CHF 500 deductible in Region 3 of canton Bern
At a CHF 500 deductible, 26 insurers offer a premium in Region 3 of canton Bern. The lowest is CHF 437.50 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 500 deductible saves CHF 120.00 a year on the premium.
What it risks
In exchange you must cover CHF 200 more yourself before the insurance steps in. The tipping point is CHF 420.00 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 500 deductible in this region. Adult premium, accident cover included.
| Rank | Insurer | Premium | |
|---|---|---|---|
| 1 | Agrisano | CHF 437.50 | View |
| 2 | Visana | CHF 458.90 | View |
| 3 | ÖKK | CHF 465.40 | View |
| 4 | Sumiswalder | CHF 470.00 | View |
| 5 | Helsana | CHF 472.00 | View |
| 6 | SWICA | CHF 474.20 | View |
| 7 | sana24 | CHF 476.10 | View |
| 8 | KPT | CHF 476.50 | View |
| 9 | EGK | CHF 479.50 | View |
| 10 | Aquilana | CHF 481.00 | View |
| 11 | Sanitas | CHF 483.85 | View |
| 12 | CONCORDIA | CHF 484.00 | View |
| 13 | Luzerner Hinterland | CHF 485.15 | View |
| 14 | CSS | CHF 485.40 | View |
| 15 | sodalis | CHF 486.40 | View |
| 16 | SLKK | CHF 488.10 | View |
| 17 | Assura-Basis | CHF 490.70 | View |
| 18 | Steffisburg | CHF 495.00 | View |
| 19 | Galenos | CHF 495.50 | View |
| 20 | Avenir | CHF 498.10 | View |
| 21 | Atupri | CHF 499.10 | View |
| 22 | Vivao Sympany | CHF 501.40 | View |
| 23 | Mutuel | CHF 517.50 | View |
| 24 | Philos | CHF 524.70 | View |
| 25 | vita surselva | CHF 552.10 | View |
| 26 | rhenusana | CHF 572.60 | View |
Source: Federal Office of Public Health (FOPH), official premiums. 2026.