The cheapest compulsory basic insurance for adults in Bern costs CHF 332.05 a month in 2026 at Agrisano – CHF 2,500 deductible, Other saver models, in the premium region Bern 3. Compared with 2025 insurers here changed their premiums by +5.4 %.
Before you compare: what you are actually choosing
Basic health insurance (Grundversicherung, KVG/LAMal) is compulsory for everyone living in Switzerland, and what it covers is written into federal law. Every insurer must offer exactly the same medical cover and must accept you regardless of your health. So a cheaper premium does not buy you less treatment – it buys the same treatment from a different company.
What you actually choose is three things: the insurer, the deductible (Franchise, CHF 300 to 2,500 for adults) and the model – whether you may go to any doctor, or agree to call a family doctor, an HMO practice or a telemedicine line first. Restricting your first point of contact is what makes the saver models cheaper.
Two things are not your choice: the canton and municipality you live in, which set the premium region, and your age group. Supplementary insurance (Zusatzversicherung) is a separate, voluntary product with its own rules – insurers may reject you there.
In Bern the premium does not depend on the canton but on the premium region. Enter where you live and you will see which table applies to you.
Within Bern the cheapest offer differs by up to CHF 959 a year depending on where you live – for identical cover.
What does health insurance cost in premium region Bern 1 in 2026?
In premium region 1 of the canton of Bern – which covers Bern, Biel/Bienne, Köniz – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 411.95 per month in 2026, offered by Visana (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Bern 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 411.95
CHF 534.95
+3.2 %
Sympany
Other saver models
CHF 412.35
CHF 540.75
+5.5 %
Atupri
HMO model
CHF 415.45
CHF 543.75
−1.3 %
Helsana
Family doctor model
CHF 415.45
CHF 543.75
+5.0 %
Helsana
Other saver models
CHF 415.45
CHF 543.75
+5.0 %
Sanitas
Family doctor model
CHF 418.85
CHF 547.15
+4.6 %
Sympany
HMO model
CHF 421.85
CHF 550.15
+3.8 %
Sympany
Family doctor model
CHF 421.85
CHF 550.15
+3.8 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,476 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,940 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Bern 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 254.45
CHF 381.85
+3.7 %
Sanitas
Family doctor model
CHF 258.40
CHF 386.70
+6.1 %
Sanitas
Other saver models
CHF 258.45
CHF 386.75
+6.1 %
Sanitas
HMO model
CHF 262.55
CHF 390.85
+7.7 %
Sympany
Other saver models
CHF 265.05
CHF 393.35
+2.0 %
Sympany
HMO model
CHF 271.95
CHF 400.25
+0.3 %
Sympany
Family doctor model
CHF 271.95
CHF 400.25
+0.3 %
Sanitas
Standard (free choice of doctor)
CHF 274.75
CHF 403.05
+5.9 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,529 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 2,000 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Bern 1 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 30.45
CHF 56.05
+5.0 %
Agrisano
HMO model
CHF 30.55
CHF 57.05
+5.0 %
sana24
HMO model
CHF 30.75
CHF 55.45
+0.8 %
Visana
HMO model
CHF 30.85
CHF 49.05
+2.6 %
Visana
Family doctor model
CHF 30.85
CHF 54.65
+2.6 %
Visana
Other saver models
CHF 30.85
CHF 51.05
+2.6 %
Visana
Standard (free choice of doctor)
CHF 30.85
CHF 61.75
+2.6 %
SWICA
HMO model
CHF 32.25
CHF 60.85
+2.7 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 307 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 340 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Bern 1? (15 municipalities, 320,620 residents)
What does health insurance cost in premium region Bern 2 in 2026?
