CHF 500 deductible in Region 2 of canton Bern
At a CHF 500 deductible, 26 insurers offer a premium in Region 2 of canton Bern. The lowest is CHF 486.90 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 500 deductible saves CHF 80.40 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 380.40 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Visana | CHF 486.90 | View |
| 2 | Agrisano | CHF 487.00 | View |
| 3 | ÖKK | CHF 491.80 | View |
| 4 | Helsana | CHF 496.70 | View |
| 5 | Assura-Basis | CHF 498.30 | View |
| 6 | EGK | CHF 500.10 | View |
| 7 | SWICA | CHF 500.70 | View |
| 8 | CSS | CHF 502.20 | View |
| 9 | Atupri | CHF 506.00 | View |
| 10 | SLKK | CHF 506.40 | View |
| 11 | KPT | CHF 508.50 | View |
| 12 | Sumiswalder | CHF 509.60 | View |
| 13 | Vivao Sympany | CHF 513.40 | View |
| 14 | CONCORDIA | CHF 518.00 | View |
| 15 | Steffisburg | CHF 518.80 | View |
| 16 | sodalis | CHF 519.40 | View |
| 17 | Aquilana | CHF 525.40 | View |
| 18 | Luzerner Hinterland | CHF 530.10 | View |
| 19 | sana24 | CHF 530.10 | View |
| 20 | Sanitas | CHF 533.70 | View |
| 21 | Avenir | CHF 534.50 | View |
| 22 | Galenos | CHF 535.00 | View |
| 23 | Mutuel | CHF 541.60 | View |
| 24 | Philos | CHF 543.00 | View |
| 25 | rhenusana | CHF 596.90 | View |
| 26 | vita surselva | CHF 612.90 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.