CHF 2'000 deductible in Region 3 of canton Bern
At a CHF 2'000 deductible, 25 insurers offer a premium in Region 3 of canton Bern. The lowest is CHF 362.20 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 2'000 deductible saves CHF 1'023.60 a year on the premium.
What it risks
In exchange you must cover CHF 1'700 more yourself before the insurance steps in. The tipping point is CHF 1'323.60 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
25 insurers at a CHF 2'000 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 362.20 | View |
| 2 | Visana | CHF 368.50 | View |
| 3 | ÖKK | CHF 377.90 | View |
| 4 | Sumiswalder | CHF 384.30 | View |
| 5 | Helsana | CHF 384.50 | View |
| 6 | SWICA | CHF 386.70 | View |
| 7 | sana24 | CHF 388.60 | View |
| 8 | EGK | CHF 392.00 | View |
| 9 | Sanitas | CHF 396.35 | View |
| 10 | CONCORDIA | CHF 396.50 | View |
| 11 | Luzerner Hinterland | CHF 397.65 | View |
| 12 | CSS | CHF 397.90 | View |
| 13 | Aquilana | CHF 402.40 | View |
| 14 | Assura-Basis | CHF 403.20 | View |
| 15 | Steffisburg | CHF 407.50 | View |
| 16 | Galenos | CHF 408.00 | View |
| 17 | sodalis | CHF 408.20 | View |
| 18 | Avenir | CHF 410.60 | View |
| 19 | SLKK | CHF 411.10 | View |
| 20 | Atupri | CHF 411.60 | View |
| 21 | Vivao Sympany | CHF 413.90 | View |
| 22 | Mutuel | CHF 430.00 | View |
| 23 | Philos | CHF 437.20 | View |
| 24 | vita surselva | CHF 467.60 | View |
| 25 | rhenusana | CHF 492.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.