Helsana — Region 3 of canton Bern, 2026 premiums
Helsana covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 330.50 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Helsana ranks 5 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 Helsana to Agrisano, the cheapest insurer in this region, saves CHF 433.20 a year for an adult on the same profile.
The full Helsana table
252 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 569.00 | CHF 489.30 | CHF 483.60 |
| 500 | CHF 557.40 | CHF 477.70 | CHF 472.00 |
| 1'000 | CHF 528.20 | CHF 448.50 | CHF 442.80 |
| 1'500 | CHF 499.00 | CHF 419.30 | CHF 413.60 |
| 2'000 | CHF 469.90 | CHF 390.20 | CHF 384.50 |
| 2'500 | CHF 440.70 | CHF 361.00 | CHF 355.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 300 | CHF 455.20 | CHF 391.40 | CHF 386.90 |
| 500 | CHF 443.60 | CHF 379.80 | CHF 375.30 |
| 1'000 | CHF 414.40 | CHF 350.60 | CHF 346.10 |
| 1'500 | CHF 385.20 | CHF 321.40 | CHF 316.90 |
| 2'000 | CHF 356.10 | CHF 292.30 | CHF 287.80 |
| 2'500 | CHF 326.90 | CHF 263.10 | CHF 258.60 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | Other model |
|---|---|---|---|
| 0 | CHF 130.80 | CHF 112.40 | CHF 111.10 |
| 500 | CHF 101.70 | CHF 83.30 | CHF 82.00 |
With or without accident cover
With accident cover: CHF 569.00 a month. Without: CHF 529.20. Dropping it saves CHF 477.60 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 460.10 in 2025 to CHF 330.50 — a rise of 5.1 %.
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 |
| 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 |
| 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.