Vivao Sympany — Region 3 of canton Bern, 2026 premiums
Vivao Sympany covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 357.90 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Vivao Sympany ranks 22 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 Vivao Sympany to Agrisano, the cheapest insurer in this region, saves CHF 787.20 a year for an adult on the same profile.
The full Vivao Sympany table
192 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 583.00 | CHF 513.10 | CHF 524.70 | CHF 513.10 |
| 500 | CHF 571.40 | CHF 501.40 | CHF 513.10 | CHF 501.40 |
| 1'000 | CHF 542.20 | CHF 472.30 | CHF 483.90 | CHF 472.30 |
| 1'500 | CHF 513.00 | CHF 443.10 | CHF 454.70 | CHF 443.10 |
| 2'000 | CHF 483.90 | CHF 413.90 | CHF 425.60 | CHF 413.90 |
| 2'500 | CHF 454.70 | CHF 384.80 | CHF 396.40 | CHF 384.80 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 425.60 | CHF 374.60 | CHF 383.10 | CHF 374.60 |
| 500 | CHF 414.00 | CHF 362.90 | CHF 371.40 | CHF 362.90 |
| 1'000 | CHF 384.80 | CHF 333.70 | CHF 342.20 | CHF 333.70 |
| 1'500 | CHF 355.60 | CHF 304.60 | CHF 313.10 | CHF 304.60 |
| 2'000 | CHF 326.50 | CHF 275.40 | CHF 283.90 | CHF 275.40 |
| 2'500 | CHF 297.30 | CHF 246.20 | CHF 254.70 | CHF 246.20 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 172.00 | CHF 151.40 | CHF 154.80 | CHF 151.40 |
| 200 | CHF 160.40 | CHF 139.70 | CHF 143.20 | CHF 139.70 |
| 400 | CHF 148.70 | CHF 128.10 | CHF 131.50 | CHF 128.10 |
| 600 | CHF 137.00 | CHF 116.40 | CHF 119.80 | CHF 116.40 |
With or without accident cover
With accident cover: CHF 583.00 a month. Without: CHF 542.20. Dropping it saves CHF 489.60 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 480.80 in 2025 to CHF 357.90 — a rise of 6.7 %.
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 |
| 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.