CSS or Helsana in Region 3 of canton Bern?
In Region 3, Helsana is CHF 160.80 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
Helsana comes down to CHF 483.60 a month, CSS to CHF 497.00. The gap is CHF 160.80 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 Helsana is worth CHF 433.20 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and Helsana ranks 5, 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 570.00 | CHF 569.00 | + 1.00 |
| 500 | CHF 558.40 | CHF 557.40 | + 1.00 |
| 1'000 | CHF 529.20 | CHF 528.20 | + 1.00 |
| 1'500 | CHF 500.00 | CHF 499.00 | + 1.00 |
| 2'000 | CHF 470.90 | CHF 469.90 | + 1.00 |
| 2'500 | CHF 441.70 | CHF 440.70 | + 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 489.30 |
| Other model | CHF 513.00 | CHF 483.60 |
| Free choice of doctor | CHF 570.00 | CHF 569.00 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and Helsana by + 5.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.