CSS or Sanitas in Region 3 of canton Bern?
In Region 3, Sanitas is CHF 18.60 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
Sanitas comes down to CHF 495.45 a month, CSS to CHF 497.00. The gap is CHF 18.60 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 Sanitas is worth CHF 575.40 more a year. Agrisano
Where they stand in the region
CSS ranks 14 and Sanitas ranks 11, 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 570.00 | CHF 569.50 | + 0.50 |
| 500 | CHF 558.40 | CHF 557.90 | + 0.50 |
| 1'000 | CHF 529.20 | CHF 528.70 | + 0.50 |
| 1'500 | CHF 500.00 | CHF 499.50 | + 0.50 |
| 2'000 | CHF 470.90 | CHF 470.40 | + 0.50 |
| 2'500 | CHF 441.70 | CHF 441.20 | + 0.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 497.00 | CHF 495.45 |
| Other model | CHF 513.00 | CHF 512.60 |
| Free choice of doctor | CHF 570.00 | CHF 569.50 |
| HMO practice | — | CHF 518.30 |
How they moved in this region
Against 2025, CSS moves by + 7.8 % and Sanitas by + 2.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.