Aquilana SMARTMED — Region 3, Bern
Region 3, Bern: the SMARTMED model from Aquilana costs CHF 491.00 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 491.00, SMARTMED is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, SMARTMED costs CHF 878.40 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 491.00 | CHF 456.80 |
| 500 | CHF 481.00 | CHF 447.50 |
| 1'000 | CHF 455.60 | CHF 423.70 |
| 1'500 | CHF 427.60 | CHF 397.70 |
| 2'000 | CHF 402.40 | CHF 374.20 |
| 2'500 | CHF 372.70 | CHF 346.70 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 363.40 | CHF 338.00 |
| 500 | CHF 353.30 | CHF 328.60 |
| 1'000 | CHF 327.90 | CHF 305.00 |
| 1'500 | CHF 300.80 | CHF 279.80 |
| 2'000 | CHF 275.60 | CHF 256.30 |
| 2'500 | CHF 247.40 | CHF 230.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.10 | CHF 105.20 |
| 100 | CHF 108.10 | CHF 100.60 |
| 200 | CHF 103.00 | CHF 95.90 |
| 300 | CHF 97.30 | CHF 90.50 |
| 400 | CHF 92.20 | CHF 85.80 |
| 500 | CHF 86.10 | CHF 80.20 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.