ÖKK — Region 3 of canton Bern, 2026 premiums
ÖKK covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 332.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
ÖKK ranks 3 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 ÖKK to Agrisano, the cheapest insurer in this region, saves CHF 354.00 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 542.00 | CHF 487.80 | CHF 477.00 | CHF 487.80 |
| 500 | CHF 530.40 | CHF 476.20 | CHF 465.40 | CHF 476.20 |
| 1'000 | CHF 501.20 | CHF 447.00 | CHF 436.20 | CHF 447.00 |
| 1'500 | CHF 472.00 | CHF 417.80 | CHF 407.00 | CHF 417.80 |
| 2'000 | CHF 442.90 | CHF 388.70 | CHF 377.90 | CHF 388.70 |
| 2'500 | CHF 413.70 | CHF 359.50 | CHF 357.00 | CHF 359.50 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 393.00 | CHF 353.70 | CHF 345.80 | CHF 353.70 |
| 500 | CHF 381.40 | CHF 342.10 | CHF 334.20 | CHF 342.10 |
| 1'000 | CHF 352.20 | CHF 312.90 | CHF 305.00 | CHF 312.90 |
| 1'500 | CHF 323.00 | CHF 283.70 | CHF 275.80 | CHF 283.70 |
| 2'000 | CHF 293.90 | CHF 254.60 | CHF 246.70 | CHF 254.60 |
| 2'500 | CHF 264.70 | CHF 225.40 | CHF 225.80 | CHF 225.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 119.30 | CHF 107.40 | CHF 105.00 | CHF 107.40 |
| 200 | CHF 107.70 | CHF 95.80 | CHF 93.40 | CHF 95.80 |
| 400 | CHF 96.00 | CHF 84.10 | CHF 81.70 | CHF 84.10 |
| 600 | CHF 84.30 | CHF 72.40 | CHF 70.00 | CHF 72.40 |
With or without accident cover
With accident cover: CHF 542.00 a month. Without: CHF 504.10. Dropping it saves CHF 454.80 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 451.50 in 2025 to CHF 332.10 — a rise of 5.6 %.
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 |
| 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 |
| 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.