CHF 2'000 deductible in Region 2 of canton Bern
At a CHF 2'000 deductible, 25 insurers offer a premium in Region 2 of canton Bern. The lowest is CHF 396.70 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 2'000 deductible saves CHF 1'162.80 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 1'462.80 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 396.70 | View |
| 2 | ÖKK | CHF 404.30 | View |
| 3 | Helsana | CHF 409.20 | View |
| 4 | Assura-Basis | CHF 410.80 | View |
| 5 | Agrisano | CHF 411.80 | View |
| 6 | EGK | CHF 412.60 | View |
| 7 | SWICA | CHF 413.20 | View |
| 8 | CSS | CHF 414.70 | View |
| 9 | Atupri | CHF 418.50 | View |
| 10 | Sumiswalder | CHF 423.90 | View |
| 11 | Vivao Sympany | CHF 425.90 | View |
| 12 | SLKK | CHF 429.40 | View |
| 13 | CONCORDIA | CHF 430.50 | View |
| 14 | Steffisburg | CHF 431.40 | View |
| 15 | sodalis | CHF 441.20 | View |
| 16 | Luzerner Hinterland | CHF 442.60 | View |
| 17 | sana24 | CHF 442.60 | View |
| 18 | Sanitas | CHF 446.20 | View |
| 19 | Aquilana | CHF 446.60 | View |
| 20 | Avenir | CHF 447.00 | View |
| 21 | Galenos | CHF 447.50 | View |
| 22 | Mutuel | CHF 454.10 | View |
| 23 | Philos | CHF 455.50 | View |
| 24 | rhenusana | CHF 516.40 | View |
| 25 | vita surselva | CHF 527.40 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.