Sanitas Médecin de famille 1 — Region 3, Bern
Region 3, Bern: the Médecin de famille 1 model from Sanitas costs CHF 495.45 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 495.45, Médecin de famille 1 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, Médecin de famille 1 costs CHF 888.60 less per year than Sanitas'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 495.45 | CHF 461.25 |
| 500 | CHF 483.85 | CHF 450.45 |
| 1'000 | CHF 454.65 | CHF 423.30 |
| 1'500 | CHF 425.45 | CHF 396.10 |
| 2'000 | CHF 396.35 | CHF 369.00 |
| 2'500 | CHF 367.15 | CHF 341.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.55 | CHF 327.30 |
| 500 | CHF 339.95 | CHF 316.50 |
| 1'000 | CHF 310.75 | CHF 289.30 |
| 1'500 | CHF 281.55 | CHF 262.10 |
| 2'000 | CHF 252.45 | CHF 235.05 |
| 2'500 | CHF 223.25 | CHF 207.85 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 113.25 | CHF 105.45 |
| 100 | CHF 107.45 | CHF 100.05 |
| 200 | CHF 101.65 | CHF 94.65 |
| 300 | CHF 95.75 | CHF 89.15 |
| 400 | CHF 89.95 | CHF 83.75 |
| 500 | CHF 84.15 | CHF 78.35 |
| 600 | CHF 78.25 | CHF 72.85 |
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.