# Health insurance premiums 2026 in Berg am Irchel (ZH), for a young adult aged 19 to 25 with accident cover

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

- **307.15 CHF** a month with a [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-300/) (Agrisano, AGRIsmart)
- **191.85 CHF** a month with a [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-2500/) (Assura, Qualimed)

## With accident cover: from 191.85 to 482.85 CHF a month depending on the deductible and the model

127 offers from 27 health insurers. With a deductible of 300 CHF, the cheapest is **307.15 CHF** a month with **Agrisano** (AGRIsmart), the most expensive 482.85 CHF with vita surselva (Standard model).

Lowest premium:
- 300 CHF: 307.15 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-300/
- 500 CHF: 297.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-500/
- 1'000 CHF: 272.05 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-1000/
- 1'500 CHF: 246.95 CHF (Agrisano, AGRIsmart) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-1500/
- 2'000 CHF: 218.15 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-2000/
- 2'500 CHF: 191.85 CHF (Assura, Qualimed) — https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-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 | 307.15 | 297.05 | 272.05 | 246.95 | 221.85 | 196.75 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 310.75 | 301.25 | 279.75 | 249.75 | 233.75 | 196.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 317.25 | 305.65 | 276.45 | 247.25 | 218.15 | 191.85 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 318.05 | 308.55 | 287.05 | 255.05 | 240.05 | 196.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 322.30 | 310.70 | 281.50 | 252.30 | 223.20 | 194.00 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 322.45 | 310.85 | 281.65 | 252.45 | 223.35 | 194.15 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 322.85 | 316.15 | 281.95 | 252.85 | 223.65 | 208.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 323.45 | 312.85 | 286.55 | 260.15 | 233.65 | 207.35 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 325.70 | 314.10 | 284.90 | 255.70 | 226.60 | 197.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 325.70 | 314.10 | 284.90 | 255.70 | 226.60 | 197.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 325.70 | 314.10 | 284.90 | 255.70 | 226.60 | 197.40 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 325.85 | 314.25 | 285.05 | 255.85 | 226.75 | 197.55 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 325.85 | 314.25 | 285.05 | 255.85 | 226.75 | 197.55 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 326.45 | 314.85 | 285.65 | 256.45 | 227.35 | 198.15 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 326.45 | 314.85 | 285.65 | 256.45 | 227.35 | 198.15 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 327.15 | 315.55 | 286.35 | 257.15 | 228.05 | 207.35 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 328.95 | 318.15 | 291.35 | 264.55 | 237.65 | 210.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 330.25 | 318.65 | 289.45 | 260.25 | 231.15 | 201.95 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 334.65 | 323.05 | 293.85 | 264.65 | 235.55 | 206.35 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 334.75 | 323.95 | 297.15 | 270.35 | 243.55 | 216.75 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 334.75 | 323.95 | 297.15 | 270.35 | 243.55 | 216.75 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 335.55 | 323.95 | 294.75 | 265.55 | 236.45 | 207.25 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 335.55 | 323.95 | 294.75 | 265.55 | 236.45 | 207.25 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 336.05 | 324.45 | 295.25 | 266.05 | 236.95 | 207.75 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 337.65 | 327.55 | 302.15 | 276.85 | 251.45 | 231.35 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 338.45 | 326.85 | 297.65 | 268.45 | 239.35 | 210.15 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 340.75 | 329.15 | 299.95 | 270.75 | 241.65 | 212.45 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 344.25 | 332.65 | 303.45 | 274.25 | 245.15 | 215.95 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 346.55 | 334.95 | 305.75 | 276.55 | 247.45 | 218.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 218.55 |
| [Krankenkasse Wädenswil](https://www.kkwaedenswil.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 346.85 | 335.25 | 306.05 | 276.85 | 247.75 | 219.95 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 346.85 | 340.15 | 305.95 | 276.85 | 247.65 | 218.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 347.35 | 335.75 | 306.55 | 277.35 | 248.25 | 219.05 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 348.05 | 336.45 | 307.25 | 278.05 | 248.95 | 219.75 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 348.15 | 336.50 | 307.30 | 278.15 | 249.00 | 219.80 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 348.55 | 336.95 | 307.75 | 278.55 | 249.45 | 220.25 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 349.55 | 337.95 | 308.75 | 279.65 | 250.45 | 222.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 350.05 | 338.45 | 309.25 | 280.05 | 250.95 | 221.75 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 350.05 | 338.45 | 309.25 | 280.05 | 250.95 | 221.75 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 350.65 | 338.95 | 313.85 | 284.65 | 251.45 | 222.25 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 351.90 | 340.25 | 311.05 | 281.90 | 252.75 | 223.55 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 352.85 | 341.25 | 312.05 | 282.85 | 253.75 | 224.55 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 355.15 | 344.95 | 319.25 | 293.55 | 267.95 | 242.25 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 355.45 | 343.85 | 314.65 | 285.45 | 256.35 | 227.15 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 355.85 | 344.35 | 315.35 | 285.85 | 256.85 | 227.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 357.55 | 345.95 | 316.75 | 287.55 | 258.45 | 229.25 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 357.85 | 346.15 | 317.05 | 287.85 | 258.65 | 229.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 357.85 | 346.15 | 317.05 | 287.85 | 258.65 | 229.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 357.85 | 346.15 | 317.05 | 287.85 | 258.65 | 229.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 357.95 | 346.45 | 317.45 | 287.95 | 258.95 | 229.95 |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 357.95 | 346.25 | 317.15 | 287.95 | 258.75 | 229.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 359.95 | 348.25 | 319.05 | 289.95 | 260.75 | 231.55 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 359.95 | 348.25 | 319.05 | 289.95 | 260.75 | 231.55 |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 359.95 | 350.45 | 327.95 | 304.95 | 282.95 | 238.45 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 361.15 | 349.55 | 320.35 | 291.15 | 262.05 | 232.85 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT BESTCARE | 361.85 | 350.15 | 337.35 | 320.35 | 303.45 | 274.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 361.85 | 350.15 | 331.15 | 302.05 | 264.75 | 235.