CSS or Assura-Basis in Region 1 of canton Bern?
In Region 1, CSS is CHF 148.80 a year cheaper than Assura-Basis for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
CSS comes down to CHF 577.10 a month, Assura-Basis to CHF 589.50. The gap is CHF 148.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to CSS is worth CHF 444.00 more a year. Visana
Where they stand in the region
CSS ranks 7 and Assura-Basis ranks 13, out of 26 active insurers in this region.
Deductible by deductible
With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.
| Deductible | CSS | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 683.00 | CHF 689.40 | − 6.40 |
| 500 | CHF 671.40 | CHF 677.80 | − 6.40 |
| 1'000 | CHF 642.20 | CHF 648.60 | − 6.40 |
| 1'500 | CHF 613.00 | CHF 619.40 | − 6.40 |
| 2'000 | CHF 583.90 | CHF 590.30 | − 6.40 |
| 2'500 | CHF 554.70 | CHF 561.10 | − 6.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Assura-Basis |
|---|---|---|
| Family doctor | CHF 577.10 | CHF 589.50 |
| Other model | CHF 614.70 | — |
| Free choice of doctor | CHF 683.00 | CHF 689.40 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and Assura-Basis by + 2.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.