Free choice of doctor with a CHF 300 deductible in Region 1 of canton Bern
26 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 1. The lowest premium is CHF 631.00 a month for an adult, accident cover included.
Where the saving comes from
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
26 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Vivao Sympany | Grundversicherung | CHF 631.00 | View |
| 2 | Helsana | Grundversicherung | CHF 631.00 | View |
| 3 | Sanitas | Grundversicherung | CHF 634.80 | View |
| 4 | Sumiswalder | Grundversicherung | CHF 637.50 | View |
| 5 | Atupri | Grundversicherung | CHF 648.10 | View |
| 6 | Steffisburg | Grundversicherung | CHF 664.10 | View |
| 7 | sana24 | Grundversicherung | CHF 664.80 | View |
| 8 | ÖKK | Grundversicherung | CHF 665.00 | View |
| 9 | Visana | Grundversicherung | CHF 665.10 | View |
| 10 | sodalis | Grundversicherung | CHF 671.00 | View |
| 11 | Luzerner Hinterland | Grundversicherung | CHF 675.50 | View |
| 12 | Agrisano | Grundversicherung | CHF 675.50 | View |
| 13 | vita surselva | Grundversicherung | CHF 680.00 | View |
| 14 | CSS | Grundversicherung | CHF 683.00 | View |
| 15 | Mutuel | Grundversicherung | CHF 687.00 | View |
| 16 | Assura-Basis | Grundversicherung | CHF 689.40 | View |
| 17 | EGK | Grundversicherung | CHF 689.50 | View |
| 18 | KPT | Grundversicherung | CHF 690.60 | View |
| 19 | SLKK | Grundversicherung | CHF 690.60 | View |
| 20 | Avenir | Grundversicherung | CHF 693.30 | View |
| 21 | SWICA | Grundversicherung | CHF 693.60 | View |
| 22 | CONCORDIA | Grundversicherung | CHF 699.10 | View |
| 23 | Aquilana | Grundversicherung | CHF 704.10 | View |
| 24 | Galenos | Grundversicherung | CHF 712.80 | View |
| 25 | Philos | Grundversicherung | CHF 716.80 | View |
| 26 | rhenusana | Grundversicherung | CHF 758.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.