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 362.05 | 350.55 | 321.55 | 292.05 | 263.05 | 234.05 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 363.35 | 352.85 | 326.65 | 300.35 | 274.15 | 247.85 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 363.75 | 352.15 | 322.95 | 293.75 | 264.65 | 235.45 |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 363.75 | 352.15 | 322.95 | 293.75 | 264.65 | 235.45 |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 364.25 | 352.65 | 323.45 | 294.25 | 265.15 | 235.95 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 366.25 | 354.75 | 325.75 | 296.25 | 267.25 | 238.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 366.65 | 355.05 | 325.85 | 296.65 | 267.55 | 238.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 366.65 | 355.05 | 325.85 | 296.65 | 267.55 | 238.35 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 367.15 | 355.55 | 326.35 | 297.15 | 268.05 | 238.85 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 367.45 | 356.85 | 330.25 | 303.75 | 277.25 | 250.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 369.85 | 358.15 | 328.95 | 299.85 | 270.65 | 241.45 |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 370.70 | 359.05 | 329.85 | 300.70 | 271.55 | 242.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 370.75 | 364.15 | 329.95 | 300.75 | 271.65 | 242.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 371.55 | 364.95 | 330.75 | 301.55 | 272.45 | 243.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 375.65 | 364.05 | 334.85 | 305.65 | 276.55 | 247.35 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 376.05 | 368.55 | 339.35 | 310.15 | 276.95 | 247.75 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 376.65 | 365.05 | 335.85 | 306.65 | 277.55 | 248.35 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 380.05 | 368.45 | 339.25 | 310.05 | 280.95 | 251.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 380.25 | 368.75 | 339.75 | 310.25 | 281.25 | 252.25 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 380.25 | 368.75 | 339.75 | 310.25 | 281.25 | 252.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 381.15 | 369.55 | 340.35 | 311.15 | 282.05 | 252.85 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 381.35 | 369.75 | 340.55 | 311.35 | — | 253.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 381.35 | 369.75 | 340.55 | 311.35 | — | 253.05 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 382.45 | 370.95 | 341.95 | 312.45 | 283.45 | 254.45 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 382.75 | 376.05 | 341.95 | 312.75 | 283.55 | 254.45 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 383.25 | 371.55 | 342.45 | 315.25 | 288.15 | 263.05 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 385.15 | 373.45 | 344.25 | 315.15 | 285.95 | 256.75 |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 388.85 | 377.25 | 348.05 | 318.95 | 289.75 | 260.55 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 389.05 | 377.45 | 348.25 | 319.05 | 289.95 | 260.75 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 389.05 | 377.45 | 348.25 | 319.05 | 289.95 | 260.75 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 390.65 | 378.95 | 349.85 | 320.65 | 291.45 | 262.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 390.75 | 384.05 | 349.95 | 320.75 | 291.55 | 262.45 |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 390.95 | 379.35 | 350.15 | 320.95 | 291.85 | 262.65 |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 391.65 | 380.05 | 350.85 | 321.65 | 292.55 | 263.35 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 392.45 | 380.85 | 351.65 | 322.45 | 293.35 | 264.15 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 393.35 | 381.85 | 352.85 | 323.35 | 294.35 | 265.35 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 394.75 | 388.05 | 353.95 | 324.75 | 295.55 | 266.45 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 396.55 | 385.05 | 356.05 | 326.55 | 297.55 | 268.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 397.55 | 385.95 | 356.75 | 327.55 | — | 269.25 |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 399.35 | 387.75 | 358.55 | 329.35 | 300.25 | 271.05 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 400.75 | 389.15 | 359.95 | 330.75 | — | 272.45 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 401.25 | 389.65 | 360.45 | 331.25 | 302.15 | 272.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 402.45 | 390.85 | 361.65 | 332.45 | 303.35 | 274.15 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 402.55 | 390.95 | 361.75 | 332.55 | 303.45 | 274.25 |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 402.55 | 390.95 | 361.75 | 332.55 | 303.45 | 274.25 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 403.15 | 391.55 | 362.35 | 333.15 | 304.15 | 283.15 |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 404.25 | 392.65 | 363.45 | 334.25 | 305.15 | 275.95 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 405.95 | 394.45 | 365.45 | 335.95 | 306.95 | 277.95 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 406.95 | 395.35 | 366.15 | 336.95 | 307.85 | 278.65 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 407.35 | 395.65 | 366.55 | 337.35 | 308.15 | 279.05 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 407.55 | 395.95 | 366.75 | 337.55 | 308.45 | 287.55 |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 409.75 | 398.25 | 369.25 | 339.75 | 310.75 | 281.75 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 410.45 | 398.85 | 369.65 | 340.45 | — | 282.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 410.65 | 399.15 | 370.15 | 340.65 | 311.65 | 282.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 419.15 | 407.45 | 378.35 | 349.15 | 319.95 | 290.85 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 420.55 | 408.85 | 379.65 | 350.55 | 321.35 | 292.15 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 424.75 | 413.25 | 384.25 | 354.75 | 325.75 | 296.75 |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 432.75 | 421.25 | 392.25 | 362.75 | 333.75 | 304.75 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 433.75 | 422.05 | 392.95 | 363.75 | 334.55 | 305.45 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 438.35 | 426.65 | 397.45 | 368.35 | 339.15 | 309.95 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 438.55 | 426.95 | 397.75 | 368.55 | 339.55 | 310.25 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 442.85 | 431.25 | 402.05 | 372.85 | 343.75 | 314.55 |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 445.95 | 434.35 | 405.15 | 375.95 | — | 317.65 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 447.45 | 435.75 | 406.65 | 377.45 | 348.25 | 319.15 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 452.05 | 440.35 | 411.15 | 382.05 | 352.85 | 323.65 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 457.15 | 445.45 | 416.35 | 387.15 | 357.95 | 328.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 458.45 | 449.20 | 421.35 | 393.55 | 361.10 | 333.30 |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 464.65 | 453.15 | 424.15 | 394.65 | 365.65 | 336.65 |
| [Einsiedler Krankenkasse](https://www.kkeinsiedeln.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 469.15 | 457.55 | 428.35 | 399.15 | 370.05 | 340.85 |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 482.85 | 473.10 | 443.80 | 414.55 | 385.25 | 355.95 |

