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Sophie

CSS or EGK in Region 1 of canton Bern?

In Region 1, CSS is CHF 315.60 a year cheaper than EGK 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, EGK to CHF 603.40. The gap is CHF 315.60 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 EGK 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.

DeductibleCSSEGKGap
300CHF 683.00CHF 689.50− 6.50
500CHF 671.40CHF 677.90− 6.50
1'000CHF 642.20CHF 648.70− 6.50
1'500CHF 613.00CHF 619.50− 6.50
2'000CHF 583.90CHF 590.40− 6.50
2'500CHF 554.70CHF 561.20− 6.50

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelCSSEGK
Family doctorCHF 577.10CHF 603.40
Other modelCHF 614.70CHF 603.40
Free choice of doctorCHF 683.00CHF 689.50

How they moved in this region

Against 2025, CSS moves by + 3.5 % and EGK by + 4.1 % in this region.

CSS, EGK, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.