Philos — Region 1 of canton Bern, 2026 premiums
Philos covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 447.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 20 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 Philos to Visana, the cheapest insurer in this region, saves CHF 830.40 a year for an adult on the same profile.
The full Philos table
260 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 716.80 | CHF 638.00 | CHF 609.30 | CHF 612.90 |
| 500 | CHF 705.30 | CHF 626.50 | CHF 597.80 | CHF 601.40 |
| 1'000 | CHF 676.30 | CHF 597.50 | CHF 568.80 | CHF 572.40 |
| 1'500 | CHF 646.80 | CHF 568.00 | CHF 539.30 | CHF 542.90 |
| 2'000 | CHF 617.80 | CHF 539.00 | CHF 510.30 | CHF 513.90 |
| 2'500 | CHF 588.80 | CHF 510.00 | CHF 481.30 | CHF 484.90 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 496.90 | CHF 452.20 | CHF 432.40 | CHF 419.90 |
| 500 | CHF 485.40 | CHF 440.70 | CHF 420.90 | CHF 408.40 |
| 1'000 | CHF 456.40 | CHF 411.70 | CHF 391.90 | CHF 379.40 |
| 1'500 | CHF 426.90 | CHF 382.20 | CHF 362.40 | CHF 349.90 |
| 2'000 | CHF 397.90 | CHF 353.20 | CHF 333.40 | CHF 320.90 |
| 2'500 | CHF 368.90 | CHF 324.20 | CHF 304.40 | CHF 291.90 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 116.60 | CHF 107.30 | CHF 103.80 | CHF 103.20 |
| 100 | CHF 112.20 | CHF 102.90 | CHF 99.40 | CHF 98.80 |
| 200 | CHF 107.90 | CHF 98.60 | CHF 95.10 | CHF 94.50 |
| 300 | CHF 103.50 | CHF 94.20 | CHF 90.70 | CHF 90.10 |
| 400 | CHF 99.10 | CHF 89.80 | CHF 86.30 | CHF 85.70 |
| 500 | CHF 94.80 | CHF 85.50 | CHF 82.00 | CHF 81.40 |
| 600 | CHF 90.30 | CHF 81.00 | CHF 77.50 | CHF 76.90 |
With or without accident cover
With accident cover: CHF 716.80 a month. Without: CHF 666.70. Dropping it saves CHF 601.20 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 588.10 in 2025 to CHF 447.60 — a rise of 3.6 %.
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 |
| ÖKK | CHF 585.20 | 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 |
| 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.