Sumiswalder Hausarzt — Region 2, Bern
Region 2, Bern: the Hausarzt model from Sumiswalder costs CHF 520.90 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 520.90, Hausarzt is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, Hausarzt costs CHF 542.40 less per year than Sumiswalder'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 520.90 | CHF 484.40 |
| 500 | CHF 509.60 | CHF 474.00 |
| 1'000 | CHF 481.30 | CHF 447.70 |
| 1'500 | CHF 452.70 | CHF 421.10 |
| 2'000 | CHF 423.90 | CHF 394.30 |
| 2'500 | CHF 394.90 | CHF 367.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 380.30 | CHF 353.70 |
| 500 | CHF 369.00 | CHF 343.20 |
| 1'000 | CHF 340.70 | CHF 316.90 |
| 1'500 | CHF 312.10 | CHF 290.30 |
| 2'000 | CHF 283.30 | CHF 263.50 |
| 2'500 | CHF 254.30 | CHF 236.50 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 119.90 | CHF 111.60 |
| 100 | CHF 114.40 | CHF 106.40 |
| 200 | CHF 109.20 | CHF 101.60 |
| 300 | CHF 103.40 | CHF 96.20 |
| 400 | CHF 97.90 | CHF 91.10 |
| 500 | CHF 91.90 | CHF 85.50 |
| 600 | CHF 86.90 | CHF 80.90 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Valais — Region 1
- Valais — Region 2
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.