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

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

- **401.15 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **289.95 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-2500/) (sodalis, Digimed)

## With accident cover: from 289.95 to 592.75 CHF a month depending on the deductible and the model

128 offers from 28 health insurers. With a deductible of 300 CHF, the cheapest is **401.15 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 592.75 CHF with Groupe Mutuel – Avenir (Standard model).

Lowest premium:
- 300 CHF: 401.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-300/
- 500 CHF: 391.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-500/
- 1'000 CHF: 366.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-1000/
- 1'500 CHF: 340.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-1500/
- 2'000 CHF: 315.85 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-2000/
- 2'500 CHF: 289.95 CHF (sodalis, Digimed) — https://praemiencheck.onedoc.ch/en/vs/niedergesteln/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 | 401.15 | 391.05 | 366.05 | 340.95 | 315.85 | 290.75 |
| [Krankenkasse Visperterminen](https://www.kkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 413.95 | 401.55 | 375.35 | 344.75 | 336.25 | 311.75 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 418.25 | 406.65 | 378.65 | 353.55 | 328.45 | 289.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 422.35 | 411.75 | 385.45 | 359.05 | 332.55 | 306.25 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 423.95 | 413.75 | 388.05 | 362.35 | 336.75 | 311.05 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 424.95 | 413.35 | 384.15 | 354.95 | 325.85 | 296.65 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 426.85 | 415.25 | 386.05 | 356.85 | 327.75 | 298.55 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 426.85 | 415.25 | 386.05 | 356.85 | 327.75 | 298.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 429.15 | 417.45 | 388.25 | 359.15 | 329.95 | 300.75 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 429.45 | 418.65 | 391.95 | 365.05 | 338.15 | 311.45 |
| [Krankenkasse Visperterminen](https://www.kkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medicasa | 430.45 | 418.00 | 391.50 | 366.40 | 340.50 | 324.00 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 431.65 | 419.95 | 390.85 | 361.65 | 332.45 | 303.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 433.35 | 421.75 | 392.55 | 363.35 | 334.25 | 305.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 433.65 | 423.25 | 396.95 | 370.65 | 344.55 | 318.25 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 434.05 | 422.45 | 393.25 | 364.05 | 334.95 | 305.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 435.15 | 423.55 | 394.35 | 365.15 | 336.05 | 306.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 435.15 | 423.55 | 394.35 | 365.15 | 336.05 | 306.85 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 435.15 | 423.55 | 394.35 | 365.15 | 336.05 | 306.85 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 436.65 | 424.95 | 395.85 | 366.65 | 337.45 | 308.35 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medicasa | 437.85 | 426.25 | 397.05 | 367.85 | 348.05 | 309.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 438.55 | 428.05 | 401.45 | 374.85 | 348.35 | 321.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 438.65 | 427.05 | 397.85 | 368.65 | — | 310.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 440.15 | 428.45 | 399.25 | 370.15 | 340.95 | 311.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 440.25 | 428.65 | 399.45 | 370.25 | 341.15 | 311.95 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 441.65 | 430.05 | 400.85 | 371.65 | 342.55 | 313.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 442.05 | 430.45 | 401.25 | 372.05 | 342.95 | 313.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 442.35 | 430.75 | 401.55 | 372.35 | 343.25 | 314.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 442.65 | 431.05 | 401.85 | 372.65 | — | 314.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 443.25 | 431.65 | 402.45 | 373.25 | 344.15 | 314.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 443.25 | 431.55 | 407.55 | 378.35 | 344.05 | 314.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 443.95 | 432.35 | 403.15 | 373.95 | 344.85 | 315.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 443.95 | 432.35 | 403.15 | 373.95 | 344.85 | 315.65 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 444.65 | 433.05 | 403.85 | 374.65 | 345.55 | 316.35 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 444.85 | 433.25 | 404.05 | 374.85 | 345.75 | 316.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Care network (Delta) | 444.85 | 433.25 | 404.05 | 374.85 | 345.75 | 316.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 445.55 | 433.95 | 404.75 | 375.55 | 346.45 | 317.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 445.55 | 433.95 | 404.75 | 375.55 | 346.45 | 317.25 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 446.35 | 434.75 | 406.75 | 381.65 | 356.55 | 318.05 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 446.65 | 435.05 | 405.85 | 376.65 | 347.55 | 318.35 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 447.25 | 435.65 | 406.45 | 377.25 | 348.15 | 318.95 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 448.35 | 436.65 | 412.65 | 383.55 | 349.15 | 320.