.35 | 74.55 | 68.65 | +3.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PharMed | 104.05 | 98.25 | 92.45 | 86.55 | 80.75 | 74.95 | 69.05 | +7.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 104.65 | 98.85 | 93.05 | 87.15 | 81.35 | 75.55 | 69.65 | +7.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.smart - GP with app | 100.25 | — | 91.05 | — | 81.65 | — | 72.25 | +4.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Hausarztversicherung Profit | 105.45 | 99.65 | 93.85 | 87.95 | 82.15 | — | 70.45 | +9.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | smartDoc | 105.55 | 99.75 | 93.95 | 88.05 | 82.25 | 76.45 | 70.55 | +3.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | MediTel | 105.95 | 100.15 | 94.35 | 88.45 | 82.65 | 76.85 | 70.95 | New tariff 2027 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.plus - HMO GP | 101.65 | — | 92.25 | — | 82.75 | — | 73.25 | +4.2 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | glarnermed24 | 106.05 | — | — | 89.35 | 83.85 | 78.35 | 72.75 | −8.6 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 107.45 | — | 95.75 | 89.95 | 84.15 | 78.25 | 72.45 | +5.8 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | MyDoc | 108.05 | 102.25 | 96.45 | 90.55 | 84.75 | 78.95 | 73.05 | +3.1 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | EGK-Care | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | — | −12.2 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | EGK-TelCare | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | 79.35 | — | −12.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Callmed | 109.15 | 103.35 | 97.55 | 91.65 | 85.85 | — | 74.15 | +9.7 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SMARTMED | 106.25 | 101.15 | 96.15 | 91.05 | 85.95 | 78.95 | — | +6.7 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO (health practice) | 109.95 | 104.15 | 98.35 | 92.45 | 86.65 | — | 74.95 | +15.8 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | KPTwin.doc - GP (family doctor) | 106.85 | — | 96.95 | — | 87.05 | — | 77.15 | +4.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor | 109.45 | 104.05 | 98.75 | 93.25 | 87.95 | 82.65 | 77.15 | +4.6 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sumis24Telmed | 109.45 | 104.05 | 98.75 | 93.25 | 87.95 | 82.65 | 77.15 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.25 | — | 99.65 | — | 87.95 | — | 76.25 | +2.2 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CASAMED | 111.35 | 105.55 | 99.75 | 94.05 | 88.05 | 82.25 | — | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | KPTwin.easy - Telemedicine | 108.15 | — | 98.15 | — | 88.15 | — | 78.05 | +4.1 % |
| [Glarner Krankenversicherung](https://www.glkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.85 | — | — | 94.35 | 88.55 | 82.70 | 76.85 | −8.5 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Multimed | 114.75 | 108.95 | 103.15 | 97.25 | 91.45 | — | 79.75 | +9.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | KPTwin.win - GP, telemedicine and pharmacy | 113.45 | — | 102.95 | — | 92.45 | — | 81.95 | +4.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Sparmed | 116.85 | 112.00 | 105.90 | 99.85 | 93.75 | 88.90 | 82.80 | +2.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 118.15 | 112.35 | 106.55 | 100.65 | 94.85 | 89.05 | 83.15 | +7.6 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HMO | 118.45 | 112.65 | 106.85 | — | 95.15 | — | 83.45 | +3.4 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 119.35 | 113.55 | 107.75 | 101.85 | 96.05 | 90.25 | 84.35 | +4.8 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartCare | 120.35 | 114.55 | 108.75 | — | 97.05 | — | 85.35 | +5.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 120.45 | 114.65 | 108.85 | 102.95 | 97.15 | — | 85.45 | +9.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.95 | 116.15 | 110.35 | 104.45 | 98.65 | 92.85 | 86.95 | +3.1 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 122.75 | 116.95 | 111.15 | 105.35 | 99.45 | 93.65 | — | +6.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Basic | 122.85 | 117.05 | 111.20 | 105.35 | 99.55 | 93.70 | 87.85 | +5.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 123.15 | 117.25 | 111.45 | 105.65 | 99.75 | 93.95 | 88.15 | +5.4 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 123.25 | 118.15 | 111.75 | 106.60 | 100.20 | 95.10 | 88.70 | +3.