Free choice of doctor with a CHF 300 deductible in Region 3 of canton Bern
26 insurers offer a Free choice of doctor with a CHF 300 deductible in Region 3. The lowest premium is CHF 520.40 a month for an adult, accident cover included.
Where the saving comes from
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
26 insurers offer this combination in this region, with the trade name of their plan.
| Rank | Insurer | Plan name | Premium | |
|---|---|---|---|---|
| 1 | Agrisano | Grundversicherung | CHF 520.40 | View |
| 2 | Sumiswalder | Grundversicherung | CHF 523.10 | View |
| 3 | Luzerner Hinterland | Grundversicherung | CHF 528.55 | View |
| 4 | ÖKK | Grundversicherung | CHF 542.00 | View |
| 5 | Visana | Grundversicherung | CHF 542.50 | View |
| 6 | sodalis | Grundversicherung | CHF 555.00 | View |
| 7 | Aquilana | Grundversicherung | CHF 564.20 | View |
| 8 | SLKK | Grundversicherung | CHF 566.30 | View |
| 9 | sana24 | Grundversicherung | CHF 567.10 | View |
| 10 | Helsana | Grundversicherung | CHF 569.00 | View |
| 11 | Sanitas | Grundversicherung | CHF 569.50 | View |
| 12 | CSS | Grundversicherung | CHF 570.00 | View |
| 13 | EGK | Grundversicherung | CHF 571.00 | View |
| 14 | SWICA | Grundversicherung | CHF 571.60 | View |
| 15 | Assura-Basis | Grundversicherung | CHF 577.30 | View |
| 16 | KPT | Grundversicherung | CHF 578.00 | View |
| 17 | Steffisburg | Grundversicherung | CHF 582.20 | View |
| 18 | Avenir | Grundversicherung | CHF 582.40 | View |
| 19 | Vivao Sympany | Grundversicherung | CHF 583.00 | View |
| 20 | Atupri | Grundversicherung | CHF 583.60 | View |
| 21 | Galenos | Grundversicherung | CHF 584.90 | View |
| 22 | CONCORDIA | Grundversicherung | CHF 586.40 | View |
| 23 | vita surselva | Grundversicherung | CHF 593.00 | View |
| 24 | Mutuel | Grundversicherung | CHF 604.60 | View |
| 25 | Philos | Grundversicherung | CHF 630.80 | View |
| 26 | rhenusana | Grundversicherung | CHF 633.80 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.