Family doctor with a CHF 300 deductible in Region 2 of canton Bern

23 insurers offer a Family doctor with a CHF 300 deductible in Region 2. The lowest premium is CHF 508.30 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 566.10, this combination saves CHF 693.60 a year.

Where the saving comes from

The model contributes about CHF 693.60 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 508.30	View
2	Assura-Basis	PharMed	CHF 509.90	View
3	SWICA	FAVORIT MULTICHOICE	CHF 512.40	View
4	CSS	Gesundheitspraxisversicherung	CHF 513.80	View
5	ÖKK	Hausarzt	CHF 514.80	View
6	KPT	KPTwin.win	CHF 520.10	View
7	Sumiswalder	Hausarzt	CHF 520.90	View
8	Visana	Med Direct	CHF 527.60	View
9	SLKK	SLKK-HomeCare	CHF 528.30	View
10	Steffisburg	Medcasa	CHF 530.40	View
11	Vivao Sympany	casamed pharm	CHF 534.20	View
12	Atupri	CareMed	CHF 537.80	View
13	Sanitas	Hausarztmodell 1	CHF 545.30	View
14	Luzerner Hinterland	Hausmed	CHF 547.55	View
15	Avenir	PrimaCare	CHF 552.30	View
16	Aquilana	CASAMED	CHF 553.80	View
17	EGK	EGK-Care	CHF 558.60	View
18	CONCORDIA	MyDoc	CHF 564.10	View
19	Galenos	Med Direct	CHF 569.70	View
20	Mutuel	PrimaCare	CHF 575.20	View
21	Philos	PrimaCare	CHF 580.60	View
22	vita surselva	Sparmed	CHF 624.15	View
23	rhenusana	Hausarzt-Modell	CHF 637.10	View

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