Visana HMO plus — Region 3, Bern

Name: Visana HMO plus — Region 3, Bern
Brand: Visana
Price: 470.9 CHF

Region 3, Bern: the HMO plus model from Visana costs CHF 470.90 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 470.90, HMO plus 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, HMO plus costs CHF 859.20 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 58 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 470.90	CHF 440.20
500	CHF 464.30	CHF 433.90
1'000	CHF 430.10	CHF 402.00
1'500	CHF 400.90	CHF 374.70
2'000	CHF 371.80	CHF 347.50
2'500	CHF 342.60	CHF 320.20

Young adult (19–25)

Deductible	With accident	Without accident
300	CHF 335.00	CHF 313.10
500	CHF 328.30	CHF 306.80
1'000	CHF 294.10	CHF 274.90
1'500	CHF 265.00	CHF 247.60
2'000	CHF 235.80	CHF 220.40
2'500	CHF 206.60	CHF 193.10

Child (0–18)

Deductible	With accident	Without accident
0	CHF 111.00	CHF 103.80
100	CHF 105.20	CHF 98.30
200	CHF 99.30	CHF 92.90
300	CHF 93.50	CHF 87.40
400	CHF 87.70	CHF 81.90
500	CHF 81.80	CHF 76.50
600	CHF 76.00	CHF 71.00

The price, region by region

Bern — 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.

Compare every insurer Visana HMO plus

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