Family doctor with a CHF 300 deductible in Region 3 of canton Bern

23 insurers offer a Family doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 481.30 a month for an adult, accident cover included.

What this combination earns

Against free choice of doctor at the minimum deductible, whose lowest premium is CHF 520.40, this combination saves CHF 469.20 a year.

Where the saving comes from

The model contributes about CHF 469.20 a year — the part paid for in freedom to choose your doctor, at the same CHF 300 deductible.

The two parts do not add up exactly: insurers do not price the two choices independently. The total above is the real figure; the breakdown gives the order of magnitude of each lever.

What the deductible risks

This is the minimum deductible: no extra risk compared with the reference.

The insurers, cheapest to dearest

23 insurers offer this combination in this region, with the trade name of their plan.

Rank	Insurer	Plan name	Premium
1	Sumiswalder	Hausarzt	CHF 481.30	View
2	Visana	Med Direct	CHF 487.20	View
3	ÖKK	Hausarzt	CHF 487.80	View
4	Helsana	BeneFit PLUS Hausarzt R2	CHF 489.30	View
5	SWICA	FAVORIT CASA	CHF 494.50	View
6	Sanitas	Hausarztmodell 1	CHF 495.45	View
7	CSS	Hausarztversicherung Profit	CHF 497.00	View
8	KPT	KPTwin.win	CHF 497.10	View
9	Luzerner Hinterland	Hausmed	CHF 502.10	View
10	Assura-Basis	PharMed	CHF 502.30	View
11	Steffisburg	Medcasa	CHF 506.60	View
12	Aquilana	CASAMED	CHF 507.80	View
13	SLKK	SLKK-HomeCare	CHF 509.70	View
14	EGK	EGK-Care	CHF 510.90	View
15	Vivao Sympany	casamed pharm	CHF 513.10	View
16	Avenir	PrimaCare	CHF 515.40	View
17	Atupri	CareMed	CHF 525.20	View
18	CONCORDIA	MyDoc	CHF 527.80	View
19	Galenos	Med Direct	CHF 530.00	View
20	Mutuel	PrimaCare	CHF 550.20	View
21	Philos	PrimaCare	CHF 561.40	View
22	vita surselva	Sparmed	CHF 563.35	View
23	rhenusana	Hausarzt-Modell	CHF 611.70	View

Source: Federal Office of Public Health (FOPH), official premiums. 2026.