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Health insurance Bern 2026

The official premiums for canton Bern: 26 active insurers, 334 municipalities. Pick your municipality to see your exact prices.

The lowest premium

CHF 447.50 per month

Agrisano — AGRIsmart

Adult, CHF 300 deductible, accident cover included.

Gap to the most expensive insurer: CHF 3'737 per year.

26

active insurers

Compare my exact premiums

How the premium has moved

The zone’s lowest premium, year by year since 2015. The same profile every time: adult, CHF 300 deductible, accident included — otherwise the comparison would mean nothing.

That is +50.1 % over 11 years, or CHF 1'793 more per year.

YearLowest premiumChange
2015CHF 298.10—
2016CHF 319.60+7.2 %
2017CHF 334.70+4.7 %
2018CHF 343.80+2.7 %
2019CHF 363.50+5.7 %
2020CHF 371.20+2.1 %
2021CHF 368.50−0.7 %
2022CHF 369.00+0.1 %
2023CHF 376.00+1.9 %
2024CHF 403.20+7.2 %
2025CHF 421.30+4.5 %
2026CHF 447.50+6.2 %

Source: FOPH archives, one file per year. The amounts are those actually in force, not a retrospective estimate.

Insurers available in BernRegion 1

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1VisanaCheapestCHF 540.10
2Vivao SympanyCHF 545.90
3AtupriCHF 548.90
4HelsanaCHF 548.90
5SanitasCHF 552.30
6sana24CHF 571.80
7CSSCHF 577.10
8KPTCHF 578.10
9SteffisburgCHF 581.10
10SWICACHF 582.70
11ÖKKCHF 585.20
12SumiswalderCHF 586.50
13Assura-BasisCHF 589.50
14CONCORDIACHF 590.80
15sodalisCHF 598.20
16MutuelCHF 601.20
17EGKCHF 603.40
18AvenirCHF 606.70
19SLKKCHF 607.70
20PhilosCHF 609.30
21AgrisanoCHF 611.30
22AquilanaCHF 612.70
23GalenosCHF 630.20
24Luzerner HinterlandCHF 634.95
25vita surselvaCHF 646.00
26rhenusanaCHF 698.20

Insurers available in BernRegion 2

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1VisanaCheapestCHF 493.60
2AgrisanoCHF 497.10
3ÖKKCHF 503.40
4HelsanaCHF 508.30
5Assura-BasisCHF 509.90
6EGKCHF 511.70
7SWICACHF 512.40
8CSSCHF 513.80
9SLKKCHF 516.60
10AtupriCHF 517.60
11KPTCHF 520.10
12SumiswalderCHF 520.90
13Vivao SympanyCHF 525.10
14CONCORDIACHF 529.60
15SteffisburgCHF 530.40
16sodalisCHF 531.00
17AquilanaCHF 535.50
18Luzerner HinterlandCHF 541.75
19sana24CHF 541.80
20SanitasCHF 545.30
21AvenirCHF 546.00
22GalenosCHF 546.70
23MutuelCHF 553.10
24PhilosCHF 554.50
25rhenusanaCHF 607.40
26vita surselvaCHF 624.15

Insurers available in BernRegion 3

Each insurer’s lowest premium, adult, CHF 300 deductible, accident included. Every insurer is listed, with no exception and no paid placement.

#InsurerFrom
1AgrisanoCheapestCHF 447.50
2VisanaCHF 465.50
3ÖKKCHF 477.00
4SumiswalderCHF 481.30
5HelsanaCHF 483.60
6SWICACHF 485.90
7sana24CHF 487.80
8KPTCHF 488.10
9AquilanaCHF 491.00
10EGKCHF 491.10
11SanitasCHF 495.45
12CONCORDIACHF 495.60
13Luzerner HinterlandCHF 496.85
14CSSCHF 497.00
15sodalisCHF 498.00
16SLKKCHF 498.30
17Assura-BasisCHF 502.30
18SteffisburgCHF 506.60
19GalenosCHF 507.20
20AvenirCHF 509.60
21AtupriCHF 510.70
22Vivao SympanyCHF 513.10
23MutuelCHF 529.00
24PhilosCHF 536.20
25vita surselvaCHF 563.35
26rhenusanaCHF 583.10

Premium regions

The FOPH splits some cantons into several premium regions. Two neighbouring municipalities can therefore pay different prices — which is why we never show a cantonal average in place of your prices.

Every municipality in Bern

334 municipalities, each with its official premiums.

The other cantons

Why the premium is what it is here

Care reimbursed by basic insurance costs CHF 4'868 per insured person per year in Bern.

The Swiss average is CHF 4'834.

Bern is the 9th most expensive canton for healthcare costs out of 26. The premium follows from that: no insurer can durably charge less than it reimburses.

These costs have changed by +25.3 % since 2016 in this canton, against +28.4 % for the Swiss average.

Across the 26 cantons, the cost of care explains 88.5 % of the premium gap. In other words: much of the difference with the neighbouring canton cannot be recovered by switching insurer.

Gross benefits per insured person, twelve-month rolling average. Source: FOPH cost monitoring (MOKKE).

The other years

The archive goes back to 2015, year by year.

201520162017201820192020202120222023202420252026