Visana HMO plus — Region 2, Bern

Name: Visana HMO plus — Region 2, Bern
Brand: Visana
Price: 501.8 CHF

Region 2, Bern: the HMO plus model from Visana costs CHF 501.80 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 501.80, HMO plus 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, HMO plus costs CHF 1'028.40 less per year than Visana's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.

Careful: this model does not cover the whole region

HMO plus is offered in only 60 municipalities of this premium region. Moving a few kilometres can push you out — and nobody will warn you.

The full grid

Adult (26 and over)

Deductible	With accident	Without accident
300	CHF 501.80	CHF 469.00
500	CHF 495.10	CHF 462.80
1'000	CHF 461.00	CHF 430.80
1'500	CHF 431.80	CHF 403.60
2'000	CHF 402.60	CHF 376.30
2'500	CHF 373.50	CHF 349.00

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 359.00	CHF 335.50
500	CHF 352.30	CHF 329.30
1'000	CHF 318.10	CHF 297.40
1'500	CHF 289.00	CHF 270.10
2'000	CHF 259.80	CHF 242.80
2'500	CHF 230.60	CHF 215.60

Child (0–18)

Deductible	With accident	Without accident
0	CHF 117.80	CHF 110.10
100	CHF 111.90	CHF 104.60
200	CHF 106.10	CHF 99.20
300	CHF 100.30	CHF 93.70
400	CHF 94.40	CHF 88.30
500	CHF 88.60	CHF 82.80
600	CHF 82.80	CHF 77.40

The price, region by region

Bern — Region 3

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 Visana HMO plus

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