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 1 | 124.15 | 118.35 | 112.50 | 106.65 | 100.85 | 95.00 | 89.15 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 2 | 124.15 | 118.35 | 112.50 | 106.65 | 100.85 | 95.00 | 89.15 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 3 | 124.15 | 118.35 | 112.50 | 106.65 | 100.85 | 95.00 | 89.15 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Family doctor 4 | 124.15 | 118.35 | 112.50 | 106.65 | 100.85 | 95.00 | 89.15 | +5.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelMed Plus | 124.15 | 118.35 | 112.50 | 106.65 | 100.85 | 95.00 | 89.15 | +5.7 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 | — | −9.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SmartMed | 121.35 | 116.35 | 111.35 | 106.25 | 101.55 | 96.25 | 91.25 | +3.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 125.05 | 119.25 | 113.45 | 107.55 | 101.75 | 95.95 | 90.05 | +0.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | MultiAccess | 125.50 | 119.70 | 113.85 | 108.00 | 102.20 | 96.35 | 90.50 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 125.75 | 119.95 | 114.15 | 108.25 | 102.45 | 96.65 | 90.75 | +0.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 126.45 | 120.65 | 114.85 | 108.95 | 103.15 | 97.35 | 91.45 | +0.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 126.45 | 120.65 | 114.85 | 108.95 | 103.15 | 97.35 | 91.45 | +0.7 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | CareMed | 126.55 | 120.75 | 114.95 | — | 103.25 | — | 91.55 | +4.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelFirst | 126.55 | 120.75 | 114.95 | — | 103.25 | — | 91.55 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 126.55 | — | 114.95 | — | 103.25 | — | 91.55 | +4.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 126.65 | 120.85 | 114.95 | 109.15 | 103.35 | 97.45 | 91.65 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 127.95 | 122.15 | 116.25 | 110.45 | 104.65 | 98.75 | 92.95 | +5.4 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 127.95 | 122.15 | 116.25 | 110.45 | 104.65 | 98.75 | 92.95 | +5.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 128.15 | 122.35 | 116.50 | 110.65 | 104.85 | 99.00 | 93.15 | +5.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care | 128.25 | 122.45 | 116.65 | 110.75 | 104.95 | 99.15 | 93.25 | +9.3 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | HomeCare | 127.15 | 121.95 | 116.75 | 111.45 | 106.45 | 100.95 | 95.65 | +3.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 130.05 | 124.15 | 118.35 | 112.55 | 106.65 | 100.85 | 95.05 | +9.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 130.05 | 124.15 | 118.35 | 112.55 | 106.65 | 100.85 | 95.05 | +9.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 130.55 | 124.75 | 118.95 | 113.05 | 107.25 | 101.45 | 95.55 | +12.0 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | TelCare | 128.65 | 123.35 | 118.05 | 112.75 | 107.75 | 102.15 | 96.75 | +3.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 132.05 | 126.25 | 120.45 | 114.55 | 108.75 | 102.95 | 97.05 | +11.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 132.05 | 126.25 | 120.45 | 114.55 | 108.75 | 102.95 | 97.05 | +11.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 132.35 | — | 120.75 | — | 109.05 | — | 97.35 | +8.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Bestcare | 132.35 | — | 120.75 | — | 109.05 | — | 97.35 | +8.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Casa | 132.35 | — | 120.75 | — | 109.05 | — | 97.35 | +8.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Medica | 132.35 | — | 120.75 | — | 109.05 | — | 97.35 | +8.8 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Medpharm | 129.65 | — | 120.75 | — | 109.05 | — | 97.35 | +13.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Favorit Multichoice | 120.75 | — | 116.65 | — | 109.05 | — | 97.35 | +21.5 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Favorit Santé | 131.75 | — | 120.75 | — | 109.05 | — | 97.35 | +11.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Favorit Telmed | 132.35 | — | 120.75 | — | 109.05 | — | 97.35 | +8.8 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | OptiMed (Healthcare network) | 132.95 | 127.15 | 121.35 | 115.45 | 109.65 | 103.85 | 97.95 | +8.1 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | PrimaFlex (Flexible model) | 132.95 | 127.15 | 121.35 | 115.45 | 109.65 | 103.85 | 97.95 | +8.1 % |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 134.05 | 128.35 | 125.05 | 116.55 | 110.75 | 104.95 | 99.05 | +1.