Avenir — Region 3 of canton Bern, 2026 premiums
Avenir covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 354.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Avenir ranks 20 out of 26 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from Avenir to Agrisano, the cheapest insurer in this region, saves CHF 745.20 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 582.40 | CHF 515.40 | CHF 509.60 | CHF 512.50 |
| 500 | CHF 570.90 | CHF 503.90 | CHF 498.10 | CHF 501.50 |
| 1'000 | CHF 541.90 | CHF 474.90 | CHF 469.10 | CHF 474.00 |
| 1'500 | CHF 512.40 | CHF 445.40 | CHF 439.60 | CHF 446.00 |
| 2'000 | CHF 483.40 | CHF 416.40 | CHF 410.60 | CHF 418.40 |
| 2'500 | CHF 454.40 | CHF 387.40 | CHF 381.60 | CHF 390.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 422.70 | CHF 382.60 | CHF 369.90 | CHF 374.10 |
| 500 | CHF 411.20 | CHF 371.10 | CHF 358.40 | CHF 362.60 |
| 1'000 | CHF 382.20 | CHF 342.10 | CHF 329.40 | CHF 333.60 |
| 1'500 | CHF 352.70 | CHF 312.60 | CHF 299.90 | CHF 304.10 |
| 2'000 | CHF 323.70 | CHF 283.60 | CHF 270.90 | CHF 275.10 |
| 2'500 | CHF 294.70 | CHF 254.60 | CHF 241.90 | CHF 246.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 96.30 | CHF 89.00 | CHF 86.10 | CHF 86.10 |
| 100 | CHF 91.90 | CHF 84.70 | CHF 81.80 | CHF 81.80 |
| 200 | CHF 87.60 | CHF 80.30 | CHF 77.40 | CHF 77.40 |
| 300 | CHF 83.10 | CHF 75.90 | CHF 73.00 | CHF 73.00 |
| 400 | CHF 78.80 | CHF 71.60 | CHF 68.70 | CHF 68.70 |
| 500 | CHF 74.40 | CHF 67.20 | CHF 64.30 | CHF 64.30 |
| 600 | CHF 70.00 | CHF 62.80 | CHF 59.90 | CHF 59.90 |
With or without accident cover
With accident cover: CHF 582.40 a month. Without: CHF 541.70. Dropping it saves CHF 488.40 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 487.20 in 2025 to CHF 354.90 — a rise of 4.6 %.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Bern, not to the municipality.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
The other insurers in Region 3
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 447.50 | View |
| Visana | CHF 465.50 | View |
| ÖKK | CHF 477.00 | View |
| Sumiswalder | CHF 481.30 | View |
| Helsana | CHF 483.60 | View |
| SWICA | CHF 485.90 | View |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | View |
| Sanitas | CHF 495.45 | View |
| CONCORDIA | CHF 495.60 | View |
| Luzerner Hinterland | CHF 496.85 | View |
| CSS | CHF 497.00 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | View |
| Galenos | CHF 507.20 | View |
| Atupri | CHF 510.70 | View |
| Vivao Sympany | CHF 513.10 | View |
| Mutuel | CHF 529.00 | View |
| Philos | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.