Aquilana SMARTMED — Region 1, Bern
Region 1, Bern: the SMARTMED model from Aquilana costs CHF 612.70 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 612.70, SMARTMED is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 1'096.80 less per year than Aquilana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 612.70 | CHF 570.00 |
| 500 | CHF 602.60 | CHF 560.60 |
| 1'000 | CHF 577.20 | CHF 536.80 |
| 1'500 | CHF 548.60 | CHF 510.30 |
| 2'000 | CHF 523.40 | CHF 486.80 |
| 2'500 | CHF 492.40 | CHF 457.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 453.40 | CHF 421.80 |
| 500 | CHF 443.50 | CHF 412.50 |
| 1'000 | CHF 418.10 | CHF 388.90 |
| 1'500 | CHF 390.40 | CHF 363.20 |
| 2'000 | CHF 365.10 | CHF 339.60 |
| 2'500 | CHF 335.90 | CHF 312.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 141.00 | CHF 131.20 |
| 100 | CHF 136.10 | CHF 126.50 |
| 200 | CHF 131.10 | CHF 122.00 |
| 300 | CHF 125.10 | CHF 116.40 |
| 400 | CHF 120.00 | CHF 111.60 |
| 500 | CHF 113.70 | CHF 105.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.