Helsana or Sanitas in Region 2 of canton Bern?
In Region 2, Helsana is CHF 444.00 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
Helsana comes down to CHF 508.30 a month, Sanitas to CHF 545.30. The gap is CHF 444.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Helsana is worth CHF 176.40 more a year. Visana
Where they stand in the region
Helsana ranks 4 and Sanitas ranks 20, 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 | Helsana | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 598.00 | CHF 626.80 | − 28.80 |
| 500 | CHF 586.40 | CHF 615.20 | − 28.80 |
| 1'000 | CHF 557.20 | CHF 586.00 | − 28.80 |
| 1'500 | CHF 528.00 | CHF 556.80 | − 28.80 |
| 2'000 | CHF 498.90 | CHF 527.70 | − 28.80 |
| 2'500 | CHF 469.70 | CHF 498.50 | − 28.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Family doctor | CHF 508.30 | CHF 545.30 |
| Other model | CHF 520.20 | CHF 551.60 |
| Free choice of doctor | CHF 598.00 | CHF 626.80 |
| HMO practice | — | CHF 570.40 |
How they moved in this region
Against 2025, Helsana moves by + 3.5 % and Sanitas by + 3.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.