ÖKK — Region 1 of canton Bern, 2026 premiums
ÖKK covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 432.70 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 11 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from ÖKK to Visana, the cheapest insurer in this region, saves CHF 541.20 a year for an adult on the same profile.
The full ÖKK table
160 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 665.00 | CHF 598.50 | CHF 585.20 | CHF 598.50 |
| 500 | CHF 653.40 | CHF 586.90 | CHF 573.60 | CHF 586.90 |
| 1'000 | CHF 624.20 | CHF 557.70 | CHF 544.40 | CHF 557.70 |
| 1'500 | CHF 595.00 | CHF 528.50 | CHF 515.20 | CHF 528.50 |
| 2'000 | CHF 565.90 | CHF 499.40 | CHF 486.10 | CHF 499.40 |
| 2'500 | CHF 536.70 | CHF 470.20 | CHF 465.20 | CHF 470.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 482.20 | CHF 434.00 | CHF 424.30 | CHF 434.00 |
| 500 | CHF 470.60 | CHF 422.40 | CHF 412.70 | CHF 422.40 |
| 1'000 | CHF 441.40 | CHF 393.20 | CHF 383.50 | CHF 393.20 |
| 1'500 | CHF 412.20 | CHF 364.00 | CHF 354.30 | CHF 364.00 |
| 2'000 | CHF 383.10 | CHF 334.90 | CHF 325.20 | CHF 334.90 |
| 2'500 | CHF 353.90 | CHF 305.70 | CHF 304.30 | CHF 305.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 146.30 | CHF 131.70 | CHF 128.80 | CHF 131.70 |
| 200 | CHF 134.70 | CHF 120.10 | CHF 117.20 | CHF 120.10 |
| 400 | CHF 123.00 | CHF 108.40 | CHF 105.50 | CHF 108.40 |
| 600 | CHF 111.30 | CHF 96.70 | CHF 93.80 | CHF 96.70 |
With or without accident cover
With accident cover: CHF 665.00 a month. Without: CHF 618.50. Dropping it saves CHF 558.00 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 559.00 in 2025 to CHF 432.70 — a rise of 4.7 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| KPT | CHF 578.10 | View |
| Steffisburg | CHF 581.10 | View |
| SWICA | CHF 582.70 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| Mutuel | CHF 601.20 | View |
| EGK | CHF 603.40 | View |
| Avenir | CHF 606.70 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| Luzerner Hinterland | CHF 634.95 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.