# Health insurance premiums 2026 in Bettlach (SO), for a child aged 0 to 18 with accident cover

In 2026, for a child aged 0 to 18 in Bettlach, with accident cover, the cheapest health insurance premium is:

- **101.85 CHF** a month with a [0 CHF deductible](https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-0/) (Agrisano, AGRIsmart)
- **71.75 CHF** a month with a [600 CHF deductible](https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-600/) (Agrisano, AGRIsmart)

## With accident cover: from 71.75 to 176.05 CHF a month depending on the deductible and the model

126 offers from 25 health insurers. With a deductible of 0 CHF, the cheapest is **101.85 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 176.05 CHF with Sympany (Standard model).

Lowest premium:
- 0 CHF: 101.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-0/
- 100 CHF: 102.65 CHF (CSS, Hausarztversicherung Profit) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-100/
- 200 CHF: 91.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-200/
- 300 CHF: 86.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-300/
- 400 CHF: 81.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-400/
- 500 CHF: 76.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-500/
- 600 CHF: 71.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-600/

| Insurer | Type | Model | 0 CHF | 100 CHF | 200 CHF | 300 CHF | 400 CHF | 500 CHF | 600 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 101.85 | — | 91.75 | 86.75 | 81.75 | 76.75 | 71.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 107.45 | — | 96.85 | 91.55 | 86.35 | 81.05 | 75.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 108.45 | 102.65 | 96.85 | 90.95 | 85.15 | — | 73.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 109.25 | — | 98.55 | 93.15 | 87.85 | 82.45 | 77.05 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 109.75 | 103.95 | 98.15 | 92.25 | 86.45 | 80.65 | 74.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 111.15 | 105.35 | 99.55 | 93.65 | 87.85 | 82.05 | 76.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 111.25 | — | — | — | — | 82.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 111.25 | — | — | — | — | 82.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 111.25 | — | — | — | — | 82.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 111.25 | — | — | — | — | 82.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 111.25 | — | — | — | — | 82.15 | — |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 111.25 | — | — | — | — | 82.15 | — |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 112.05 | 107.05 | 102.05 | 96.95 | 91.85 | 84.65 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 112.55 | 106.75 | 100.95 | 95.05 | 89.25 | 83.45 | 77.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 112.85 | 107.05 | 103.65 | 97.85 | 94.35 | 88.55 | 82.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 113.15 | 107.35 | 101.55 | 95.65 | 89.85 | 84.05 | 78.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 113.65 | 107.75 | 101.95 | 96.15 | 90.25 | 84.45 | 78.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 114.65 | 108.85 | 103.05 | 97.15 | 91.35 | 85.55 | 79.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 114.65 | 108.85 | 103.05 | 97.15 | 91.35 | 85.55 | 79.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 114.85 | — | 105.65 | — | 96.25 | — | 86.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 114.85 | — | 105.65 | — | 96.25 | — | 86.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Hausspital | 115.15 | 109.35 | 103.55 | 97.65 | 91.85 | 86.05 | 80.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 116.15 | 110.35 | 104.55 | 98.65 | 92.85 | — | 81.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 116.55 | — | — | — | — | 87.45 | — |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 117.05 | 111.25 | 105.45 | 99.65 | 93.75 | 88.05 | 82.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 117.35 | 111.55 | 105.75 | 99.95 | 94.05 | 88.25 | — |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 117.35 | 111.55 | 105.75 | 99.85 | 94.05 | 88.25 | 82.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 117.85 | — | — | — | — | 88.75 | — |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 117.95 | 112.85 | 107.75 | 102.55 | 97.75 | 92.35 | 87.15 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 118.05 | 117.15 | 116.15 | 115.15 | 114.15 | 113.15 | — |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 118.75 | 112.95 | 107.15 | 101.25 | 95.45 | 89.65 | 83.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 119.25 | — | 107.55 | 101.75 | 95.95 | 90.05 | 84.25 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 119.75 | 113.95 | 108.15 | 102.25 | 96.45 | 90.65 | 84.