Family doctor with a CHF 300 deductible in Region 1 of canton Bern

23 insurers offer a Family doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 548.90 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 631.00, this combination saves CHF 985.20 a year.

Where the saving comes from

The model contributes about CHF 985.20 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

23 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Helsana	BeneFit PLUS Hausarzt R1	CHF 548.90	View
2	Sanitas	Hausarztmodell 1	CHF 552.30	View
3	Vivao Sympany	casamed pharm	CHF 555.30	View
4	CSS	Gesundheitspraxisversicherung	CHF 577.10	View
5	Steffisburg	Medcasa	CHF 581.10	View
6	KPT	KPTwin.win	CHF 583.80	View
7	Sumiswalder	Hausarzt	CHF 586.50	View
8	Assura-Basis	Qualimed	CHF 589.50	View
9	Atupri	CareMed	CHF 590.40	View
10	SWICA	FAVORIT MULTICHOICE	CHF 593.10	View
11	Visana	Med Direct	CHF 597.30	View
12	ÖKK	Hausarzt	CHF 598.50	View
13	EGK	EGK-Care	CHF 603.40	View
14	Avenir	PrimaCare	CHF 613.60	View
15	SLKK	SLKK-HomeCare	CHF 621.50	View
16	Mutuel	PrimaCare	CHF 625.20	View
17	CONCORDIA	MyDoc	CHF 629.20	View
18	Aquilana	CASAMED	CHF 633.70	View
19	Philos	PrimaCare	CHF 638.00	View
20	Luzerner Hinterland	Hausmed	CHF 641.75	View
21	vita surselva	Sparmed	CHF 646.00	View
22	Galenos	Med Direct	CHF 647.30	View
23	rhenusana	Hausarzt-Modell	CHF 732.40	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.