Philos — Region 2 of canton Bern, 2026 premiums
Philos covers the 212 municipalities of Region 2 in canton Bern. Its lowest adult premium here is CHF 396.60 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Philos ranks 24 out of 26 active insurers in Region 2, cheapest to dearest.
The regional average across insurers is CHF 532.22 a month.
What staying costs
Moving from Philos to Visana, the cheapest insurer in this region, saves CHF 730.80 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 652.30 | CHF 580.60 | CHF 554.50 | CHF 557.80 |
| 500 | CHF 640.80 | CHF 569.10 | CHF 543.00 | CHF 546.30 |
| 1'000 | CHF 611.80 | CHF 540.10 | CHF 514.00 | CHF 517.30 |
| 1'500 | CHF 582.30 | CHF 510.60 | CHF 484.50 | CHF 487.80 |
| 2'000 | CHF 553.30 | CHF 481.60 | CHF 455.50 | CHF 458.80 |
| 2'500 | CHF 524.30 | CHF 452.60 | CHF 426.50 | CHF 429.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 452.20 | CHF 411.50 | CHF 393.40 | CHF 382.10 |
| 500 | CHF 440.70 | CHF 400.00 | CHF 381.90 | CHF 370.60 |
| 1'000 | CHF 411.70 | CHF 371.00 | CHF 352.90 | CHF 341.60 |
| 1'500 | CHF 382.20 | CHF 341.50 | CHF 323.40 | CHF 312.10 |
| 2'000 | CHF 353.20 | CHF 312.50 | CHF 294.40 | CHF 283.10 |
| 2'500 | CHF 324.20 | CHF 283.50 | CHF 265.40 | CHF 254.10 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 106.10 | CHF 97.60 | CHF 94.40 | CHF 93.90 |
| 100 | CHF 101.80 | CHF 93.30 | CHF 90.10 | CHF 89.60 |
| 200 | CHF 97.40 | CHF 88.90 | CHF 85.70 | CHF 85.20 |
| 300 | CHF 93.00 | CHF 84.50 | CHF 81.30 | CHF 80.80 |
| 400 | CHF 88.60 | CHF 80.20 | CHF 77.00 | CHF 76.40 |
| 500 | CHF 84.30 | CHF 75.80 | CHF 72.60 | CHF 72.10 |
| 600 | CHF 79.90 | CHF 71.40 | CHF 68.20 | CHF 67.70 |
With or without accident cover
With accident cover: CHF 652.30 a month. Without: CHF 606.70. Dropping it saves CHF 547.20 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 535.20 in 2025 to CHF 396.60 — a rise of 3.6 %.
The 212 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 2 of canton Bern, not to the municipality.
Aarberg · Aefligen · Aegerten · Alchenstorf · Allmendingen · Amsoldingen · Arch · Arni (BE) · Bargen (BE) · Bellmund · Belp · Belprahon · Biglen · Blumenstein · Bowil · Brenzikofen · Brügg · Brüttelen · Buchholterberg · Burgdorf · Burgistein · Bäriswil · Bätterkinden · Büetigen · Bühl · Büren an der Aare · Champoz · Corcelles (BE) · Corgémont · Cormoret · Cortébert · Court · Courtelary · Crémines · Deisswil bei Münchenbuchsee · Diessbach bei Büren · Dotzigen · Epsach · Eriz · Erlach · Ersigen · Eschert · Fahrni · Ferenbalm · Finsterhennen · Forst-Längenbühl · Fraubrunnen · Frauenkappelen · Freimettigen · Gals · Gampelen · Gerzensee · Grandval · Grossaffoltern · Grosshöchstetten · Guggisberg · Gurbrü · Gurzelen · Hagneck · Hasle bei Burgdorf · Heiligenschwendi · Heimberg · Heimiswil · Hellsau · Herbligen · Hermrigen · Hilterfingen · Hindelbank · Homberg · Horrenbach-Buchen · Häutligen · Höchstetten · Iffwil · Ins · Ipsach · Jaberg · Jegenstorf · Jens · Kallnach · Kappelen · Kaufdorf · Kehrsatz · Kernenried · Kiesen · Kirchberg (BE) · Kirchdorf (BE) · Konolfingen · Koppigen · Krauchthal · Kriechenwil · La Ferrière · La Neuveville · Landiswil · Laupen · Lengnau (BE) · Leuzigen · Ligerz · Linden · Loveresse · Lyss · Lyssach · Lüscherz · Mattstetten · Meienried · Meikirch · Meinisberg · Merzligen · Mirchel · Mont-Tramelan · Moosseedorf · Mörigen · Mühleberg · Münchenbuchsee · Münchenwiler · Münsingen · Müntschemier · Neuenegg · Nidau · Niederhünigen · Niedermuhlern · Nods · Oberburg · Oberdiessbach · Oberhofen am Thunersee · Oberhünigen · Oberlangenegg · Oberthal · Oberwil bei Büren · Oppligen · Orpund · Orvin · Perrefitte · Petit-Val · Pieterlen · Plateau de Diesse · Pohlern · Port · Péry-La Heutte · Radelfingen · Rapperswil (BE) · Rebévelier · Reconvilier · Renan (BE) · Reutigen · Riggisberg · Roches (BE) · Romont (BE) · Rubigen · Rumendingen · Rüdtligen-Alchenflüh · Rüeggisberg · Rüschegg · Rüti bei Büren · Rüti bei Lyssach · Safnern · Saicourt · Saint-Imier · Sauge · Saules (BE) · Schelten · Scheuren · Schwadernau · Schwarzenburg · Schüpfen · Seedorf (BE) · Seehof · Seftigen · Sigriswil · Siselen · Sonceboz-Sombeval · Sonvilier · Sorvilier · Steffisburg · Studen (BE) · Sutz-Lattrigen · Tavannes · Teuffenthal (BE) · Thierachern · Thun · Thurnen · Toffen · Tramelan · Treiten · Tschugg · Twann-Tüscherz · Täuffelen · Uebeschi · Uetendorf · Unterlangenegg · Urtenen-Schönbühl · Uttigen · Utzenstorf · Valbirse · Villeret · Vinelz · Wachseldorn · Wald (BE) · Walkringen · Walperswil · Wattenwil · Wengi · Wichtrach · Wiggiswil · Wiler bei Utzenstorf · Wileroltigen · Willadingen · Worb · Worben · Wynigen · Zielebach · Zuzwil (BE) · Zäziwil
The other insurers in Region 2
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 493.60 | View |
| Agrisano | CHF 497.10 | View |
| ÖKK | CHF 503.40 | View |
| Helsana | CHF 508.30 | View |
| Assura-Basis | CHF 509.90 | View |
| EGK | CHF 511.70 | View |
| SWICA | CHF 512.40 | View |
| CSS | CHF 513.80 | View |
| SLKK | CHF 516.60 | View |
| Atupri | CHF 517.60 | View |
| KPT | CHF 520.10 | View |
| Sumiswalder | CHF 520.90 | View |
| Vivao Sympany | CHF 525.10 | View |
| CONCORDIA | CHF 529.60 | View |
| Steffisburg | CHF 530.40 | View |
| sodalis | CHF 531.00 | View |
| Aquilana | CHF 535.50 | View |
| Luzerner Hinterland | CHF 541.75 | View |
| sana24 | CHF 541.80 | View |
| Sanitas | CHF 545.30 | View |
| Avenir | CHF 546.00 | View |
| Galenos | CHF 546.70 | View |
| Mutuel | CHF 553.10 | View |
| rhenusana | CHF 607.40 | View |
| vita surselva | CHF 624.15 | View |
Source: Federal Office of Public Health (FOPH), official premiums.