CHF 2'500 deductible in Region 1 of canton Bern
At a CHF 2'500 deductible, 26 insurers offer a premium in Region 1 of canton Bern. The lowest is CHF 417.10 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 2'500 deductible saves CHF 1'476.00 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'776.00 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 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 417.10 | View |
| 2 | Vivao Sympany | CHF 417.50 | View |
| 3 | Atupri | CHF 420.60 | View |
| 4 | Helsana | CHF 420.60 | View |
| 5 | Sanitas | CHF 424.00 | View |
| 6 | sana24 | CHF 443.50 | View |
| 7 | CSS | CHF 448.80 | View |
| 8 | KPT | CHF 449.80 | View |
| 9 | Steffisburg | CHF 452.80 | View |
| 10 | SWICA | CHF 454.30 | View |
| 11 | Sumiswalder | CHF 460.50 | View |
| 12 | Assura-Basis | CHF 461.20 | View |
| 13 | CONCORDIA | CHF 462.50 | View |
| 14 | ÖKK | CHF 465.20 | View |
| 15 | sodalis | CHF 469.90 | View |
| 16 | Mutuel | CHF 473.20 | View |
| 17 | EGK | CHF 475.10 | View |
| 18 | Avenir | CHF 478.70 | View |
| 19 | Philos | CHF 481.30 | View |
| 20 | Aquilana | CHF 492.40 | View |
| 21 | SLKK | CHF 494.80 | View |
| 22 | Agrisano | CHF 495.20 | View |
| 23 | Galenos | CHF 501.80 | View |
| 24 | Luzerner Hinterland | CHF 506.65 | View |
| 25 | vita surselva | CHF 520.05 | View |
| 26 | rhenusana | CHF 580.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.