Health insurance premiums 2026 in Berneck (SG)For a young adult aged 19 to 25 with accident cover
From 177.65 to 478.05 CHF a month depending on the deductible and the model
122 offers from 25 health insurers.
| # | Insurer | Model | Deductible | |||||
|---|---|---|---|---|---|---|---|---|
| 300 CHF | 500 CHF | 1'000 CHF | 1'500 CHF | 2'000 CHF | 2'500 CHF | |||
| 1 |  Agrisano | AGRIsmart | 288.05 | 277.95 | 252.95 | 227.85 | 202.75 | 177.65 |
| 2 | Agrisano | AGRIcontact | 303.35 | 292.75 | 266.45 | 240.05 | 213.55 | 187.25 |
| 3 |  Assura | FeminaVita | 303.95 | 292.35 | 263.15 | 233.95 | 204.85 | 195.05 |
| 4 | Assura | PreventoMed | 303.95 | 292.35 | 263.15 | 233.95 | 204.85 | 195.05 |
| 5 |  CSS | Hausarztversicherung Profit | 307.25 | 295.65 | 266.45 | 237.25 | 208.15 | 178.95 |
| 6 | Agrisano | AGRIeco | 308.45 | 297.75 | 270.95 | 244.05 | 217.25 | 190.45 |
| 7 | Assura | Qualimed | 315.05 | 303.45 | 274.25 | 245.05 | 215.95 | 195.05 |
| 8 |  Sanitas | Family doctor 1 | 318.50 | 306.90 | 277.70 | 248.50 | 219.40 | 190.20 |
| 9 | Sanitas | TelMed (Compact One) | 318.65 | 307.05 | 277.85 | 248.65 | 219.55 | 190.35 |
| 10 |  ÖKK | HMO model | 319.05 | 307.45 | 278.25 | 249.05 | 219.95 | 199.05 |
| 11 | Sanitas | Family doctor 2 | 321.90 | 310.30 | 281.10 | 251.90 | 222.80 | 193.60 |
| 12 | Sanitas | Family doctor 3 | 321.90 | 310.30 | 281.10 | 251.90 | 222.80 | 193.60 |
| 13 | Sanitas | Family doctor 4 | 321.90 | 310.30 | 281.10 | 251.90 | 222.80 | 193.60 |
| 14 | Sanitas | MultiAccess | 321.95 | 310.35 | 281.15 | 251.95 | 222.85 | 193.65 |
| 15 | Sanitas | TelMed (CallMed) | 321.95 | 310.35 | 281.15 | 251.95 | 222.85 | 193.65 |
| See all | See all | See all | See all | See all | See all | |||
In 2026, for a young adult aged 19 to 25 in Berneck, with accident cover, the cheapest health insurance premium is:
- 288.05 CHF a month with a 300 CHF deductible (Agrisano, AGRIsmart)
- 177.65 CHF a month with a 2'500 CHF deductible (Agrisano, AGRIsmart)
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Frequently asked questions
Which health insurance is the cheapest in Berneck 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 Berneck is Agrisano (AGRIsmart) at 288.05 CHF a month. The cheapest standard model (free choice of doctor) is CSS (Standard model) at 330.25 CHF a month.
How much does health insurance cost in Berneck in 2026 for a young adult aged 19 to 25?
For a young adult aged 19 to 25 with a deductible of 300 CHF and with accident cover, monthly premiums run from 288.05 CHF (Agrisano, AGRIsmart) to 478.05 CHF (SLKK, 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: 253.45 CHF (an FOPH statistic, distinct from the offers above).
Is a deductible of 300 CHF or 2'500 CHF better in Berneck for a young adult aged 19 to 25 with accident cover?
On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 288.05 CHF a month with the 300 CHF deductible to 177.65 CHF with the 2'500 CHF deductible: 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.
Which model is the cheapest in Berneck 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 330.25 CHF (CSS), family doctor / HMO 307.25 CHF (CSS), flexible model 303.95 CHF (Assura), telemedicine 288.05 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 293.20 CHF at Agrisano (AGRIsmart) gives 288.05 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.