CSS — Region 3 of canton Bern, 2026 premiums
CSS covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 342.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
CSS ranks 14 out of 26 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from CSS to Agrisano, the cheapest insurer in this region, saves CHF 594.00 a year for an adult on the same profile.
The full CSS table
180 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 570.00 | CHF 497.00 | CHF 513.00 |
| 500 | CHF 558.40 | CHF 485.40 | CHF 501.40 |
| 1'000 | CHF 529.20 | CHF 456.20 | CHF 472.20 |
| 1'500 | CHF 500.00 | CHF 427.00 | CHF 443.00 |
| 2'000 | CHF 470.90 | CHF 397.90 | CHF 413.90 |
| 2'500 | CHF 441.70 | CHF 368.70 | CHF 384.70 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 404.70 | CHF 347.90 | CHF 384.80 |
| 500 | CHF 393.10 | CHF 336.30 | CHF 373.20 |
| 1'000 | CHF 363.90 | CHF 307.10 | CHF 344.00 |
| 1'500 | CHF 334.70 | CHF 277.90 | CHF 314.80 |
| 2'000 | CHF 305.60 | CHF 248.80 | CHF 285.70 |
| 2'500 | CHF 276.40 | CHF 219.60 | CHF 256.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 125.40 | CHF 109.30 | CHF 112.90 |
| 100 | CHF 119.60 | CHF 103.50 | CHF 107.10 |
| 200 | CHF 113.80 | CHF 97.70 | CHF 101.30 |
| 300 | CHF 107.90 | CHF 91.80 | CHF 95.40 |
| 400 | CHF 102.10 | CHF 86.00 | CHF 89.60 |
| 600 | CHF 90.40 | CHF 74.30 | CHF 77.90 |
With or without accident cover
With accident cover: CHF 570.00 a month. Without: CHF 530.10. Dropping it saves CHF 478.80 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 461.20 in 2025 to CHF 342.90 — a rise of 7.8 %.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Bern, not to the municipality.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
The other insurers in Region 3
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 447.50 | View |
| Visana | CHF 465.50 | View |
| ÖKK | CHF 477.00 | View |
| Sumiswalder | CHF 481.30 | View |
| Helsana | CHF 483.60 | View |
| SWICA | CHF 485.90 | View |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | View |
| Sanitas | CHF 495.45 | View |
| CONCORDIA | CHF 495.60 | View |
| Luzerner Hinterland | CHF 496.85 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | View |
| Galenos | CHF 507.20 | View |
| Avenir | CHF 509.60 | View |
| Atupri | CHF 510.70 | View |
| Vivao Sympany | CHF 513.10 | View |
| Mutuel | CHF 529.00 | View |
| Philos | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.