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Centre de santé or Médecin de famille — Region 2, Bern

Region 2, Bern: with ÖKK, Centre de santé costs CHF 503.40 a month in 2026 and Médecin de famille CHF 514.80, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.

Centre de santé is the cheaper of the two here: CHF 136.80 saved per year against Médecin de famille, for cover identical under the law. What you pay more or less for is the care pathway.

What you accept in each case

Centre de santé is a "Group practice (HMO)" model. Médecin de famille is a "Family doctor" model.

  • Centre de santé

    Group practice (HMO)

    You go to a designated group practice, which coordinates your care.

  • Médecin de famille

    Family doctor

    You pick a family doctor and always go to them first.

The price at every deductible

DeductibleCentre de santéMédecin de familleGap per year
300CHF 503.40CHF 514.80CHF 136.80
500CHF 491.80CHF 503.20CHF 136.80
1'000CHF 462.60CHF 474.00CHF 136.80
1'500CHF 433.40CHF 444.80CHF 136.80
2'000CHF 404.30CHF 415.70CHF 136.80
2'500CHF 383.40CHF 386.50CHF 37.20

The comparison, region by region

An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.

Compare every insurer

Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.