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 119.95 | 114.15 | 108.35 | 102.45 | 96.65 | — | 84.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 120.15 | 114.35 | 108.55 | 102.65 | 96.85 | 91.05 | 85.15 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 120.65 | 114.85 | 109.05 | 103.15 | 97.35 | — | 85.65 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 120.75 | 115.55 | 110.35 | 105.05 | 100.05 | 94.55 | 89.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 121.45 | 115.55 | 109.75 | 103.95 | 98.05 | 92.25 | 86.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 121.85 | 116.05 | 110.25 | 104.35 | 98.55 | 92.75 | 86.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 121.85 | 116.05 | 110.25 | 104.35 | 98.55 | 92.75 | 86.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 122.15 | 116.75 | 111.45 | 105.95 | 100.65 | 95.35 | 89.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 122.15 | 116.75 | 111.45 | 105.95 | 100.65 | 95.35 | 89.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 122.15 | 116.85 | 111.65 | 106.25 | 101.25 | 95.65 | 90.35 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 122.35 | 116.55 | 110.75 | 104.85 | 99.05 | 93.35 | 87.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 122.45 | — | 112.65 | — | 102.65 | — | 92.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 122.95 | 122.05 | 121.05 | 120.05 | 119.05 | 118.05 | — |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 123.25 | 117.45 | 111.65 | 105.75 | 99.95 | 94.15 | 88.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 123.25 | 117.45 | 111.65 | 105.75 | 99.95 | 94.15 | 88.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 123.25 | 117.45 | 111.65 | 105.75 | 99.95 | 94.15 | 88.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 123.45 | — | 111.85 | — | 100.15 | — | 88.45 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 123.95 | — | 113.95 | — | 103.95 | — | 93.85 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 124.25 | 118.45 | 112.55 | 106.75 | 100.95 | 95.05 | 89.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 125.85 | 120.05 | 114.25 | 108.35 | 102.55 | 96.75 | 90.85 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 127.15 | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 127.15 | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 127.15 | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 127.15 | 121.35 | 115.55 | 109.65 | 103.85 | 98.05 | 92.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 127.25 | 121.45 | 115.65 | 109.75 | 103.95 | 98.15 | 92.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 127.55 | 121.75 | 115.95 | 110.05 | 104.25 | 98.45 | 92.55 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 127.85 | 122.00 | 116.15 | 110.35 | 104.50 | 98.65 | 92.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 127.85 | — | 116.25 | — | 104.55 | — | 92.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.15 | 122.35 | 116.55 | 110.65 | 104.85 | — | 93.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 128.35 | 122.55 | 116.75 | 110.85 | 105.05 | 99.25 | 93.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 128.35 | 122.55 | 116.75 | 110.85 | 105.05 | 99.25 | 93.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 128.35 | 122.55 | 116.75 | 110.85 | 105.05 | 99.25 | 93.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 | 99.35 | 93.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 128.45 | 122.65 | 116.85 | 110.95 | 105.15 | 99.35 | 93.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 128.55 | 122.75 | 116.95 | 111.05 | 105.25 | 99.45 | 93.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 128.65 | — | — | — | — | 99.55 | — |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.05 | 123.25 | 117.45 | 111.55 | 105.75 | 99.95 | 94.05 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 129.25 | 123.40 | 117.60 | 111.75 | 105.90 | 100.10 | 94.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.45 | 123.65 | 117.85 | 112.05 | 106.15 | 100.35 | — |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 129.85 | 124.05 | 118.25 | 112.35 | 106.55 | 100.75 | 94.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 129.85 | 124.70 | 119.05 | 113.65 | 106.90 | 101.50 | 96.10 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 129.95 | — | 119.55 | — | 108.95 | — | 98.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 130.05 | — | 118.45 | — | 106.75 | — | 95.05 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 131.25 | 125.45 | 119.65 | 113.75 | 107.95 | 102.15 | 96.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 131.55 | — | 119.95 | — | 108.25 | — | 96.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 131.95 | 126.15 | 120.35 | — | 108.65 | — | 96.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 132.35 | 126.55 | 120.75 | 114.85 | 109.05 | 103.25 | 97.