CHF 1'500 deductible in Region 3 of canton Bern
At a CHF 1'500 deductible, 26 insurers offer a premium in Region 3 of canton Bern. The lowest is CHF 387.30 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 1'500 deductible saves CHF 722.40 a year on the premium.
What it risks
In exchange you must cover CHF 1'200 more yourself before the insurance steps in. The tipping point is CHF 1'022.40 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 1'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 387.30 | View |
| 2 | Visana | CHF 396.60 | View |
| 3 | ÖKK | CHF 407.00 | View |
| 4 | Sumiswalder | CHF 413.10 | View |
| 5 | Helsana | CHF 413.60 | View |
| 6 | sana24 | CHF 417.80 | View |
| 7 | KPT | CHF 418.10 | View |
| 8 | EGK | CHF 421.10 | View |
| 9 | SWICA | CHF 421.60 | View |
| 10 | Sanitas | CHF 425.45 | View |
| 11 | CONCORDIA | CHF 425.60 | View |
| 12 | Luzerner Hinterland | CHF 426.85 | View |
| 13 | CSS | CHF 427.00 | View |
| 14 | Aquilana | CHF 427.60 | View |
| 15 | Assura-Basis | CHF 432.30 | View |
| 16 | sodalis | CHF 433.30 | View |
| 17 | Steffisburg | CHF 436.70 | View |
| 18 | SLKK | CHF 436.70 | View |
| 19 | Galenos | CHF 437.20 | View |
| 20 | Avenir | CHF 439.60 | View |
| 21 | Atupri | CHF 440.70 | View |
| 22 | Vivao Sympany | CHF 443.10 | View |
| 23 | Mutuel | CHF 459.00 | View |
| 24 | Philos | CHF 466.20 | View |
| 25 | vita surselva | CHF 495.75 | View |
| 26 | rhenusana | CHF 519.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.