Galenos — Region 3 of canton Bern, 2026 premiums
Galenos covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 354.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Galenos ranks 19 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 Galenos to Agrisano, the cheapest insurer in this region, saves CHF 716.40 a year for an adult on the same profile.
The full Galenos table
260 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 | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 584.90 | CHF 530.00 | CHF 507.70 | CHF 507.20 |
| 500 | CHF 573.20 | CHF 518.30 | CHF 496.10 | CHF 495.50 |
| 1'000 | CHF 544.10 | CHF 489.10 | CHF 466.90 | CHF 466.30 |
| 1'500 | CHF 514.90 | CHF 460.00 | CHF 437.70 | CHF 437.20 |
| 2'000 | CHF 485.70 | CHF 430.80 | CHF 408.60 | CHF 408.00 |
| 2'500 | CHF 456.60 | CHF 401.60 | CHF 379.40 | CHF 378.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 427.10 | CHF 391.70 | CHF 377.60 | CHF 394.70 |
| 500 | CHF 415.40 | CHF 380.00 | CHF 365.90 | CHF 383.00 |
| 1'000 | CHF 386.30 | CHF 350.80 | CHF 336.80 | CHF 353.80 |
| 1'500 | CHF 357.10 | CHF 321.70 | CHF 307.60 | CHF 324.70 |
| 2'000 | CHF 327.90 | CHF 292.50 | CHF 278.40 | CHF 295.50 |
| 2'500 | CHF 298.80 | CHF 263.30 | CHF 249.30 | CHF 266.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 58.90 | CHF 53.20 | CHF 51.10 | CHF 52.20 |
| 100 | CHF 54.80 | CHF 49.50 | CHF 47.50 | CHF 48.60 |
| 200 | CHF 50.70 | CHF 45.80 | CHF 44.00 | CHF 45.00 |
| 300 | CHF 46.60 | CHF 42.10 | CHF 40.40 | CHF 41.40 |
| 400 | CHF 42.50 | CHF 38.40 | CHF 36.90 | CHF 37.70 |
| 500 | CHF 38.40 | CHF 34.70 | CHF 33.30 | CHF 34.10 |
| 600 | CHF 34.30 | CHF 31.70 | CHF 31.70 | CHF 31.70 |
With or without accident cover
With accident cover: CHF 584.90 a month. Without: CHF 546.70. Dropping it saves CHF 458.40 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 531.20 in 2025 to CHF 354.10 — a fall of 4.5 %.
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 |
| CSS | CHF 497.00 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | 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.