Sumiswalder Hausarzt — Region 3, Bern
Region 3, Bern: the Hausarzt model from Sumiswalder costs CHF 481.30 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 481.30, Hausarzt 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, Hausarzt costs CHF 501.60 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 481.30 | CHF 447.60 |
| 500 | CHF 470.00 | CHF 437.10 |
| 1'000 | CHF 441.70 | CHF 410.80 |
| 1'500 | CHF 413.10 | CHF 384.20 |
| 2'000 | CHF 384.30 | CHF 357.40 |
| 2'500 | CHF 355.30 | CHF 330.50 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 351.40 | CHF 326.80 |
| 500 | CHF 340.10 | CHF 316.30 |
| 1'000 | CHF 311.80 | CHF 290.00 |
| 1'500 | CHF 283.20 | CHF 263.40 |
| 2'000 | CHF 254.40 | CHF 236.60 |
| 2'500 | CHF 225.40 | CHF 209.70 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 111.30 | CHF 103.60 |
| 100 | CHF 105.80 | CHF 98.40 |
| 200 | CHF 100.60 | CHF 93.60 |
| 300 | CHF 94.80 | CHF 88.20 |
| 400 | CHF 89.30 | CHF 83.10 |
| 500 | CHF 83.30 | CHF 77.50 |
| 600 | CHF 78.30 | CHF 72.90 |
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
- 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.