Sanitas Médecin de famille 3 — Region 3, Bern
Region 3, Bern: the Médecin de famille 3 model from Sanitas costs CHF 529.65 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 529.65, Médecin de famille 3 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 3 costs CHF 478.20 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 529.65 | CHF 493.10 |
| 500 | CHF 518.05 | CHF 482.30 |
| 1'000 | CHF 488.85 | CHF 455.10 |
| 1'500 | CHF 459.65 | CHF 427.95 |
| 2'000 | CHF 430.55 | CHF 400.85 |
| 2'500 | CHF 401.35 | CHF 373.65 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 355.20 | CHF 330.70 |
| 500 | CHF 343.60 | CHF 319.90 |
| 1'000 | CHF 314.40 | CHF 292.70 |
| 1'500 | CHF 285.20 | CHF 265.50 |
| 2'000 | CHF 256.10 | CHF 238.45 |
| 2'500 | CHF 226.90 | CHF 211.25 |
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.