CHF 1'500 deductible in Region 1 of canton Bern
At a CHF 1'500 deductible, 26 insurers offer a premium in Region 1 of canton Bern. The lowest is CHF 472.80 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 1'500 deductible saves CHF 807.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'107.60 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 472.80 | View |
| 2 | Vivao Sympany | CHF 475.90 | View |
| 3 | Atupri | CHF 478.90 | View |
| 4 | Helsana | CHF 478.90 | View |
| 5 | Sanitas | CHF 482.30 | View |
| 6 | sana24 | CHF 501.80 | View |
| 7 | CSS | CHF 507.10 | View |
| 8 | KPT | CHF 508.10 | View |
| 9 | Steffisburg | CHF 511.20 | View |
| 10 | ÖKK | CHF 515.20 | View |
| 11 | Sumiswalder | CHF 518.30 | View |
| 12 | Assura-Basis | CHF 519.50 | View |
| 13 | SWICA | CHF 519.60 | View |
| 14 | CONCORDIA | CHF 520.80 | View |
| 15 | Mutuel | CHF 531.20 | View |
| 16 | EGK | CHF 533.40 | View |
| 17 | sodalis | CHF 533.50 | View |
| 18 | Avenir | CHF 536.70 | View |
| 19 | Philos | CHF 539.30 | View |
| 20 | SLKK | CHF 546.10 | View |
| 21 | Agrisano | CHF 548.00 | View |
| 22 | Aquilana | CHF 548.60 | View |
| 23 | Galenos | CHF 560.20 | View |
| 24 | Luzerner Hinterland | CHF 564.95 | View |
| 25 | vita surselva | CHF 581.40 | View |
| 26 | rhenusana | CHF 634.30 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.