Key points at a glance
This page is written for residents of Radelfingen, in the canton of Bern, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Radelfingen, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Radelfingen belongs to region 2 in the canton of Bern) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Radelfingen has roughly 1’283 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Radelfingen, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Niederried bei Kallnach (2 km), Kallnach (3 km), Wileroltigen (4 km).
Radelfingen at a glance: your local context
Radelfingen, a municipality of roughly 1’283 residents in the canton of Bern, has its own profile when it comes to health insurance. Radelfingen lies in premium region 2 of the canton of Bern (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 1’283
- Canton: Bern
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 3271
- Federal municipality number (BFS): 309
Health insurance and supplementary cover around Radelfingen: compare neighbouring municipalities
Around Radelfingen, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Health insurance and supplementary cover in Niederried bei Kallnach — 1.9 km away
- Health insurance and supplementary cover in Kallnach — 3.5 km away
- Health insurance and supplementary cover in Wileroltigen — 3.8 km away
- Health insurance and supplementary cover in Bargen — 4.5 km away
- Health insurance and supplementary cover in Seedorf — 5.1 km away
- Health insurance and supplementary cover in Aarberg — 5.2 km away
- Health insurance and supplementary cover in Fräschels — 5.2 km away
- Health insurance and supplementary cover in Chiètres — 5.5 km away
- Health insurance and supplementary cover in Mühleberg — 5.6 km away
- Health insurance and supplementary cover in Siselen — 6.6 km away
Health insurance premiums 2026 in Radelfingen: the real numbers
The range in Radelfingen is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 494 to 660 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 1’999 francs a year, without giving anything up. The lowest adult premium there comes with the "HMO / network" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 494 – 660 CHF | from 368 CHF |
| Young adults (19–25) | 357 – 516 CHF | from 231 CHF |
| Children (0–18) | 32 – 152 CHF | — |
That is exactly what our comparison does: it ranks the 85 insurers active in Radelfingen from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Radelfingen →
Basic insurance in Radelfingen: choosing insurer, deductible and model
Three decisions drive your premium in Radelfingen. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Radelfingen starts as low as 368 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Important for switching: your cancellation of basic insurance must REACH your current insurer by 30 November at the latest (the date of receipt counts, so send it by registered post) for the switch to take effect on 1 January. Also check whether you qualify for premium subsidies in the canton of Bern — many households leave this reduction unused.
Checklist for Radelfingen
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Bern.
Free premium comparison for Radelfingen →
How we work for Radelfingen
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Bern. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Radelfingen this difference is measurable: 494–660 francs a month for adults, i.e. up to 1’999 francs a year across 85 insurers — for identical cover. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Radelfingen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Radelfingen?
In Radelfingen (postal code 3271), the 2026 adult basic-insurance premium ranges from 494 to 660 francs a month depending on the insurer (deductible 300), from 357 francs for young adults and from 32 francs for children. For identical cover, the difference reaches up to 1’999 francs a year (FOPH premium region 2 of the canton of Bern). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Radelfingen have the same premiums?
Not necessarily. Radelfingen and nearby municipalities such as Niederried bei Kallnach (2 km), Kallnach (3 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Radelfingen?
No. It explains the insurance and tax concepts for residents of Radelfingen (canton of Bern). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Radelfingen with no obligation?
Of course. The starting point is your situation in Radelfingen; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Your details are transmitted through our secure infrastructure — solely with your explicit consent. The purposes, recipients and retention periods are described in the privacy policy.
Important notes
This local guide for Radelfingen is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.