Helsana or Sanitas in Region 3 of canton Bern?
In Region 3, Helsana is CHF 142.20 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 483.60 a month, Sanitas to CHF 495.45. The gap is CHF 142.20 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 Helsana is worth CHF 433.20 more a year. Agrisano
Where they stand in the region
Helsana ranks 5 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 | Helsana | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 569.00 | CHF 569.50 | − 0.50 |
| 500 | CHF 557.40 | CHF 557.90 | − 0.50 |
| 1'000 | CHF 528.20 | CHF 528.70 | − 0.50 |
| 1'500 | CHF 499.00 | CHF 499.50 | − 0.50 |
| 2'000 | CHF 469.90 | CHF 470.40 | − 0.50 |
| 2'500 | CHF 440.70 | CHF 441.20 | − 0.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Sanitas |
|---|---|---|
| Other model | CHF 483.60 | CHF 512.60 |
| Family doctor | CHF 489.30 | CHF 495.45 |
| Free choice of doctor | CHF 569.00 | CHF 569.50 |
| HMO practice | — | CHF 518.30 |
How they moved in this region
Against 2025, Helsana moves by + 5.1 % and Sanitas by + 2.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.