Philos — Region 3 of canton Bern, 2026 premiums
Philos covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 379.60 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 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from Philos to Agrisano, the cheapest insurer in this region, saves CHF 1'064.40 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 630.80 | CHF 561.40 | CHF 536.20 | CHF 539.40 |
| 500 | CHF 619.30 | CHF 549.90 | CHF 524.70 | CHF 527.90 |
| 1'000 | CHF 590.30 | CHF 520.90 | CHF 495.70 | CHF 498.90 |
| 1'500 | CHF 560.80 | CHF 491.40 | CHF 466.20 | CHF 469.40 |
| 2'000 | CHF 531.80 | CHF 462.40 | CHF 437.20 | CHF 440.40 |
| 2'500 | CHF 502.80 | CHF 433.40 | CHF 408.20 | CHF 411.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 437.30 | CHF 398.00 | CHF 380.50 | CHF 369.50 |
| 500 | CHF 425.80 | CHF 386.50 | CHF 369.00 | CHF 358.00 |
| 1'000 | CHF 396.80 | CHF 357.50 | CHF 340.00 | CHF 329.00 |
| 1'500 | CHF 367.30 | CHF 328.00 | CHF 310.50 | CHF 299.50 |
| 2'000 | CHF 338.30 | CHF 299.00 | CHF 281.50 | CHF 270.50 |
| 2'500 | CHF 309.30 | CHF 270.00 | CHF 252.50 | CHF 241.50 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 102.60 | CHF 94.40 | CHF 91.30 | CHF 90.80 |
| 100 | CHF 98.30 | CHF 90.10 | CHF 87.00 | CHF 86.50 |
| 200 | CHF 93.90 | CHF 85.70 | CHF 82.60 | CHF 82.10 |
| 300 | CHF 89.50 | CHF 81.30 | CHF 78.20 | CHF 77.70 |
| 400 | CHF 85.10 | CHF 76.90 | CHF 73.90 | CHF 73.30 |
| 500 | CHF 80.80 | CHF 72.60 | CHF 69.50 | CHF 69.00 |
| 600 | CHF 76.40 | CHF 68.20 | CHF 65.10 | CHF 64.60 |
With or without accident cover
With accident cover: CHF 630.80 a month. Without: CHF 586.70. Dropping it saves CHF 529.20 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 517.50 in 2025 to CHF 379.60 — a rise of 3.6 %.
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 |
| ÖKK | CHF 477.00 | 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 |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.