CHF 1'000 deductible in Region 1 of canton Bern
At a CHF 1'000 deductible, 26 insurers offer a premium in Region 1 of canton Bern. The lowest is CHF 502.00 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 540.10, the CHF 1'000 deductible saves CHF 457.20 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 757.20 of medical costs in the year: below that this deductible wins, above it costs more than the minimum.
The calculation excludes the 10 % co-payment, capped at 700 francs a year, which applies in both cases.
The ranking, cheapest to dearest
26 insurers at a CHF 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 502.00 | View |
| 2 | Vivao Sympany | CHF 505.00 | View |
| 3 | Atupri | CHF 508.10 | View |
| 4 | Helsana | CHF 508.10 | View |
| 5 | Sanitas | CHF 511.50 | View |
| 6 | sana24 | CHF 531.00 | View |
| 7 | CSS | CHF 536.30 | View |
| 8 | KPT | CHF 537.30 | View |
| 9 | Steffisburg | CHF 540.30 | View |
| 10 | ÖKK | CHF 544.40 | View |
| 11 | Sumiswalder | CHF 546.90 | View |
| 12 | Assura-Basis | CHF 548.70 | View |
| 13 | SWICA | CHF 548.80 | View |
| 14 | CONCORDIA | CHF 550.00 | View |
| 15 | sodalis | CHF 558.60 | View |
| 16 | Mutuel | CHF 560.70 | View |
| 17 | EGK | CHF 562.60 | View |
| 18 | Avenir | CHF 566.20 | View |
| 19 | Philos | CHF 568.80 | View |
| 20 | SLKK | CHF 571.80 | View |
| 21 | Agrisano | CHF 574.40 | View |
| 22 | Aquilana | CHF 577.20 | View |
| 23 | Galenos | CHF 589.30 | View |
| 24 | Luzerner Hinterland | CHF 594.15 | View |
| 25 | vita surselva | CHF 607.25 | View |
| 26 | rhenusana | CHF 660.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.