CHF 2'500 deductible in Region 3 of canton Bern
At a CHF 2'500 deductible, 26 insurers offer a premium in Region 3 of canton Bern. The lowest is CHF 337.20 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 2'500 deductible saves CHF 1'323.60 a year on the premium.
What it risks
In exchange you must cover CHF 2'200 more yourself before the insurance steps in. The tipping point is CHF 1'623.60 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
26 insurers at a CHF 2'500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 337.20 | View |
| 2 | Visana | CHF 339.40 | View |
| 3 | Sumiswalder | CHF 355.30 | View |
| 4 | Helsana | CHF 355.30 | View |
| 5 | ÖKK | CHF 357.00 | View |
| 6 | SWICA | CHF 357.60 | View |
| 7 | sana24 | CHF 359.40 | View |
| 8 | KPT | CHF 359.80 | View |
| 9 | EGK | CHF 362.80 | View |
| 10 | Sanitas | CHF 367.15 | View |
| 11 | CONCORDIA | CHF 367.30 | View |
| 12 | Luzerner Hinterland | CHF 368.50 | View |
| 13 | CSS | CHF 368.70 | View |
| 14 | sodalis | CHF 369.70 | View |
| 15 | Aquilana | CHF 372.70 | View |
| 16 | Assura-Basis | CHF 374.00 | View |
| 17 | Galenos | CHF 378.80 | View |
| 18 | Steffisburg | CHF 381.60 | View |
| 19 | Avenir | CHF 381.60 | View |
| 20 | Atupri | CHF 382.40 | View |
| 21 | Vivao Sympany | CHF 384.80 | View |
| 22 | SLKK | CHF 385.40 | View |
| 23 | Mutuel | CHF 401.00 | View |
| 24 | Philos | CHF 408.20 | View |
| 25 | vita surselva | CHF 439.40 | View |
| 26 | rhenusana | CHF 465.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.