# Health insurance premiums 2026 in Bern (BE), for an adult aged 26 or over who wants a deductible of 1'000 CHF without accident cover

_Compulsory basic health insurance (KVG/LAMal) · adult (26 and over) · without accident cover · monthly premiums in CHF_

In [Bern](https://praemiencheck.onedoc.ch/en/be/bern/) ([canton Bern](https://praemiencheck.onedoc.ch/en/be/)), in 2026, for [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/be/bern/adult/) with a 1'000 CHF deductible and [without accident cover](https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/), the cheapest monthly basic insurance premium is **463.95 CHF** with **Visana** (VIVA – Gesundheitsplan model) and the most expensive is 662.75 CHF with rhenusana (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'000 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 499.65 | 493.45 | 463.95 | 436.75 | 411.95 | 384.75 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 502.55 | 491.75 | 464.55 | 437.45 | 410.35 | 383.15 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 505.35 | 494.55 | 467.45 | 440.25 | 413.25 | 386.05 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 505.35 | 494.55 | 467.45 | 440.25 | 413.25 | 386.05 | +4.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 505.35 | 494.55 | 467.45 | 440.25 | 413.25 | 386.05 | +4.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 1 | 509.05 | 498.25 | 471.05 | 443.85 | 416.80 | 389.60 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 511.25 | 500.45 | 473.25 | 446.15 | 419.05 | 391.95 | +2.8 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 511.25 | 500.45 | 473.25 | 446.15 | 419.05 | 391.95 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R2 | 511.25 | 500.45 | 473.25 | 446.15 | 419.05 | 391.95 | +5.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 511.35 | 500.55 | 473.35 | 446.25 | 419.15 | 392.05 | +3.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 511.35 | 500.55 | 473.35 | 446.25 | 419.15 | 392.05 | +3.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 514.35 | 503.45 | 476.35 | 449.25 | 422.05 | 394.95 | +2.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 514.35 | 503.45 | 476.35 | 449.25 | 422.05 | 394.95 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 514.55 | 508.35 | 476.45 | 449.15 | 421.95 | 394.65 | +3.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 516.35 | 505.25 | 477.55 | 449.85 | 422.15 | 394.45 | −1.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 525.65 | 514.55 | 486.85 | 459.15 | 431.45 | 403.75 | +4.2 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 526.85 | 516.05 | 488.85 | 461.75 | 434.65 | 407.45 | New tariff 2026 |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 528.95 | 518.15 | 490.95 | 463.85 | 436.75 | 409.55 | +4.1 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 529.25 | 518.35 | 491.05 | 463.85 | 436.55 | 409.35 | +1.1 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 531.55 | 520.75 | 493.65 | 466.45 | 439.45 | 412.25 | +3.1 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 532.45 | 521.65 | 494.55 | 467.35 | — | 413.15 | +0.5 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 532.75 | 521.95 | 494.75 | 467.55 | 440.45 | 413.25 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 532.75 | 521.95 | 494.75 | 467.55 | 440.45 | 413.25 | New tariff 2026 |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 534.15 | 527.95 | 495.95 | 468.75 | 441.45 | 414.25 | +2.6 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 534.75 | 523.95 | 496.85 | 469.65 | 442.65 | 415.45 | +4.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 537.85 | 526.85 | 499.15 | 471.35 | 443.75 | 415.95 | +6.3 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 537.75 | 526.95 | 499.85 | 472.65 | — | 418.45 | +5.8 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 538.15 | 527.35 | 500.05 | 472.85 | 445.55 | 418.25 | +7.8 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 2 | 538.55 | 527.75 | 500.55 | 473.40 | 446.30 | 419.10 | New tariff 2026 |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 539.15 | 528.35 | 501.15 | 474.05 | 446.95 | 427.55 | +5.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 541.15 | 530.35 | 503.15 | 476.05 | 448.95 | 421.75 | +4.1 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 540.25 | 529.85 | 503.55 | 476.95 | 450.15 | 423.15 | +5.2 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 540.25 | 529.85 | 503.55 | 476.95 | 450.15 | 423.15 | +5.2 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 541.95 | 535.65 | 503.75 | 476.45 | 449.25 | 421.95 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 543.15 | 532.35 | 505.15 | 478.05 | 450.95 | 423.85 | +2.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 536.75 | 525.85 | 505.25 | 478.05 | 444.55 | 417.35 | +3.3 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 3 | 544.45 | 533.65 | 506.50 | 479.30 | 452.20 | 425.00 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor 4 | 544.45 | 533.65 | 506.50 | 479.30 | 452.20 | 425.00 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 546.25 | 535.55 | 508.35 | 481.15 | 454.15 | 426.95 | +2.