# Health insurance premiums 2026 in Messen (SO), for a young adult aged 19 to 25 with accident cover

In 2026, for a young adult aged 19 to 25 in Messen, with accident cover, the cheapest health insurance premium is:

- **340.05 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-300/) (Visana, VIVA – Gesundheitsplan)
- **221.65 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-2500/) (Assura, PharMed)

## With accident cover: from 221.65 to 495.55 CHF a month depending on the deductible and the model

126 offers from 25 health insurers. With a deductible of 300 CHF, the cheapest is **340.05 CHF** a month with **Visana** (VIVA – Gesundheitsplan), the most expensive 495.55 CHF with sana24 (Standard model).

Lowest premium:
- 300 CHF: 340.05 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-300/
- 500 CHF: 333.35 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-500/
- 1'000 CHF: 305.45 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 276.25 CHF (Visana, VIVA – Gesundheitsplan) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 250.85 CHF (Assura, PharMed) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 221.65 CHF (Assura, PharMed) — https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 340.05 | 333.35 | 305.45 | 276.25 | 253.25 | 224.15 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 349.75 | 339.75 | 314.65 | 289.55 | 264.45 | 239.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 349.95 | 338.35 | 309.15 | 279.95 | 250.85 | 221.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 352.85 | 346.15 | 312.05 | 282.85 | 253.65 | 224.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 354.15 | 342.55 | 313.35 | 284.15 | 255.05 | 225.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 356.25 | 344.65 | 315.45 | 286.25 | 257.15 | 227.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 360.35 | 348.75 | 319.55 | 290.35 | 261.25 | 232.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 364.15 | 352.65 | 323.65 | 294.15 | 265.15 | 236.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Hausspital | 366.55 | 354.95 | 325.75 | 296.55 | 267.45 | 238.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 367.65 | 356.05 | 326.85 | 297.65 | 268.55 | 239.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 368.35 | 357.75 | 331.45 | 304.95 | 278.55 | 252.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 371.45 | 364.75 | 330.65 | 301.45 | 272.25 | 243.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 371.55 | 361.55 | 336.15 | 310.75 | 285.35 | 253.85 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 372.75 | 361.15 | 331.95 | 302.75 | 273.65 | 244.45 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 374.55 | 363.75 | 336.95 | 310.15 | 283.25 | 256.45 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 375.25 | 363.65 | 334.45 | 305.25 | 276.15 | 246.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 375.65 | 364.05 | 334.85 | 305.65 | 276.55 | 247.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 377.15 | 365.65 | 336.65 | 307.15 | 278.15 | 249.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 377.95 | 366.35 | 337.15 | 307.95 | 278.85 | 249.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 378.05 | 366.45 | 337.25 | 308.05 | 278.95 | 249.75 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 380.45 | 368.85 | 339.65 | 310.45 | 281.35 | 252.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 380.55 | 368.95 | 339.75 | 310.55 | 281.45 | 252.25 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 381.85 | 371.05 | 344.25 | 317.45 | 290.65 | 263.85 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 381.85 | 371.05 | 344.25 | 317.45 | 290.65 | 263.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 381.95 | 370.35 | 341.15 | 311.95 | 282.85 | 253.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 381.95 | 370.35 | 341.15 | 311.95 | 282.85 | 253.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 381.95 | 370.35 | 341.15 | 311.95 | 282.85 | 253.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 381.95 | 370.35 | 341.15 | 311.95 | 282.85 | 253.65 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 382.05 | 370.45 | 341.25 | 312.05 | 282.95 | 253.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 382.05 | 370.45 | 341.25 | 312.05 | 282.95 | 253.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 382.65 | 370.95 | 341.75 | 312.65 | 283.45 | 254.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 383.65 | 372.05 | 342.85 | 313.65 | 284.55 | 255.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 383.85 | 377.15 | 343.05 | 313.85 | 284.65 | 255.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 383.95 | 372.35 | 343.15 | 313.95 | 284.85 | 255.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 384.85 | 373.15 | 344.05 | 314.85 | 285.65 | 256.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 385.75 | 374.15 | 344.95 | 315.75 | 286.65 | 257.45 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 386.55 | 374.95 | 345.75 | 316.55 | 287.45 | 266.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 386.95 | 375.35 | 346.15 | 316.95 | 287.85 | 258.