CSS or Assura-Basis in Region 3 of canton Bern?
In Region 3, CSS is CHF 63.60 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 497.00 a month, Assura-Basis to CHF 502.30. The gap is CHF 63.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to CSS is worth CHF 594.00 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and Assura-Basis ranks 17, 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 570.00 | CHF 577.30 | − 7.30 |
| 500 | CHF 558.40 | CHF 565.70 | − 7.30 |
| 1'000 | CHF 529.20 | CHF 536.50 | − 7.30 |
| 1'500 | CHF 500.00 | CHF 507.30 | − 7.30 |
| 2'000 | CHF 470.90 | CHF 478.20 | − 7.30 |
| 2'500 | CHF 441.70 | CHF 449.00 | − 7.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Assura-Basis |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 502.30 |
| Other model | CHF 513.00 | — |
| Free choice of doctor | CHF 570.00 | CHF 577.30 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and Assura-Basis by + 2.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.