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 132.45 | 126.65 | 120.85 | 114.95 | 109.15 | 103.35 | 97.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 132.85 | 127.05 | 121.25 | 115.35 | 109.55 | 103.75 | 97.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 133.05 | — | 124.45 | — | 112.75 | — | 101.05 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 133.15 | 127.35 | 121.55 | 115.65 | 109.85 | 104.05 | 98.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 133.65 | 127.85 | 122.05 | — | 110.35 | — | 98.65 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 134.05 | 128.25 | 122.45 | 116.55 | 110.75 | 104.95 | 99.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 134.75 | 128.95 | 123.15 | 117.25 | 111.75 | 105.65 | 99.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 134.75 | 128.85 | 123.05 | 117.25 | 111.35 | 105.55 | 99.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 134.95 | 129.15 | 123.35 | — | 111.65 | — | 99.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 135.55 | 129.75 | 123.95 | 118.05 | 112.25 | 106.45 | 100.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 135.55 | 129.75 | 123.95 | 118.05 | 112.25 | 106.45 | 100.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 136.35 | 130.55 | 124.75 | — | 113.05 | — | 101.35 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.35 | 130.50 | 124.65 | 118.85 | 113.00 | 107.15 | 101.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 136.85 | — | 128.15 | — | 116.45 | — | 104.75 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 136.95 | 131.15 | 125.35 | 119.45 | 113.65 | 107.85 | 101.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 137.75 | 136.75 | 135.75 | 134.75 | 133.75 | 132.75 | — |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 137.95 | 132.15 | 126.35 | — | 114.65 | — | 102.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 138.25 | 132.45 | 126.65 | 120.75 | 114.95 | 109.15 | 103.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 139.75 | — | — | 122.25 | — | — | 104.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 140.55 | — | 131.85 | — | 120.15 | — | 108.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 141.15 | 135.35 | 129.55 | 123.65 | 117.85 | 112.05 | 106.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 141.15 | 135.35 | 129.55 | 123.65 | 117.85 | 112.05 | 106.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 142.65 | — | 131.05 | — | 119.35 | — | 107.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.45 | — | 131.85 | — | 120.15 | — | 108.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 143.45 | — | 131.85 | — | 120.15 | — | 108.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 143.45 | — | 131.85 | — | 120.15 | — | 108.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 143.45 | — | 131.85 | — | 120.15 | — | 108.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 143.95 | 138.15 | 132.35 | 126.45 | 120.65 | 114.85 | 108.95 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 144.85 | — | 133.25 | — | 121.55 | — | 109.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 144.95 | 139.05 | 133.25 | 127.45 | 121.55 | 115.75 | 109.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 145.05 | 139.25 | 133.45 | 127.55 | 121.75 | 115.95 | 110.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 146.85 | — | — | 129.35 | — | — | 111.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 149.15 | 143.35 | 137.55 | 131.65 | 125.85 | 120.05 | 114.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 150.05 | 144.15 | 138.35 | 132.55 | 126.65 | 120.85 | 115.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 151.55 | — | 139.95 | — | 128.25 | — | 116.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 152.05 | 146.25 | 140.45 | — | 128.75 | — | 117.05 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 152.35 | — | — | 134.85 | — | — | 117.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 152.45 | — | 140.85 | — | 129.15 | — | 117.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 153.35 | — | 141.75 | — | 130.05 | — | 118.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 153.35 | 147.45 | 141.65 | 135.85 | 129.95 | 124.15 | 118.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 153.35 | 147.45 | 141.65 | 135.85 | 129.95 | 124.15 | 118.35 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 153.35 | 147.45 | 141.65 | 135.85 | 129.95 | 124.15 | 118.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 154.25 | — | 142.65 | — | 130.95 | — | 119.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 156.15 | — | 144.45 | — | 132.75 | — | 121.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 159.95 | 154.05 | 148.25 | 142.45 | 136.55 | 130.75 | 124.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 176.05 | — | 164.35 | — | 152.65 | — | 141.05 |