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 449.95 | 438.35 | 409.15 | 379.95 | 350.85 | 329.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 450.65 | 439.05 | 409.85 | 380.65 | 351.55 | 322.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 450.65 | 439.05 | 409.85 | 380.65 | 351.55 | 322.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 450.85 | 439.25 | 410.05 | 380.85 | 351.75 | 322.55 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 451.35 | 440.65 | 413.75 | 386.95 | 360.15 | 333.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 451.35 | 440.65 | 413.75 | 386.95 | 360.15 | 333.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 451.45 | 444.75 | 410.65 | 381.45 | 352.25 | 323.15 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 455.25 | 443.65 | 414.45 | 385.25 | 356.15 | 335.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 456.05 | 444.45 | 420.45 | 391.25 | 362.05 | 332.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 457.55 | 445.95 | 416.75 | 387.55 | 358.45 | 329.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 458.55 | 446.95 | 417.75 | 388.55 | 359.45 | 330.25 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 460.65 | 449.05 | 419.85 | 390.65 | 361.55 | 332.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 461.25 | 449.55 | 425.55 | 396.35 | 367.25 | 338.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 462.35 | 450.75 | 421.55 | 392.35 | — | 334.05 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 462.85 | 451.25 | 422.05 | 392.85 | 363.75 | 334.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 463.35 | 451.65 | 422.45 | 393.35 | 364.15 | 334.95 |
| [Krankenkasse Visperterminen](https://www.kkv.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 465.75 | 454.00 | 427.05 | 396.05 | 371.10 | 349.90 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 466.15 | 454.55 | 425.35 | 396.15 | 367.05 | 337.85 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 467.25 | 455.55 | 426.45 | 397.25 | 368.05 | 338.95 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 467.45 | 455.85 | 426.65 | 397.45 | 368.35 | 339.15 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 467.65 | 457.55 | 432.15 | 406.85 | 381.45 | 347.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 468.95 | 457.35 | 433.25 | 404.15 | 374.95 | 345.75 |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 469.85 | 458.25 | 429.05 | 399.85 | 370.75 | 341.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 471.35 | 459.75 | 430.55 | 401.35 | 372.25 | 343.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 472.95 | 461.45 | 432.45 | 402.95 | 373.95 | 344.95 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 473.85 | 462.15 | 433.05 | 403.85 | 374.65 | 345.55 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 473.85 | 462.15 | 433.05 | 403.85 | 374.65 | 345.55 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 474.75 | 463.15 | 433.95 | 404.75 | 375.65 | 346.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 474.85 | 463.25 | 434.05 | 404.85 | 375.75 | 346.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 475.25 | 463.65 | 434.45 | 405.25 | 376.15 | 346.95 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 475.25 | 463.65 | 434.45 | 405.25 | 376.15 | 346.95 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 482.45 | 470.85 | 441.65 | 412.45 | 383.35 | 354.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 485.75 | 474.05 | 444.95 | 415.75 | 386.55 | 357.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 487.25 | 475.65 | 446.45 | 417.25 | 388.15 | 358.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 487.55 | 475.95 | 446.75 | 417.55 | 388.45 | 359.25 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 489.95 | 478.35 | 449.15 | 419.95 | — | 361.65 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 490.95 | 479.35 | 450.15 | 420.95 | 391.85 | 362.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 494.85 | 483.25 | 454.05 | 424.95 | 395.75 | 366.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 495.65 | 484.15 | 455.15 | 425.65 | 396.65 | 367.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 496.85 | 485.25 | 456.05 | 426.85 | 397.75 | 368.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 497.05 | 486.05 | 458.55 | 430.55 | 402.95 | 375.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 497.85 | 486.35 | 457.35 | 427.85 | 398.85 | 369.85 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 497.85 | 486.85 | 459.35 | 431.35 | 403.75 | 376.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 500.45 | 488.85 | 459.65 | 430.45 | 401.35 | 372.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 500.75 | 489.25 | 460.25 | 430.75 | 401.75 | 372.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 501.35 | 489.75 | 460.55 | 431.35 | 402.25 | 373.05 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 502.75 | 496.15 | 461.95 | 432.75 | 403.65 | 374.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 502.75 | 496.15 | 461.95 | 432.75 | 403.65 | 374.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 504.25 | 492.65 | 463.45 | 434.25 | 405.15 | 375.95 |
| [Groupe Mutuel – AMB](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 504.95 | 493.45 | 464.45 | 434.95 | 405.95 | 376.95 |
