Avenir — Region 1 of canton Bern, 2026 premiums
Avenir covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 445.20 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 18 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from Avenir to Visana, the cheapest insurer in this region, saves CHF 799.20 a year for an adult on the same profile.
The full Avenir table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 693.30 | CHF 613.60 | CHF 606.70 | CHF 610.20 |
| 500 | CHF 681.80 | CHF 602.10 | CHF 595.20 | CHF 599.20 |
| 1'000 | CHF 652.80 | CHF 573.10 | CHF 566.20 | CHF 571.70 |
| 1'500 | CHF 623.30 | CHF 543.60 | CHF 536.70 | CHF 543.70 |
| 2'000 | CHF 594.30 | CHF 514.60 | CHF 507.70 | CHF 516.10 |
| 2'500 | CHF 565.30 | CHF 485.60 | CHF 478.70 | CHF 488.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 503.20 | CHF 455.40 | CHF 440.30 | CHF 445.40 |
| 500 | CHF 491.70 | CHF 443.90 | CHF 428.80 | CHF 433.90 |
| 1'000 | CHF 462.70 | CHF 414.90 | CHF 399.80 | CHF 404.90 |
| 1'500 | CHF 433.20 | CHF 385.40 | CHF 370.30 | CHF 375.40 |
| 2'000 | CHF 404.20 | CHF 356.40 | CHF 341.30 | CHF 346.40 |
| 2'500 | CHF 375.20 | CHF 327.40 | CHF 312.30 | CHF 317.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 114.60 | CHF 106.00 | CHF 102.50 | CHF 102.50 |
| 100 | CHF 110.20 | CHF 101.60 | CHF 98.20 | CHF 98.20 |
| 200 | CHF 105.90 | CHF 97.30 | CHF 93.80 | CHF 93.80 |
| 300 | CHF 101.40 | CHF 92.90 | CHF 89.40 | CHF 89.40 |
| 400 | CHF 97.10 | CHF 88.50 | CHF 85.10 | CHF 85.10 |
| 500 | CHF 92.70 | CHF 84.20 | CHF 80.70 | CHF 80.70 |
| 600 | CHF 88.30 | CHF 79.70 | CHF 76.30 | CHF 76.30 |
With or without accident cover
With accident cover: CHF 693.30 a month. Without: CHF 644.80. Dropping it saves CHF 582.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 580.00 in 2025 to CHF 445.20 — a rise of 4.6 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| KPT | CHF 578.10 | View |
| Steffisburg | CHF 581.10 | View |
| SWICA | CHF 582.70 | View |
| ÖKK | CHF 585.20 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| Mutuel | CHF 601.20 | View |
| EGK | CHF 603.40 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| Luzerner Hinterland | CHF 634.95 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.