CHF 1'000 deductible in Region 2 of canton Bern
At a CHF 1'000 deductible, 26 insurers offer a premium in Region 2 of canton Bern. The lowest is CHF 453.90 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 493.60, the CHF 1'000 deductible saves CHF 476.40 a year on the premium.
What it risks
In exchange you must cover CHF 700 more yourself before the insurance steps in. The tipping point is CHF 776.40 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 1'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 453.90 | View |
| 2 | Agrisano | CHF 462.00 | View |
| 3 | ÖKK | CHF 462.60 | View |
| 4 | Helsana | CHF 467.50 | View |
| 5 | Assura-Basis | CHF 469.10 | View |
| 6 | EGK | CHF 470.90 | View |
| 7 | CSS | CHF 473.00 | View |
| 8 | Atupri | CHF 476.80 | View |
| 9 | SWICA | CHF 477.70 | View |
| 10 | KPT | CHF 479.30 | View |
| 11 | SLKK | CHF 480.70 | View |
| 12 | Sumiswalder | CHF 481.30 | View |
| 13 | Vivao Sympany | CHF 484.30 | View |
| 14 | CONCORDIA | CHF 488.80 | View |
| 15 | Steffisburg | CHF 489.60 | View |
| 16 | sodalis | CHF 491.40 | View |
| 17 | Aquilana | CHF 500.00 | View |
| 18 | sana24 | CHF 500.90 | View |
| 19 | Luzerner Hinterland | CHF 500.95 | View |
| 20 | Sanitas | CHF 504.50 | View |
| 21 | Avenir | CHF 505.50 | View |
| 22 | Galenos | CHF 505.90 | View |
| 23 | Mutuel | CHF 512.60 | View |
| 24 | Philos | CHF 514.00 | View |
| 25 | rhenusana | CHF 570.00 | View |
| 26 | vita surselva | CHF 586.70 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.