sana24 — Region 3 of canton Bern, 2026 premiums
sana24 covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 335.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
sana24 ranks 7 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 sana24 to Agrisano, the cheapest insurer in this region, saves CHF 483.60 a year for an adult on the same profile.
The full sana24 table
312 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 | HMO | Other model |
|---|---|---|---|
| 300 | CHF 567.10 | CHF 521.20 | CHF 487.80 |
| 500 | CHF 555.40 | CHF 509.50 | CHF 476.10 |
| 1'000 | CHF 526.30 | CHF 480.40 | CHF 446.90 |
| 1'500 | CHF 497.10 | CHF 451.20 | CHF 417.80 |
| 2'000 | CHF 467.90 | CHF 422.00 | CHF 388.60 |
| 2'500 | CHF 438.80 | CHF 392.90 | CHF 359.40 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | HMO | Other model |
|---|---|---|---|
| 300 | CHF 438.50 | CHF 403.40 | CHF 412.20 |
| 500 | CHF 426.80 | CHF 391.70 | CHF 400.50 |
| 1'000 | CHF 397.60 | CHF 362.60 | CHF 371.30 |
| 1'500 | CHF 368.50 | CHF 333.40 | CHF 342.20 |
| 2'000 | CHF 339.30 | CHF 304.20 | CHF 313.00 |
| 2'500 | CHF 310.10 | CHF 275.10 | CHF 283.80 |
Children Up to age 18.
| Deductible | Free choice of doctor | HMO | Other model |
|---|---|---|---|
| 0 | CHF 57.10 | CHF 51.70 | CHF 56.50 |
| 100 | CHF 53.10 | CHF 48.10 | CHF 52.60 |
| 200 | CHF 49.10 | CHF 44.60 | CHF 48.60 |
| 300 | CHF 45.20 | CHF 41.00 | CHF 44.70 |
| 400 | CHF 41.20 | CHF 37.40 | CHF 40.80 |
| 500 | CHF 37.20 | CHF 33.80 | CHF 36.90 |
| 600 | CHF 33.30 | CHF 30.70 | CHF 32.90 |
With or without accident cover
With accident cover: CHF 567.10 a month. Without: CHF 530.00. Dropping it saves CHF 445.20 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 482.90 in 2025 to CHF 335.90 — a rise of 1.0 %.
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 |
| 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.