CSS or Sanitas in Region 2 of canton Bern?

In Region 2, CSS is CHF 378.00 a year cheaper than Sanitas 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 513.80 a month, Sanitas to CHF 545.30. The gap is CHF 378.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to CSS is worth CHF 242.40 more a year. Visana

CSS ranks 8 and Sanitas ranks 20, out of 26 active insurers in this region.

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	Sanitas	Gap
300	CHF 608.00	CHF 626.80	− 18.80
500	CHF 596.40	CHF 615.20	− 18.80
1'000	CHF 567.20	CHF 586.00	− 18.80
1'500	CHF 538.00	CHF 556.80	− 18.80
2'000	CHF 508.90	CHF 527.70	− 18.80
2'500	CHF 479.70	CHF 498.50	− 18.80

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

Against 2025, CSS moves by + 4.7 % and Sanitas by + 3.0 % in this region.

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