Kandersteg is reached by rail rather than by air, and the honest travel-insurance question here concerns this alpine village itself and the hiking and via-ferrata terrain around it, not the station. Coverage is worth carrying for a Kandersteg trip, and the reason has more to do with mountain activity and rescue logistics than any general danger in Switzerland.
Oeschinensee, the turquoise alpine lake above the village, and the surrounding via-ferrata routes and high trails are the genuine draw here, and both carry real risk from exposure, weather, and falls on steep terrain. The valley is also home to the Kandersteg International Scout Centre, drawing organized outdoor groups alongside independent hikers, and both face the same terrain and rescue realities. Confirm your policy names via-ferrata and mountain hiking specifically, since some general travel policies treat via-ferrata as a higher-risk activity requiring separate cover rather than folding it into standard hiking.
Kandersteg itself has only basic local services, and anything serious is typically stabilized on site, if possible, and then evacuated toward Bern, the nearest major Swiss hospital hub for this region. Mountain and helicopter rescue in Switzerland is widely known to be expensive, and many Swiss residents carry supplementary rescue-cost cover of their own for exactly this reason; confirm your own policy actually covers mountain rescue and air evacuation rather than assuming standard medical cover extends to a helicopter lift off a trail.
Keep any clinic paperwork, mountain-rescue incident reports, and receipts for treatment or equipment if a hike or via-ferrata route goes wrong, since claims involving mountain rescue rely heavily on this kind of documentation. Check whether your existing health cover extends abroad and specifically to Switzerland before you travel, since Swiss care and rescue costs run high enough that gaps in a home policy tend to surface only after something has already gone wrong.