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Sophie

CSS or EGK in Region 3 of canton Bern?

In Region 3, EGK is CHF 70.80 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

EGK comes down to CHF 491.10 a month, CSS to CHF 497.00. The gap is CHF 70.80 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 EGK is worth CHF 523.20 more a year. Agrisano

Where they stand in the region

CSS ranks 14 and EGK ranks 10, 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 570.00CHF 571.00− 1.00
500CHF 558.40CHF 559.30− 0.90
1'000CHF 529.20CHF 530.20− 1.00
1'500CHF 500.00CHF 501.00− 1.00
2'000CHF 470.90CHF 471.80− 0.90
2'500CHF 441.70CHF 442.70− 1.00

Model by model

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

ModelCSSEGK
Family doctorCHF 497.00CHF 510.90
Other modelCHF 513.00CHF 491.10
Free choice of doctorCHF 570.00CHF 571.00

How they moved in this region

Against 2025, CSS moves by + 7.8 % and EGK by + 4.0 % 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.