CHF 1'000 deductible in Region 3 of canton Bern
At a CHF 1'000 deductible, 26 insurers offer a premium in Region 3 of canton Bern. The lowest is CHF 412.50 a month for an adult, accident cover included.
What this deductible earns
Against the minimum 300-franc deductible, whose lowest premium is CHF 447.50, the CHF 1'000 deductible saves CHF 420.00 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 720.00 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 | Agrisano | CHF 412.50 | View |
| 2 | Visana | CHF 425.80 | View |
| 3 | ÖKK | CHF 436.20 | View |
| 4 | Sumiswalder | CHF 441.70 | View |
| 5 | Helsana | CHF 442.80 | View |
| 6 | sana24 | CHF 446.90 | View |
| 7 | KPT | CHF 447.30 | View |
| 8 | EGK | CHF 450.30 | View |
| 9 | SWICA | CHF 450.80 | View |
| 10 | Sanitas | CHF 454.65 | View |
| 11 | CONCORDIA | CHF 454.80 | View |
| 12 | Aquilana | CHF 455.60 | View |
| 13 | Luzerner Hinterland | CHF 456.00 | View |
| 14 | CSS | CHF 456.20 | View |
| 15 | sodalis | CHF 458.40 | View |
| 16 | Assura-Basis | CHF 461.50 | View |
| 17 | SLKK | CHF 462.40 | View |
| 18 | Steffisburg | CHF 465.90 | View |
| 19 | Galenos | CHF 466.30 | View |
| 20 | Avenir | CHF 469.10 | View |
| 21 | Atupri | CHF 469.90 | View |
| 22 | Vivao Sympany | CHF 472.30 | View |
| 23 | Mutuel | CHF 488.50 | View |
| 24 | Philos | CHF 495.70 | View |
| 25 | vita surselva | CHF 523.90 | View |
| 26 | rhenusana | CHF 545.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.