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | SanaTel (Telemedicine) | 134.45 | 128.65 | 122.85 | 116.95 | 111.15 | 105.35 | 99.45 | +8.0 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 135.75 | 129.85 | 124.05 | 118.25 | 112.35 | 106.55 | 100.75 | +5.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 136.65 | 130.85 | 125.05 | 119.15 | 113.35 | 107.55 | 101.65 | +11.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Managed Care without capitation | 137.05 | 131.25 | 125.45 | 119.55 | 113.75 | 107.95 | 102.05 | +6.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.15 | 131.35 | 125.45 | 119.65 | 113.85 | 107.95 | 102.15 | +5.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | PrimaCare (Family doctor) | 137.55 | 131.75 | 125.95 | 120.05 | 114.25 | 108.45 | 102.55 | +8.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 137.95 | 132.15 | 126.35 | — | 114.65 | — | 102.95 | +4.1 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 139.45 | 133.65 | 127.85 | 121.95 | 116.15 | 110.35 | 104.45 | +0.7 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 141.85 | 136.05 | 130.25 | 124.35 | 118.85 | 112.75 | 106.85 | +3.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 143.05 | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 143.05 | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Med Direct | 143.05 | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 143.05 | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Doc | 143.05 | 137.25 | 131.35 | 125.55 | 119.75 | 113.85 | 108.05 | +6.8 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 144.55 | 138.65 | 132.85 | 127.05 | 121.15 | 115.35 | 109.55 | +6.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Combi Care | 147.25 | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Med Call | 147.25 | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | +9.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Tel Care | 147.25 | 141.35 | 135.55 | 129.75 | 123.85 | 118.05 | 112.25 | +9.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 148.05 | 142.25 | 136.45 | 130.55 | 124.75 | 118.95 | 113.05 | +11.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 149.05 | 143.25 | 137.45 | 131.55 | 125.75 | 119.95 | 114.05 | +7.9 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hmo | 149.15 | — | 137.45 | — | 125.85 | — | 114.15 | +10.5 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | flexhelp24 | 150.05 | — | 138.35 | — | 126.75 | — | 115.05 | +10.5 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 151.85 | 146.05 | 140.25 | 134.35 | 128.55 | 122.75 | 116.85 | +9.0 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | casamed pharm | 153.65 | — | 141.95 | — | 130.35 | — | 118.65 | +10.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | casamed hausarzt | 154.55 | — | 142.85 | — | 131.25 | — | 119.55 | +10.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | callmed 24 | 154.55 | — | 142.85 | — | 131.25 | — | 119.55 | +10.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 175.25 | — | 163.55 | — | 151.95 | — | 140.25 | +10.2 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | sanmed24 | 99.35 | — | — | 81.85 | — | — | 64.35 | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | General practitioner model | 99.65 | — | — | 82.15 | — | — | 64.65 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R1 | 102.75 | — | — | — | — | 73.65 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Flexible model | Helsana BeneFit PLUS Flexmed | 105.25 | — | — | — | — | 76.15 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R2 | 106.55 | — | — | — | — | 77.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana BeneFit PLUS Telemed | 106.55 | — | — | — | — | 77.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R3 | 109.05 | — | — | — | — | 79.95 | — | — |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 111.15 | — | — | 93.65 | — | — | 76.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Family doctor / HMO | Helsana BeneFit PLUS General Practitioner R4 | 111.55 | — | — | — | — | 82.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Telemedicine | Helsana Premed-24 | 111.55 | — | — | — | — | 82.45 | — | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2027) | Standard model | Standard model * | 121.75 | — | — | — | — | 92.65 | — | — |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Berg for a child aged 0 to 18 with a deductible of 400 CHF, with accident cover?

