Region 3 of canton Bern — 2026 premiums
Region 3 of canton Bern groups 107 municipalities that all pay the same rate. 26 insurers offer premiums here, from CHF 447.50 a month for an adult, 300-franc deductible, accident cover included.
The gap, in francs
Between the cheapest (CHF 447.50) and the dearest (CHF 583.10) in this region there is CHF 1'627.20 a year — for exactly the same cover, defined by law.
The insurers in Region 3, cheapest to dearest
26 active insurers. Each one’s lowest adult premium, 300-franc deductible, accident cover included.
| Rank | Insurer | From | |
|---|---|---|---|
| 1 | Agrisano | CHF 447.50 | View |
| 2 | Visana | CHF 465.50 | View |
| 3 | ÖKK | CHF 477.00 | View |
| 4 | Sumiswalder | CHF 481.30 | View |
| 5 | Helsana | CHF 483.60 | View |
| 6 | SWICA | CHF 485.90 | View |
| 7 | sana24 | CHF 487.80 | View |
| 8 | KPT | CHF 488.10 | View |
| 9 | Aquilana | CHF 491.00 | View |
| 10 | EGK | CHF 491.10 | View |
| 11 | Sanitas | CHF 495.45 | View |
| 12 | CONCORDIA | CHF 495.60 | View |
| 13 | Luzerner Hinterland | CHF 496.85 | View |
| 14 | CSS | CHF 497.00 | View |
| 15 | sodalis | CHF 498.00 | View |
| 16 | SLKK | CHF 498.30 | View |
| 17 | Assura-Basis | CHF 502.30 | View |
| 18 | Steffisburg | CHF 506.60 | View |
| 19 | Galenos | CHF 507.20 | View |
| 20 | Avenir | CHF 509.60 | View |
| 21 | Atupri | CHF 510.70 | View |
| 22 | Vivao Sympany | CHF 513.10 | View |
| 23 | Mutuel | CHF 529.00 | View |
| 24 | Philos | CHF 536.20 | View |
| 25 | vita surselva | CHF 563.35 | View |
| 26 | rhenusana | CHF 583.10 | View |
The lowest price at each deductible
The deductible changes no benefits, only how the risk is shared. Here is what the region’s cheapest insurer charges at each level.
The lowest price for each model
The model limits who you see first, not the treatment. At a 300-franc deductible, here is the region’s lowest rate for each.
| Model | From | Insurer |
|---|---|---|
| Other model | CHF 447.50 | Agrisano |
| HMO practice | CHF 465.50 | Visana |
| Family doctor | CHF 481.30 | Sumiswalder |
| Free choice of doctor | CHF 520.40 | Agrisano |
Where this region sits in canton Bern
It is the cheapest region in canton Bern, out of 3.
Compared with last year
The region’s lowest premium goes from CHF 421.30 in 2025 to CHF 447.50 — a rise of 6.2 %.
What it costs, for someone like you
«What does health insurance cost» has no answer. «What does it cost a student in Fribourg» does. Here are 12 situations, priced on official premiums.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to the region, not the municipality. Moving within this region of canton Bern changes nothing about your premium.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
Source: Federal Office of Public Health (FOPH), official premiums.