Visana VIVA – plan de santé — Region 1, Bern
Region 1, Bern: the VIVA – plan de santé model from Visana costs CHF 540.10 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 540.10, VIVA – plan de santé is the lowest premium in this region, across every insurer and every model.
On average, VIVA – plan de santé costs CHF 1'500.00 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
VIVA – plan de santé is offered in only 2 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 540.10 | CHF 504.80 |
| 500 | CHF 533.50 | CHF 498.60 |
| 1'000 | CHF 502.00 | CHF 469.10 |
| 1'500 | CHF 472.80 | CHF 441.90 |
| 2'000 | CHF 446.30 | CHF 417.10 |
| 2'500 | CHF 417.10 | CHF 389.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 387.00 | CHF 361.70 |
| 500 | CHF 380.30 | CHF 355.50 |
| 1'000 | CHF 346.60 | CHF 324.00 |
| 1'500 | CHF 317.50 | CHF 296.70 |
| 2'000 | CHF 288.80 | CHF 269.90 |
| 2'500 | CHF 259.60 | CHF 242.60 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.50 | CHF 121.00 |
| 100 | CHF 123.60 | CHF 115.60 |
| 200 | CHF 118.30 | CHF 110.60 |
| 300 | CHF 112.40 | CHF 105.10 |
| 400 | CHF 107.70 | CHF 100.70 |
| 500 | CHF 101.90 | CHF 95.20 |
| 600 | CHF 96.10 | CHF 89.80 |
The price, region by region
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.