Sanitas — Region 3 of canton Bern, 2026 premiums
Sanitas covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 341.80 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Sanitas ranks 11 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 Sanitas to Agrisano, the cheapest insurer in this region, saves CHF 575.40 a year for an adult on the same profile.
The full Sanitas table
304 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 569.50 | CHF 495.45 | CHF 518.30 | CHF 512.60 |
| 500 | CHF 557.90 | CHF 483.85 | CHF 506.70 | CHF 501.00 |
| 1'000 | CHF 528.70 | CHF 454.65 | CHF 477.50 | CHF 471.80 |
| 1'500 | CHF 499.50 | CHF 425.45 | CHF 448.30 | CHF 442.60 |
| 2'000 | CHF 470.40 | CHF 396.35 | CHF 419.20 | CHF 413.50 |
| 2'500 | CHF 441.20 | CHF 367.15 | CHF 390.00 | CHF 384.30 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 366.20 | CHF 351.55 | CHF 355.30 | CHF 351.60 |
| 500 | CHF 354.60 | CHF 339.95 | CHF 343.70 | CHF 340.00 |
| 1'000 | CHF 325.40 | CHF 310.75 | CHF 314.50 | CHF 310.80 |
| 1'500 | CHF 296.20 | CHF 281.55 | CHF 285.30 | CHF 281.60 |
| 2'000 | CHF 267.10 | CHF 252.45 | CHF 256.20 | CHF 252.50 |
| 2'500 | CHF 237.90 | CHF 223.25 | CHF 227.00 | CHF 223.30 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 116.80 | CHF 113.25 | CHF 114.50 | CHF 112.20 |
| 100 | CHF 111.00 | CHF 107.45 | CHF 108.70 | CHF 106.40 |
| 200 | CHF 105.20 | CHF 101.65 | CHF 102.90 | CHF 100.60 |
| 300 | CHF 99.30 | CHF 95.75 | CHF 97.00 | CHF 94.70 |
| 400 | CHF 93.50 | CHF 89.95 | CHF 91.20 | CHF 88.90 |
| 500 | CHF 87.70 | CHF 84.15 | CHF 85.40 | CHF 83.10 |
| 600 | CHF 81.80 | CHF 78.25 | CHF 79.50 | CHF 77.20 |
With or without accident cover
With accident cover: CHF 569.50 a month. Without: CHF 530.30. Dropping it saves CHF 470.40 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 485.90 in 2025 to CHF 341.80 — a rise of 2.0 %.
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 |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | 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.