In premium region 2 of the canton of Bern – which covers Thun, Burgdorf, Steffisburg – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 362.45 per month in 2026, offered by Visana (HMO model). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Bern 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 362.45
CHF 488.45
+5.3 %
Visana
Other saver models
CHF 371.85
CHF 500.15
+6.6 %
Helsana
Family doctor model
CHF 374.85
CHF 503.15
+4.8 %
Assura
Family doctor model
CHF 376.45
CHF 504.75
+2.9 %
ÖKK
HMO model
CHF 378.25
CHF 498.25
+9.0 %
EGK
Other saver models
CHF 378.25
CHF 506.55
+6.4 %
SWICA
Family doctor model
CHF 378.95
CHF 507.25
+0.9 %
CSS
Family doctor model
CHF 380.35
CHF 508.65
+2.2 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,512 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,980 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Bern 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 225.45
CHF 352.15
+4.6 %
Visana
Family doctor model
CHF 239.65
CHF 368.05
+3.7 %
ÖKK
HMO model
CHF 239.85
CHF 359.85
+11.5 %
ÖKK
Family doctor model
CHF 239.85
CHF 368.15
+3.9 %
ÖKK
Other saver models
CHF 239.85
CHF 368.15
+3.9 %
CSS
Family doctor model
CHF 241.55
CHF 369.85
−1.6 %
Visana
Other saver models
CHF 246.75
CHF 375.15
+3.7 %
Agrisano
Other saver models
CHF 247.35
CHF 357.65
+8.6 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,520 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,990 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Bern 2 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 25.25
CHF 44.55
+4.8 %
Agrisano
HMO model
CHF 25.45
CHF 48.05
+4.4 %
Visana
HMO model
CHF 26.65
CHF 43.05
+2.3 %
Visana
Family doctor model
CHF 26.65
CHF 47.65
+2.3 %
Visana
Other saver models
CHF 26.65
CHF 44.55
+2.3 %
Visana
Standard (free choice of doctor)
CHF 26.65
CHF 53.95
+2.3 %
Agrisano
Standard (free choice of doctor)
CHF 27.75
CHF 52.65
+4.8 %
SWICA
HMO model
CHF 27.95
CHF 53.85
+2.5 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 232 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 260 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Bern 2? (213 municipalities, 497,560 residents)
What does health insurance cost in premium region Bern 3 in 2026?
In premium region 3 of the canton of Bern – which covers Langenthal, Spiez, Langnau im Emmental – the cheapest compulsory basic health insurance for adults with a CHF 2,500 deductible costs CHF 332.05 per month in 2026, offered by Agrisano (Other saver models). Source: Swiss Federal Office of Public Health (FOPH), as of 05.08.2026.
The most commonly chosen insurer here is Visana (23.4% of the insured). Its cheapest offer costs CHF 334.25 a month – CHF 26 more a year than the cheapest offer, for cover that is identical by law. In basic insurance market share measures inertia, not quality.
Adults (26 and over)
Cheapest basic health insurance for Adults (26 and over) in the premium region Bern 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Agrisano
Other saver models
CHF 332.05
CHF 442.35
+8.0 %
Visana
HMO model
CHF 334.25
CHF 460.35
−1.9 %
Visana
Other saver models
CHF 340.15
CHF 468.55
+6.7 %
Sumiswalder
Family doctor model
CHF 350.15
CHF 476.15
+6.6 %
Sumiswalder
Other saver models
CHF 350.15
CHF 476.15
+6.6 %
Helsana
Other saver models
CHF 350.15
CHF 478.45
+7.1 %
ÖKK
HMO model
CHF 351.85
CHF 471.85
+10.5 %
SWICA
HMO model
CHF 352.45
CHF 480.75
+4.2 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,324 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,770 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Young adults (19 to 25)
Cheapest basic health insurance for Young adults (19 to 25) in the premium region Bern 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 2,500
Deductible 300
vs. 2025
Visana
HMO model
CHF 201.45
CHF 325.95
−2.7 %
Agrisano
Other saver models
CHF 211.25
CHF 321.55
+9.0 %
CSS
Family doctor model
CHF 214.45
CHF 342.75
−6.4 %
Sanitas
Family doctor model
CHF 218.10
CHF 346.40
+3.9 %
Sanitas
Other saver models
CHF 218.15
CHF 346.45
+3.9 %
Sumiswalder
Family doctor model
CHF 220.25
CHF 346.25
+7.6 %
ÖKK
Family doctor model
CHF 220.25
CHF 348.55
+5.2 %
Sumiswalder
Other saver models
CHF 220.25
CHF 346.25
+7.6 %
The lower premium at the 2,500 deductible is not a saving but a trade: you pay CHF 1,494 less in premiums a year, and carry up to CHF 2,200 more of your own treatment costs. The switch turns at roughly CHF 1,960 of treatment costs a year – below that the 2,500 deductible is cheaper, above it the 300. Work it out with your own costs
Children (up to 18)
Cheapest basic health insurance for Children (up to 18) in the premium region Bern 3 in 2026, including accident cover, at the highest and lowest deductible.