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 547.55 | 536.75 | 509.45 | 482.15 | 454.95 | 427.65 | +7.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 548.15 | 541.95 | 509.95 | 482.75 | 455.45 | 428.15 | +2.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 548.25 | 537.45 | 510.25 | 483.15 | — | 428.85 | +2.6 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 549.55 | 538.75 | 511.65 | 484.45 | 457.35 | 430.25 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 551.55 | 540.75 | 513.55 | 486.45 | 459.35 | 432.15 | +2.5 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 551.55 | 540.75 | 513.55 | 486.45 | 459.35 | 432.15 | +2.5 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 553.25 | 542.25 | 514.65 | 487.05 | 459.55 | 431.95 | +10.0 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 546.45 | 535.55 | 514.85 | 487.75 | 454.15 | 427.05 | +1.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 546.45 | 535.55 | 514.85 | 487.75 | 454.15 | 427.05 | +2.6 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 553.15 | 546.85 | 514.95 | 487.65 | 460.45 | 433.15 | +2.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 553.45 | 542.65 | 515.45 | 488.35 | — | 434.05 | +1.6 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 553.95 | 543.25 | 516.25 | 488.85 | 461.85 | 434.95 | +4.0 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 555.75 | 544.75 | 516.95 | 489.25 | 461.55 | 433.85 | +3.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 556.05 | 545.25 | 518.15 | 490.95 | 463.85 | 436.75 | +4.4 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 556.05 | 545.25 | 518.15 | 490.95 | 463.85 | 436.75 | +4.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 549.65 | 538.75 | 518.15 | 490.95 | 463.85 | 436.75 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 557.15 | 546.45 | 519.45 | 492.05 | 465.05 | 438.15 | +4.0 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 557.15 | 546.35 | 519.95 | 496.35 | 472.75 | 436.65 | +6.4 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 559.05 | 548.35 | 521.45 | 493.95 | 467.05 | 440.05 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 560.15 | 549.35 | 522.25 | 495.05 | 468.05 | 440.85 | +3.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 560.85 | 550.05 | 522.85 | 495.75 | 468.65 | 441.45 | +2.5 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 558.75 | 548.55 | 522.95 | 496.85 | 471.25 | 445.65 | +4.0 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 561.55 | 550.85 | 523.85 | 496.45 | 469.45 | 442.45 | +3.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 563.95 | 553.15 | 525.95 | 498.85 | — | 444.55 | +2.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 562.25 | 552.05 | 526.45 | 500.45 | 474.75 | 449.25 | +4.9 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 564.65 | 553.75 | 526.45 | 499.25 | 471.95 | 444.75 | +1.1 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 564.85 | 554.15 | 527.15 | 499.75 | 472.75 | 445.85 | +3.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 566.45 | 555.45 | 527.85 | 500.25 | 472.75 | 445.15 | +10.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 565.55 | 554.85 | 527.85 | 500.45 | 473.45 | 446.45 | +4.9 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 566.15 | 555.35 | 528.05 | 500.75 | 473.55 | 446.25 | +10.3 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 566.55 | 555.75 | 528.55 | 501.45 | 474.35 | 447.25 | +5.6 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 564.85 | 554.65 | 529.05 | 503.05 | 477.35 | 451.75 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 564.85 | 555.45 | 531.65 | 505.15 | 481.65 | 452.75 | +5.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 566.15 | 556.55 | 532.35 | 508.25 | 484.15 | 459.95 | +4.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 571.95 | 561.25 | 534.35 | 506.85 | 479.85 | 452.95 | +4.9 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 568.95 | 558.15 | 537.45 | 510.35 | 483.25 | 456.05 | +3.9 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 576.35 | 565.65 | 538.65 | 511.25 | 484.25 | 457.25 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 575.55 | 565.55 | 540.55 | 515.45 | 490.35 | 465.25 | +5.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 578.95 | 568.05 | 540.75 | 513.55 | 486.25 | 458.95 | +1.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 579.75 | 568.75 | 541.05 | 513.25 | 485.65 | 457.85 | +4.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 573.85 | 562.95 | 542.35 | 515.15 | 488.05 | 460.95 | +3.6 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 581.75 | 570.95 | 543.75 | 516.65 | 489.55 | 462.45 | +3.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 581.75 | 570.95 | 543.75 | 516.65 | 489.55 | 462.45 | +4.1 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 581.45 | 570.55 | 544.25 | 520.65 | 497.05 | 460.85 | +8.