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 387.05 | 375.45 | 346.25 | 317.05 | 287.95 | 258.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 387.15 | 375.55 | 346.35 | 317.15 | 288.05 | 258.85 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 387.15 | 375.55 | 346.35 | 317.15 | 288.05 | 258.85 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 387.65 | 375.95 | 346.75 | 317.65 | 288.45 | 259.25 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 387.85 | 376.25 | 347.05 | 317.85 | 288.75 | 259.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 387.95 | 376.35 | 347.15 | 317.95 | 288.85 | 259.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 387.95 | 381.35 | 347.15 | 317.95 | 288.85 | 259.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 387.95 | 381.35 | 347.15 | 317.95 | 288.85 | 259.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 388.85 | 377.25 | 348.05 | 318.95 | 289.75 | 260.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 389.35 | 377.65 | 348.55 | 319.35 | 290.15 | 261.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 390.25 | 378.75 | 349.75 | 320.25 | 291.25 | 262.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 390.95 | 379.35 | 350.15 | 320.95 | 291.85 | 262.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 391.25 | 379.65 | 350.45 | 321.25 | 292.15 | 262.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 392.25 | 380.65 | 351.45 | 322.25 | 293.15 | 263.95 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 392.35 | 380.85 | 351.85 | 322.35 | 293.35 | 264.35 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 393.85 | 382.15 | 352.95 | 323.85 | 294.65 | 265.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 393.95 | 382.35 | 353.15 | 323.95 | 294.85 | 265.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 394.35 | 382.75 | 353.55 | 324.35 | 295.25 | 266.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 395.45 | 383.85 | 354.65 | 325.45 | 296.45 | 275.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 396.25 | 389.65 | 355.45 | 326.25 | 297.15 | 267.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 399.85 | 388.25 | 359.05 | 329.85 | 300.75 | 271.55 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 399.95 | 388.35 | 359.15 | 329.95 | 300.85 | 279.95 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 401.95 | 390.30 | 361.10 | 331.95 | 302.80 | 273.60 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 406.30 | 394.60 | 365.45 | 336.30 | 307.10 | 277.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.55 | 395.85 | 366.75 | 337.55 | 308.35 | 279.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.75 | 396.15 | 366.95 | 337.75 | 308.65 | 279.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 408.45 | 396.85 | 367.65 | 338.45 | 309.35 | 280.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 408.65 | 402.05 | 367.85 | 338.65 | 309.55 | 280.35 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 411.75 | 400.25 | 371.25 | 341.75 | 312.75 | 283.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 412.75 | 401.15 | 376.55 | 347.45 | 313.65 | 284.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 412.75 | 401.15 | 371.95 | 342.75 | 313.65 | 284.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 412.95 | 401.35 | 372.15 | 342.95 | 313.85 | 284.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 415.45 | 403.85 | 374.65 | 345.45 | 316.35 | 287.15 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 415.45 | 403.85 | 374.65 | 345.45 | 316.35 | 287.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 415.55 | 405.35 | 379.65 | 353.95 | 328.35 | 302.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 416.55 | 405.05 | 376.05 | 346.55 | 317.55 | 288.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 417.45 | 405.75 | 388.15 | 359.05 | 320.55 | 291.45 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 418.45 | 406.85 | 377.65 | 348.45 | 319.35 | 290.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 420.45 | 408.85 | 379.65 | 350.45 | — | 292.15 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 420.45 | 408.85 | 379.65 | 350.45 | — | 292.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 421.35 | 409.85 | 380.85 | 351.35 | 322.35 | 293.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 423.15 | 411.55 | 382.35 | 353.15 | 324.05 | 294.85 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 423.35 | 411.75 | 382.55 | 353.35 | 324.25 | 295.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 425.15 | 414.65 | 388.35 | 362.15 | 335.95 | 309.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 426.65 | 415.05 | 385.85 | 359.05 | 332.15 | 307.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.75 | 416.15 | 386.95 | 357.85 | 328.65 | 299.45 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 427.85 | 416.35 | 387.35 | 357.85 | 328.85 | 299.85 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 427.95 | 416.25 | 387.10 | 357.95 | 328.75 | 299.60 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 429.05 | 421.95 | 392.85 | 363.65 | 329.85 | 300.65 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 429.25 | 417.75 | 388.75 | 359.25 | 330.25 | 301.