CHF 2'000 deductible in Region 1 of canton Bern
At a CHF 2'000 deductible, 25 insurers offer a premium in Region 1 of canton Bern. The lowest is CHF 446.30 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 2'000 deductible saves CHF 1'125.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'425.60 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
25 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 446.30 | View |
| 2 | Vivao Sympany | CHF 446.70 | View |
| 3 | Atupri | CHF 449.80 | View |
| 4 | Helsana | CHF 449.80 | View |
| 5 | Sanitas | CHF 453.20 | View |
| 6 | sana24 | CHF 472.60 | View |
| 7 | CSS | CHF 478.00 | View |
| 8 | Steffisburg | CHF 482.00 | View |
| 9 | SWICA | CHF 483.50 | View |
| 10 | ÖKK | CHF 486.10 | View |
| 11 | Sumiswalder | CHF 489.50 | View |
| 12 | Assura-Basis | CHF 490.40 | View |
| 13 | CONCORDIA | CHF 491.70 | View |
| 14 | Mutuel | CHF 502.20 | View |
| 15 | EGK | CHF 504.30 | View |
| 16 | Avenir | CHF 507.70 | View |
| 17 | sodalis | CHF 508.40 | View |
| 18 | Philos | CHF 510.30 | View |
| 19 | SLKK | CHF 520.50 | View |
| 20 | Agrisano | CHF 521.60 | View |
| 21 | Aquilana | CHF 523.40 | View |
| 22 | Galenos | CHF 531.00 | View |
| 23 | Luzerner Hinterland | CHF 535.80 | View |
| 24 | vita surselva | CHF 549.10 | View |
| 25 | rhenusana | CHF 607.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.