126 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-0/ · All deductibles: https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Bettlach 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 [Bettlach](https://praemiencheck.onedoc.ch/en/so/bettlach/) is Agrisano (AGRIsmart) at 101.85 CHF a month.

### How much does health insurance cost in Bettlach in 2026 for a child aged 0 to 18?

For [a child aged 0 to 18](https://praemiencheck.onedoc.ch/en/so/bettlach/child/) with a deductible of 0 CHF and with accident cover, monthly premiums run from 101.85 CHF (Agrisano, AGRIsmart) to 176.05 CHF (Sympany, Standard model): 126 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: 113.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 0 CHF or 600 CHF better in Bettlach for a child aged 0 to 18 with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 101.85 CHF a month with the [0 CHF deductible](https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-0/) to 71.75 CHF with the [600 CHF deductible](https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/deductible-600/): 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 Bettlach 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 119.25 CHF (Agrisano), family doctor / HMO 108.45 CHF (CSS), flexible model 111.15 CHF (Assura), telemedicine 101.85 CHF (Agrisano).

### Does a second or third child pay less in Bettlach?

A second child pays the same premium as the first: no insurer files a reduced premium for a second child in 2026. 17 of the 25 insurers present in Bettlach 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 | 101.85 CHF | 43.45 CHF from the 3rd child |
| Visana | VIVA – Gesundheitsplan | 112.85 CHF | 44.25 CHF from the 3rd child |
| Galenos | Managed Care | 132.35 CHF | 50.15 CHF from the 3rd child |
| SWICA | FAVORIT MULTICHOICE | 133.05 CHF | 52.45 CHF from the 3rd child |
| sana24 | Managed Care | 144.95 CHF | 52.85 CHF from the 3rd child |
| Aquilana | SMARTMED | 112.05 CHF | 53.45 CHF from the 3rd child |
| CONCORDIA | HMO | 112.55 CHF | 55.85 CHF from the 3rd child |
| Sumiswalder Krankenkasse | Family doctor | 122.15 CHF | 58.55 CHF from the 3rd child |
| rhenusana | sanmed24 | 139.75 CHF | 67.35 CHF from the 3rd child |
| Krankenkasse Steffisburg | Medcasa | 117.05 CHF | 68.25 CHF from the 3rd child |
| Groupe Mutuel – Mutuel | SanaTel | 114.65 CHF | 84.65 CHF from the 5th child |
| Krankenkasse Luzerner Hinterland | Telemedicine | 127.85 CHF | 85.30 CHF from the 3rd child |
| Groupe Mutuel – Philos | OptiMed | 123.25 CHF | 91.15 CHF from the 5th child |
| Groupe Mutuel – Avenir | OptiMed | 128.35 CHF | 94.95 CHF from the 5th child |
| EGK | EGK-TelCare | 118.05 CHF | 102.15 CHF from the 3rd child |
| SLKK | SLKK-SmartMed | 117.95 CHF | 105.65 CHF from the 3rd child |
| Assura | PharMed | 109.75 CHF | 108.05 CHF from the 4th child, 106.35 CHF from the 5th 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 107.00 CHF at Agrisano (AGRIsmart) gives 101.85 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.

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/

## Related pages

- With accident cover: from 71.75 to 176.05 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/

Address of this page: praemiencheck.onedoc.ch/en/so/bettlach/child/with-accident/ — replace `so` with your canton’s two-letter code (ge, vd, zh…) and `bettlach` with your municipality. Markdown version with all the data: add `.md`; JSON: `.json`.