CSS or Helsana in Region 2 of canton Bern?
In Region 2, Helsana is CHF 66.00 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
Helsana comes down to CHF 508.30 a month, CSS to CHF 513.80. The gap is CHF 66.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Helsana is worth CHF 176.40 more a year. Visana
Where they stand in the region
CSS ranks 8 and Helsana ranks 4, 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 | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 608.00 | CHF 598.00 | + 10.00 |
| 500 | CHF 596.40 | CHF 586.40 | + 10.00 |
| 1'000 | CHF 567.20 | CHF 557.20 | + 10.00 |
| 1'500 | CHF 538.00 | CHF 528.00 | + 10.00 |
| 2'000 | CHF 508.90 | CHF 498.90 | + 10.00 |
| 2'500 | CHF 479.70 | CHF 469.70 | + 10.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 513.80 | CHF 508.30 |
| Other model | CHF 547.20 | CHF 520.20 |
| Free choice of doctor | CHF 608.00 | CHF 598.00 |
How they moved in this region
Against 2025, CSS moves by + 4.7 % and Helsana by + 3.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.