127 offers from 27 health insurers.: https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-300/ · All deductibles: https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/ · Markdown: https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident.md

\* insurer’s default model

Last modified: 28/09/2026

## Frequently asked questions

### Which health insurance is the cheapest in Berg am Irchel 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 [Berg am Irchel](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/) is Agrisano (AGRIsmart) at 307.15 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 336.05 CHF a month.

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

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/) with a deductible of 300 CHF and with accident cover, monthly premiums run from 307.15 CHF (Agrisano, AGRIsmart) to 482.85 CHF (vita surselva, Standard model): 127 offers from 27 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: 286.05 CHF (an FOPH statistic, distinct from the offers above).

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

On the cheapest offer (Agrisano, AGRIsmart), the premium goes from 307.15 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/deductible-300/) to 196.75 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-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 Berg am Irchel 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 336.05 CHF (Sanitas), family doctor / HMO 318.05 CHF (rhenusana), flexible model 317.25 CHF (Assura), telemedicine 307.15 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 312.30 CHF at Agrisano (AGRIsmart) gives 307.15 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/zh/berg-am-irchel/young-adult/with-accident/

## Related pages

- With accident cover: from 191.85 to 482.85 CHF a month depending on the deductible and the model: https://praemiencheck.onedoc.ch/en/zh/berg-am-irchel/young-adult/with-accident/

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