CONCORDIA — Region 3 of canton Bern, 2026 premiums
CONCORDIA covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 347.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CONCORDIA ranks 12 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 CONCORDIA to Agrisano, the cheapest insurer in this region, saves CHF 577.20 a year for an adult on the same profile.
The full CONCORDIA table
208 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 586.40 | CHF 527.80 | CHF 495.60 | CHF 507.30 |
| 500 | CHF 574.80 | CHF 516.20 | CHF 484.00 | CHF 495.70 |
| 1'000 | CHF 545.60 | CHF 487.00 | CHF 454.80 | CHF 466.50 |
| 1'500 | CHF 516.40 | CHF 457.80 | CHF 425.60 | CHF 437.30 |
| 2'000 | CHF 487.30 | CHF 428.70 | CHF 396.50 | CHF 408.20 |
| 2'500 | CHF 458.10 | CHF 399.50 | CHF 367.30 | CHF 379.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 439.80 | CHF 395.90 | CHF 371.70 | CHF 380.50 |
| 500 | CHF 428.20 | CHF 384.30 | CHF 360.10 | CHF 368.90 |
| 1'000 | CHF 399.00 | CHF 355.10 | CHF 330.90 | CHF 339.70 |
| 1'500 | CHF 369.80 | CHF 325.90 | CHF 301.70 | CHF 310.50 |
| 2'000 | CHF 340.70 | CHF 296.80 | CHF 272.60 | CHF 281.40 |
| 2'500 | CHF 311.50 | CHF 267.60 | CHF 243.40 | CHF 252.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 70.40 | CHF 63.40 | CHF 59.50 | CHF 60.90 |
| 100 | CHF 64.60 | CHF 57.60 | CHF 53.70 | CHF 55.10 |
| 200 | CHF 58.80 | CHF 51.80 | CHF 47.90 | CHF 49.30 |
| 300 | CHF 52.90 | CHF 45.90 | CHF 42.00 | CHF 43.40 |
| 400 | CHF 47.10 | CHF 40.10 | CHF 37.30 | CHF 37.60 |
| 500 | CHF 41.30 | CHF 37.30 | CHF 37.30 | CHF 37.30 |
| 600 | CHF 37.30 | CHF 37.30 | CHF 37.30 | CHF 37.30 |
With or without accident cover
With accident cover: CHF 586.40 a month. Without: CHF 554.20. Dropping it saves CHF 386.40 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 450.90 in 2025 to CHF 347.10 — a rise of 9.9 %.
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 |
| 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 |
| Avenir | CHF 509.60 | 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.