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 429.85 | 419.35 | 392.75 | 366.15 | 339.75 | 313.15 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 431.55 | 419.95 | 390.75 | 361.55 | 332.45 | 303.25 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 431.65 | 420.05 | 390.85 | 361.65 | 332.55 | 303.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 432.75 | 421.25 | 392.25 | 362.75 | 333.75 | 304.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 435.25 | 426.35 | 403.75 | 381.25 | 358.25 | 335.75 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 435.85 | 424.35 | 395.35 | 365.85 | 336.85 | 307.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 439.05 | 427.45 | 398.25 | 369.05 | — | 310.75 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 439.95 | 428.35 | 399.15 | 369.95 | 340.85 | 311.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 442.65 | 431.15 | 402.15 | 372.65 | 343.65 | 314.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 442.65 | 431.15 | 402.15 | 372.65 | 343.65 | 314.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 442.75 | 431.15 | 401.95 | 372.75 | — | 314.45 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 443.15 | 431.45 | 402.25 | 373.15 | 343.95 | 314.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 444.75 | 433.05 | 403.85 | 374.75 | 345.55 | 316.35 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 444.95 | 433.35 | 404.15 | 374.95 | 345.85 | 316.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 445.25 | 433.65 | 404.45 | 377.55 | 350.75 | 326.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 445.25 | 433.65 | 404.45 | 375.25 | 346.15 | 316.95 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 445.55 | 433.85 | 404.65 | 375.55 | 346.35 | 317.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 449.05 | 437.35 | 408.15 | 379.05 | 349.85 | 320.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 450.55 | 438.85 | 409.65 | 380.55 | 351.35 | 322.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 455.55 | 443.85 | 414.65 | 385.55 | 356.35 | 327.15 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 456.75 | 445.15 | 416.35 | 386.75 | 362.75 | 339.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 457.55 | 445.95 | 416.75 | 387.55 | — | 329.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 459.15 | 447.55 | 418.35 | 389.15 | 360.05 | 330.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 460.45 | 448.85 | 419.65 | 390.45 | 361.35 | 332.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 465.55 | 453.85 | 424.75 | 395.55 | 366.35 | 337.25 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 467.85 | 458.40 | 430.00 | 401.65 | 373.25 | 340.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.95 | 461.35 | 432.15 | 402.95 | 373.85 | 344.65 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 473.45 | 463.45 | 438.95 | 414.45 | 389.95 | 365.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 475.55 | 463.85 | 434.75 | 405.55 | 376.35 | 347.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 476.75 | 465.25 | 436.25 | 406.75 | 377.75 | 348.75 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 489.65 | 478.15 | 449.15 | 419.65 | 390.65 | 361.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 494.75 | 483.15 | 453.95 | 424.75 | — | 366.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 495.55 | 483.85 | 454.75 | 425.55 | 396.35 | 367.25 |

126 offers from 25 health insurers.: https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Messen 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 [Messen](https://praemiencheck.onedoc.ch/en/so/messen/) is Visana (VIVA – Gesundheitsplan) at 340.05 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 393.95 CHF a month.

### How much does health insurance cost in Messen in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/so/messen/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 340.05 CHF (Visana, VIVA – Gesundheitsplan) to 495.55 CHF (sana24, 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: 313.75 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Messen for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 340.05 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-300/) to 224.15 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/deductible-2500/): 115.90 CHF less a month, 1'390.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'845 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Messen 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 393.95 CHF (Sanitas), family doctor / HMO 340.05 CHF (Visana), flexible model 354.15 CHF (Assura), telemedicine 349.75 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 345.20 CHF at Visana (VIVA – Gesundheitsplan) gives 340.05 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.

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/messen/young-adult/with-accident/

## Related pages

- With accident cover: from 221.65 to 495.55 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/so/messen/young-adult/with-accident/

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