# Health insurance premiums 2026 in Balerna (TI), for an adult aged 26 or over with accident cover

In 2026, for an adult aged 26 or over in Balerna, with accident cover, the cheapest health insurance premium is:

- **578.75 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **468.45 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-2500/) (Agrisano, AGRIsmart)

## With accident cover: from 468.45 to 821.35 CHF a month depending on the deductible and the model

104 offers from 21 health insurers. With a deductible of 300 CHF, the cheapest is **578.75 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 821.35 CHF with SWICA (Standard model).

Lowest premium:
- 300 CHF: 578.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-300/
- 500 CHF: 568.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-500/
- 1'000 CHF: 543.75 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-1000/
- 1'500 CHF: 518.55 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-1500/
- 2'000 CHF: 493.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-2000/
- 2'500 CHF: 468.45 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-2500/

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF |
|---|---|---|---:|---:|---:|---:|---:|---:|
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIsmart | 578.75 | 568.75 | 543.75 | 518.55 | 493.45 | 468.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 588.65 | 577.05 | 559.75 | 530.55 | 513.25 | 484.05 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 601.85 | 591.85 | 566.45 | 541.15 | 515.75 | 481.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 608.15 | 596.55 | 567.35 | 538.15 | — | 479.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 608.15 | 596.55 | 567.35 | 538.15 | — | 479.85 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 608.25 | 596.65 | 567.45 | 538.25 | 509.15 | 479.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 609.35 | 598.75 | 572.45 | 545.95 | 519.55 | 493.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 612.65 | 601.05 | 571.85 | 542.65 | 513.55 | 484.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 616.05 | 604.45 | 575.25 | 546.05 | 516.95 | 487.75 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 619.15 | 607.55 | 578.35 | 549.15 | 520.05 | 490.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 619.55 | 608.75 | 581.95 | 555.15 | 528.25 | 501.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 619.65 | 608.05 | 578.85 | 549.65 | 520.55 | 491.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 623.95 | 612.35 | 583.15 | 553.95 | 524.85 | 495.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 624.85 | 613.25 | 584.05 | 554.85 | 525.75 | 496.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 624.85 | 613.25 | 584.05 | 554.85 | 525.75 | 496.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 624.85 | 613.25 | 584.05 | 554.85 | 525.75 | 496.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 626.80 | 615.20 | 586.00 | 556.80 | 527.70 | 498.50 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 627.75 | 616.15 | 586.95 | 557.75 | 528.65 | 499.45 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 627.75 | 616.15 | 586.95 | 557.75 | 528.65 | 499.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 631.05 | 619.45 | 590.25 | 561.05 | 531.95 | 502.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 631.45 | 619.85 | 590.65 | 561.45 | 532.35 | 503.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 631.45 | 619.85 | 590.65 | 561.45 | 532.35 | 503.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 632.65 | 621.05 | 591.85 | 562.65 | 533.55 | 504.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 634.65 | 623.05 | 593.85 | 564.65 | 535.55 | 506.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 635.75 | 624.15 | 594.95 | 565.75 | 536.65 | 507.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 637.15 | 625.55 | 596.35 | 567.15 | 538.05 | 508.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 638.55 | 626.95 | 597.75 | 568.55 | — | 510.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 638.95 | 627.35 | 598.15 | 568.95 | 539.85 | 510.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 640.65 | 628.95 | 599.75 | 570.65 | 541.45 | 512.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 640.95 | 629.35 | 600.15 | 570.95 | 541.85 | 512.65 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 644.55 | 632.95 | 603.75 | 574.55 | — | 516.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 645.65 | 633.95 | 604.85 | 575.65 | 546.45 | 517.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 645.85 | 634.25 | 605.05 | 575.85 | 546.75 | 517.55 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 649.65 | 638.05 | 608.85 | 579.65 | 550.55 | 521.35 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 650.65 | 639.05 | 609.85 | 580.65 | — | 522.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 653.95 | 642.35 | 613.15 | 583.95 | 554.85 | 525.65 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 653.95 | 642.35 | 613.15 | 583.95 | 554.85 | 525.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 654.35 | 642.65 | 613.55 | 584.35 | 555.15 | 526.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 654.35 | 642.65 | 613.55 | 584.35 | 555.15 | 526.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 654.55 | 642.95 | 613.75 | 584.55 | 555.45 | 526.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 655.35 | 644.35 | 616.85 | 588.85 | 561.25 | 533.75 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 655.95 | 644.35 | 615.15 | 585.95 | 556.85 | 527.65 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 656.75 | 645.15 | 615.95 | 586.75 | 557.65 | 528.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 659.25 | 647.75 | 618.75 | 589.25 | 560.25 | 531.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 663.15 | 651.55 | 622.35 | 593.15 | 564.05 | 534.85 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 664.25 | 652.65 | 623.45 | 594.25 | 565.15 | 535.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 664.35 | 652.65 | 631.75 | 602.65 | 565.15 | 536.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 665.55 | 653.95 | 624.75 | 595.55 | 566.45 | 537.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 669.55 | 657.85 | 628.65 | 599.55 | 570.35 | 541.15 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 670.40 | 658.80 | 629.60 | 600.40 | 571.30 | 542.10 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 670.40 | 658.80 | 629.60 | 600.40 | 571.30 | 542.10 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 670.45 | 658.85 | 629.65 | 600.45 | 571.35 | 542.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 672.95 | 661.35 | 632.15 | 602.95 | 573.85 | 544.65 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 673.85 | 662.15 | 633.05 | 603.85 | 574.65 | 545.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 675.65 | 664.05 | 634.85 | 605.65 | 576.55 | 547.