In 2027, [with accident cover](https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/), the cheapest offer in [Berg](https://praemiencheck.onedoc.ch/en/sg/berg/) is Agrisano (AGRIsmart) at 72.15 CHF a month.

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

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/sg/berg/child/) with a deductible of 400 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/), monthly premiums run from 72.15 CHF (Agrisano, AGRIsmart) to 151.95 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: 106.35 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 92.35 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-0/) to 62.05 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-600/): 30.30 CHF less a month, 363.60 CHF a year. The 600 CHF deductible stays worthwhile up to around 404 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 400 CHF and with accident cover, the cheapest premium per model is: standard model 84.15 CHF (Agrisano), family doctor / HMO 74.05 CHF (ÖKK), flexible model 74.05 CHF (Assura), telemedicine 72.15 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 2027. 14 of the 25 insurers present in Berg file a reduced premium from a certain number of children insured with them, at a 400 CHF deductible and with accident cover:

| Insurer | Model | 1st child | Reduced premium |
| --- | --- | --- | --- |
| Agrisano | AGRIsmart | 72.15 CHF | 22.25 CHF from the 3rd child |
| CONCORDIA | HMO | 80.35 CHF | 30.05 CHF from the 3rd child |
| Visana | Managed Care | 104.95 CHF | 30.45 CHF from the 3rd child |
| sana24 | Managed Care | 103.35 CHF | 31.95 CHF from the 3rd child |
| SWICA | Standard model | 109.05 CHF | 32.35 CHF from the 3rd child |
| Galenos | Tel Doc | 99.75 CHF | 32.55 CHF from the 3rd child |
| Aquilana | SMARTMED | 85.95 CHF | 40.65 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 87.95 CHF | 41.65 CHF from the 3rd child |
| Assura | FeminaVita | 74.05 CHF | 72.45 CHF from the 4th child, 70.95 CHF from the 5th child |
| Groupe Mutuel – Mutuel | OptiMed (Healthcare network) | 101.75 CHF | 75.15 CHF from the 5th child |
| EGK | EGK-Care | 85.15 CHF | 75.45 CHF from the 3rd child |
| Groupe Mutuel – Philos | PrimaFlex (Flexible model) | 107.25 CHF | 79.25 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed (Healthcare network) | 109.65 CHF | 81.05 CHF from the 5th child |
| SLKK | SmartMed | 101.55 CHF | 88.95 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 2027 every insured person in Switzerland receives 57.00 CHF, which their insurer deducts from the premium invoices: 4.75 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 76.90 CHF at Agrisano (AGRIsmart) gives 72.15 CHF after redistribution.

### 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.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Berg is in region 2 of canton St. Gallen.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2027 basic health insurance premiums, version 29/09/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 29/09/2026. Valid from 01.01.2027 to 31.12.2027. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-0/

## Related pages

- Health insurance premiums 2027 in Berg (SG): every situation: https://praemiencheck.onedoc.ch/en/sg/berg/
- Premiums 2027 in Berg (SG), child: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/sg/berg/child/
- Premiums 2027 in Berg (SG), child, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/
- Young adult: https://praemiencheck.onedoc.ch/en/sg/berg/young-adult/
- Adult: https://praemiencheck.onedoc.ch/en/sg/berg/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/no-accident/deductible-400/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 0 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-0/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 100 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-100/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 200 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-200/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-300/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-500/
- Deductible Premiums 2027 in Berg (SG), child, deductible of 600 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-600/

Address of this page: praemiencheck.onedoc.ch/en/sg/berg/child/with-accident/deductible-0/ — replace `sg` with your canton’s two-letter code (ge, vd, zh…), `berg` with your municipality, `child` with `young-adult` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-400` with `deductible-600` for another deductible. Markdown version: add `.md`.