| [Groupe Mutuel – AMB](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 504.95 | 493.45 | 464.45 | 434.95 | 405.95 | 376.95 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 505.85 | 495.65 | 470.10 | 439.40 | 408.75 | 378.10 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 508.75 | 502.05 | 467.95 | 438.75 | 409.55 | 380.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 508.75 | 502.05 | 467.95 | 438.75 | 409.55 | 380.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 509.95 | 498.35 | 469.15 | 439.95 | 410.85 | 381.65 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 510.15 | 498.55 | 469.35 | 440.15 | 411.05 | 381.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 511.85 | 500.15 | 470.95 | 441.85 | 412.65 | 383.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 511.85 | 500.15 | 470.95 | 441.85 | 412.65 | 383.45 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 512.75 | 501.25 | 472.25 | 442.75 | 413.75 | 384.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 512.85 | 501.25 | 472.05 | 442.85 | 413.75 | 384.55 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 514.85 | 503.25 | 474.05 | 444.85 | 415.75 | 386.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 515.55 | 503.95 | 474.75 | 445.55 | 416.45 | 387.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.85 | 504.25 | 475.05 | 445.85 | 416.75 | 387.55 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 517.05 | 505.35 | 476.25 | 447.05 | 417.85 | 388.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 517.55 | 505.95 | 476.75 | 447.55 | — | 389.25 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 517.95 | 506.35 | 477.15 | 447.95 | 418.85 | 389.65 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 518.05 | 506.55 | 477.55 | 448.05 | 419.05 | 390.05 |
| [Caisse-maladie de la vallée d’Entremont](https://www.cmveo.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 519.25 | 507.75 | 478.75 | 449.25 | 420.25 | 391.25 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 520.65 | 514.05 | 479.85 | 450.65 | 421.55 | 392.35 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 521.05 | 510.05 | 482.55 | 454.55 | 426.95 | 399.45 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 521.25 | 509.65 | 480.45 | 451.25 | 422.15 | 392.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 521.25 | 509.65 | 480.45 | 451.25 | 422.15 | 392.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 521.25 | 509.65 | 480.45 | 451.25 | 422.15 | 392.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 521.35 | 509.85 | 480.85 | 451.35 | 422.35 | 393.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 522.35 | 510.65 | 481.55 | 452.35 | 423.15 | 394.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 524.05 | 512.55 | 483.55 | 454.05 | 425.05 | 396.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 530.05 | 518.55 | 489.55 | 460.05 | 431.05 | 402.05 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 534.05 | 522.35 | 493.15 | 464.05 | 434.85 | 405.65 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 538.25 | 526.65 | 497.45 | 468.35 | 439.15 | 409.95 |
| [Groupe Mutuel – AMB](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 549.25 | 537.75 | 508.75 | 479.25 | 450.25 | 421.25 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 555.95 | 544.35 | 515.15 | 485.95 | 456.85 | 427.95 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 560.85 | 549.25 | 520.05 | 490.85 | 461.75 | 432.55 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 563.95 | 552.45 | 523.45 | 493.95 | 464.95 | 435.95 |
| [Caisse-maladie de la vallée d’Entremont](https://www.cmveo.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 577.45 | 565.95 | 536.95 | 507.45 | 478.45 | 449.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 583.15 | 571.65 | 542.65 | 513.15 | 484.15 | 455.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 592.35 | 585.65 | 551.55 | 522.35 | 493.15 | 464.05 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 592.75 | 581.25 | 552.25 | 522.75 | 493.75 | 464.75 |

128 offers from 28 health insurers.: https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Niedergesteln 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 [Niedergesteln](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/) is Agrisano (AGRIsmart) at 401.15 CHF a month. The cheapest standard model (free choice of doctor) is Krankenkasse Visperterminen (Standard model) at 465.75 CHF a month.

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

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 401.15 CHF (Agrisano, AGRIsmart) to 592.75 CHF (Groupe Mutuel – Avenir, Standard model): 128 offers from 28 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: 392.45 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 401.15 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-300/) to 290.75 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/deductible-2500/): 110.40 CHF less a month, 1'324.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'772 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Niedergesteln 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 465.75 CHF (Krankenkasse Visperterminen), family doctor / HMO 426.85 CHF (ÖKK), flexible model 426.85 CHF (ÖKK), telemedicine 401.15 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 406.30 CHF at Agrisano (AGRIsmart) gives 401.15 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/vs/niedergesteln/adult/with-accident/

## Related pages

- With accident cover: from 289.95 to 592.75 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/vs/niedergesteln/adult/with-accident/

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