Avenir PrimaFlex — Region 3, Bern
Region 3, Bern: the PrimaFlex model from Avenir costs CHF 512.50 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 512.50, PrimaFlex 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, PrimaFlex costs CHF 838.80 less per year than Avenir'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 512.50 | CHF 476.70 |
| 500 | CHF 501.50 | CHF 466.40 |
| 1'000 | CHF 474.00 | CHF 440.90 |
| 1'500 | CHF 446.00 | CHF 414.80 |
| 2'000 | CHF 418.40 | CHF 389.20 |
| 2'500 | CHF 390.90 | CHF 363.60 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 374.10 | CHF 347.90 |
| 500 | CHF 362.60 | CHF 337.20 |
| 1'000 | CHF 333.60 | CHF 310.30 |
| 1'500 | CHF 304.10 | CHF 282.80 |
| 2'000 | CHF 275.10 | CHF 255.90 |
| 2'500 | CHF 246.10 | CHF 228.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 114.80 | CHF 106.80 |
| 100 | CHF 109.00 | CHF 101.40 |
| 200 | CHF 103.20 | CHF 96.00 |
| 300 | CHF 97.30 | CHF 90.50 |
| 400 | CHF 91.50 | CHF 85.10 |
| 500 | CHF 85.70 | CHF 79.80 |
| 600 | CHF 79.80 | CHF 74.30 |
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.