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 676.35 | 664.75 | 635.55 | 606.35 | 577.25 | 548.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 677.05 | 665.45 | 636.25 | 607.05 | 577.95 | 548.75 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 677.05 | 665.45 | 636.25 | 607.05 | 577.95 | 548.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 677.75 | 666.05 | 636.85 | 607.75 | 578.55 | 549.35 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 678.45 | 666.95 | 637.95 | 608.45 | 579.45 | 550.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 678.65 | 671.95 | 637.75 | 608.65 | 579.45 | 550.25 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 679.25 | 668.25 | 640.75 | 612.75 | 585.15 | 557.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 679.95 | 668.25 | 639.05 | 609.95 | 580.75 | 551.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 683.15 | 671.65 | 642.65 | 613.15 | 584.15 | 555.15 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 683.85 | 672.25 | 643.05 | 613.85 | 584.75 | 555.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 684.25 | 673.25 | 645.75 | 617.75 | 590.15 | 562.65 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 686.25 | 674.75 | 645.75 | 616.25 | 587.25 | 558.25 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 687.15 | 675.45 | 646.35 | 617.15 | 587.95 | 558.85 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 690.95 | 679.45 | 650.45 | 620.95 | 591.95 | 562.95 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 692.45 | 680.85 | 651.65 | 622.55 | 593.35 | 564.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 692.55 | 680.85 | 651.75 | 622.55 | 593.35 | 564.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 693.55 | 681.95 | 652.75 | 623.55 | 594.45 | 565.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 693.55 | 681.95 | 652.75 | 623.55 | 594.45 | 565.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 697.75 | 686.25 | 657.25 | 627.75 | 598.75 | 569.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 707.35 | 695.75 | 666.55 | 637.35 | 608.25 | 579.05 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 707.35 | 695.75 | 666.55 | 637.35 | 608.25 | 579.05 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 711.85 | 703.25 | 676.00 | 647.30 | 618.65 | 589.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 713.95 | 702.25 | 681.35 | 652.25 | 614.75 | 585.65 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 716.35 | 709.65 | 675.45 | 646.35 | 617.15 | 587.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 716.35 | 709.65 | 675.45 | 646.35 | 617.15 | 587.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 716.35 | 709.65 | 675.45 | 646.35 | 617.15 | 587.95 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 720.75 | 709.15 | 679.95 | 650.75 | 621.65 | 592.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 721.25 | 709.65 | 680.45 | 651.25 | 622.15 | 592.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 726.45 | 714.85 | 685.65 | 656.45 | 627.35 | 598.15 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 727.85 | 716.25 | 687.05 | 657.85 | 628.75 | 599.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 729.45 | 717.85 | 688.65 | 659.45 | — | 601.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 729.65 | 717.95 | 688.75 | 659.65 | 630.45 | 601.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 730.25 | 718.65 | 689.45 | 660.25 | 631.15 | 601.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 730.45 | 718.85 | 697.95 | 668.75 | 639.55 | 610.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 732.75 | 726.05 | 691.85 | 662.75 | 633.55 | 604.35 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 735.05 | 723.45 | 694.25 | 665.05 | 635.95 | 606.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 737.05 | 725.35 | 696.25 | 667.05 | 637.85 | 608.75 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 738.85 | 727.25 | 698.05 | 668.85 | 639.75 | 610.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 743.85 | 732.25 | 703.05 | 673.85 | 644.75 | 615.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 752.85 | 741.25 | 712.05 | 682.85 | 653.75 | 624.55 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 755.25 | 743.65 | 722.75 | 693.55 | 664.35 | 635.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 756.45 | 744.85 | 715.65 | 686.45 | 657.35 | 628.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 763.55 | 751.85 | 730.95 | 701.85 | 672.65 | 643.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 767.25 | 755.75 | 726.75 | 697.25 | 668.25 | 639.25 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 767.35 | 755.85 | 726.85 | 697.35 | 668.35 | 639.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 772.55 | 761.05 | 732.05 | 702.55 | 673.55 | 644.55 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 806.45 | 799.75 | 765.65 | 736.45 | 707.25 | 678.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 814.65 | 807.95 | 773.85 | 744.65 | 715.45 | 686.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 821.35 | 809.75 | 780.55 | 751.35 | 722.25 | 693.05 |

104 offers from 21 health insurers.: https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Balerna for an adult aged 26 or over with a deductible of 300 CHF, with accident cover?

In 2026, with accident cover, the cheapest offer in [Balerna](https://praemiencheck.onedoc.ch/en/ti/balerna/) is Agrisano (AGRIsmart) at 578.75 CHF a month.

### How much does health insurance cost in Balerna in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/ti/balerna/adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 578.75 CHF (Agrisano, AGRIsmart) to 821.35 CHF (SWICA, Standard model): 104 offers from 21 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: 582.85 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Balerna for an adult aged 26 or over with accident cover?

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 578.75 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-300/) to 468.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/deductible-2500/): 110.30 CHF less a month, 1'323.60 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'771 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Balerna for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 300 CHF and with accident cover, the cheapest premium per model is: standard model 673.85 CHF (Agrisano), family doctor / HMO 588.65 CHF (sana24), flexible model 612.65 CHF (Assura), telemedicine 578.75 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 583.90 CHF at Agrisano (AGRIsmart) gives 578.75 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/ti/balerna/adult/with-accident/

## Related pages

- With accident cover: from 468.45 to 821.35 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/ti/balerna/adult/with-accident/

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