Other model with a CHF 300 deductible in Region 3 of canton Bern

24 insurers offer a Other model with a CHF 300 deductible in Region 3. The lowest premium is CHF 447.50 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 874.80 a year.

Where the saving comes from

The model contributes about CHF 874.80 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

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

Rank	Insurer	Plan name	Premium
1	Agrisano	AGRIsmart	CHF 447.50	View
2	Visana	Combi Care	CHF 473.70	View
3	Sumiswalder	Telmed	CHF 481.30	View
4	Helsana	BeneFit PLUS Telmed	CHF 483.60	View
5	ÖKK	Select	CHF 487.80	View
6	sana24	Combi Care	CHF 487.80	View
7	KPT	KPTwin.smart	CHF 488.10	View
8	Aquilana	SMARTMED	CHF 491.00	View
9	EGK	EGK-TelCare	CHF 491.10	View
10	Luzerner Hinterland	Telmed	CHF 496.85	View
11	sodalis	Digimed	CHF 498.00	View
12	SLKK	SLKK-SmartMed	CHF 498.30	View
13	Galenos	Combi Care	CHF 507.20	View
14	CONCORDIA	smartDoc	CHF 507.30	View
15	Atupri	SmartCare	CHF 510.70	View
16	Avenir	PrimaFlex	CHF 512.50	View
17	Sanitas	TelMed (Compact One)	CHF 512.60	View
18	CSS	Callmed	CHF 513.00	View
19	Vivao Sympany	FlexHelp 24	CHF 513.10	View
20	SWICA	FAVORIT TELMED	CHF 513.10	View
21	Steffisburg	Sanmed24	CHF 524.00	View
22	Mutuel	SanaTel	CHF 529.00	View
23	Philos	PrimaFlex	CHF 539.40	View
24	rhenusana	sanmed24	CHF 583.10	View

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