Insurer
Model
Deductible 600
Deductible 0
vs. 2025
Agrisano
Other saver models
CHF 22.35
CHF 39.65
+5.4 %
Agrisano
HMO model
CHF 22.55
CHF 42.75
+5.3 %
Visana
HMO model
CHF 24.25
CHF 40.75
+2.4 %
Visana
Family doctor model
CHF 24.25
CHF 43.65
+2.4 %
Visana
Other saver models
CHF 24.25
CHF 41.15
+2.4 %
Visana
Standard (free choice of doctor)
CHF 24.25
CHF 49.45
+2.4 %
Agrisano
Standard (free choice of doctor)
CHF 24.55
CHF 46.95
+4.9 %
sana24
HMO model
CHF 25.55
CHF 46.55
+1.0 %
The lower premium at the 600 deductible is not a saving but a trade: you pay CHF 208 less in premiums a year, and carry up to CHF 600 more of your own treatment costs. The switch turns at roughly CHF 230 of treatment costs a year – below that the 600 deductible is cheaper, above it the 0. Work it out with your own costs
Which places belong to premium region Bern 3? (107 municipalities, 229,242 residents)
The tables above show the cheapest offers for your region. What you pay today is on your policy – and at identical legal cover, the difference is pure price.
Children are insured cheaply – from CHF 22.35 a month. That ends on 1 January following the 18th birthday: the same person then counts as a young adult and pays at least CHF 201.45, roughly 9 times as much and CHF 2,149 more a year. The jump comes with the change of age group, not with the birthday itself.
No compulsory deductible. For children the deductible is voluntary and the lowest tier is zero. Because the break-even point is low, zero is the cheaper choice for most children.
Half the co-payment cap. Above the deductible children pay at most CHF 350 a year themselves, against CHF 700 for adults. If several children of one family are insured with the same insurer, together they pay at most the cost-sharing of one adult – so at most CHF 300 deductible and CHF 700 co-payment (Art. 64 para. 4 KVG). With different insurers this cap does not apply.
Premium reductions for children are mandatory. Cantons must reduce the premiums of children in lower and middle income households by at least 80%, and those of young adults in education by at least 50% (Art. 65 para. 1bis KVG). You apply to your canton of residence, not to the insurer.
Register before the birth. Registering a child only after birth risks rejection or a lifelong exclusion in supplementary insurance. It does not affect basic insurance – there, insurers must accept every applicant.
Why is the premium not the same everywhere in Bern?
Premiums are not approved per canton but per premium region. Bern is divided into 3 of them, because health costs differ noticeably between areas. What counts is your political municipality, not the postcode alone – moving to the next municipality can change your premium, moving within the region cannot.
By when must I cancel to switch for 2026?
Basic insurance runs to the end of the calendar year with one month's notice. To switch for the 2026 premium year you therefore had to cancel in the previous year: the letter had to arrive at your previous insurer by 30 November 2025 – sending it in time is not enough, so send it by registered post.
The cancellation only takes effect once the new insurer confirms cover, so never cancel before you have that confirmation. Supplementary insurance has its own, usually earlier deadlines – by the end of November it is normally too late for those.
There is a second date almost nobody uses: if you have the ordinary CHF 300 deductible and free choice of doctor, you may also switch at the end of June, with three months' notice – so by the end of March (Art. 7 KVG). With a saver model or a higher deductible that route is closed and the year end is your only option.