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 579.05 | 569.25 | 544.55 | 519.85 | 495.25 | 470.55 | +4.6 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 583.85 | 572.95 | 545.65 | 518.35 | 491.15 | 463.85 | +2.0 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 584.25 | 573.45 | 546.25 | 519.25 | 492.05 | 464.95 | +5.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 585.15 | 574.25 | 546.95 | 519.75 | 492.45 | 465.25 | +1.1 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 585.85 | 575.05 | 547.95 | 520.75 | 493.65 | 466.45 | +3.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 585.25 | 575.05 | 549.55 | 524.05 | 498.55 | 473.05 | +5.3 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 587.75 | 576.95 | 549.85 | 522.65 | 495.65 | 468.45 | +5.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 588.15 | 577.55 | 550.55 | 523.05 | 496.15 | 469.15 | +3.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 585.55 | 575.65 | 550.65 | 525.75 | 500.85 | 475.85 | +4.6 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 589.45 | 578.55 | 550.95 | 523.35 | 495.85 | 468.25 | +9.9 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 591.70 | 580.75 | 553.35 | 525.90 | 498.50 | 471.10 | +4.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 598.05 | 587.10 | 559.70 | 532.25 | 504.85 | 477.45 | +3.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 598.45 | 587.55 | 560.25 | 533.05 | 505.75 | 478.55 | New tariff 2026 |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 599.75 | 588.85 | 561.65 | 534.35 | 507.15 | 479.85 | +5.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 604.05 | 593.25 | 566.15 | 538.95 | 511.85 | 484.75 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 604.05 | 593.25 | 566.15 | 538.95 | 511.85 | 484.75 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 610.55 | 599.55 | 571.75 | 544.05 | 516.45 | 488.65 | +4.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 609.95 | 599.05 | 571.85 | 544.55 | 517.25 | 490.05 | +1.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 610.25 | 604.05 | 572.05 | 544.85 | 517.55 | 490.35 | +2.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 613.35 | 602.55 | 575.45 | 548.25 | 521.15 | 494.05 | +2.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 615.15 | 604.25 | 576.95 | 549.65 | 522.45 | 495.15 | New tariff 2026 |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 615.75 | 604.95 | 577.65 | 550.35 | 523.15 | 495.85 | +6.4 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 616.15 | 605.25 | 578.05 | 550.75 | 523.55 | 496.25 | +1.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 616.45 | 610.25 | 578.35 | 551.05 | 523.75 | 496.55 | +2.6 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 625.65 | 614.75 | 587.25 | 559.85 | 532.45 | 505.05 | +6.4 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 629.80 | 618.85 | 591.45 | 564.00 | 536.60 | 509.20 | +4.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 630.05 | 619.25 | 592.05 | 564.95 | 537.85 | 510.75 | +3.0 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 633.85 | 623.15 | 596.15 | 568.75 | 541.75 | 514.75 | +4.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 636.55 | 625.45 | 597.85 | 570.05 | 542.35 | 514.65 | +5.3 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 636.05 | 625.25 | 598.05 | 570.95 | 543.85 | 516.75 | +2.9 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 636.15 | 625.35 | 598.15 | 571.05 | 543.95 | 516.85 | +3.1 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 636.95 | 625.40 | 598.45 | 572.75 | 540.65 | 511.80 | +5.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 637.15 | 626.35 | 599.15 | 572.05 | — | 517.75 | +2.6 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 639.95 | 629.05 | 601.95 | 574.85 | 547.75 | 520.55 | +2.6 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 639.65 | 628.95 | 602.05 | 574.55 | 547.55 | 520.65 | +4.9 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 644.05 | 633.15 | 605.65 | 578.25 | 550.85 | 523.45 | +4.6 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 644.15 | 634.45 | 609.35 | 584.75 | 559.55 | 534.45 | +6.4 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 649.75 | 638.95 | 611.75 | 584.75 | 557.55 | 530.35 | +5.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 655.55 | 644.55 | 616.95 | 589.35 | 561.85 | 534.35 | +8.5 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 661.05 | 650.15 | 622.85 | 595.65 | 568.35 | 541.15 | −0.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 661.55 | 650.85 | 623.85 | 596.45 | 569.45 | 542.45 | +3.2 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 670.75 | 664.00 | 630.20 | 603.20 | 576.15 | 549.10 | +5.1 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 675.95 | 665.25 | 639.75 | 613.75 | 587.65 | 561.65 | +6.4 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model | 700.65 | 689.85 | 662.75 | 635.55 | 608.55 | 581.65 | +6.4 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Bern for an adult aged 26 or over with a deductible of 1'000 CHF, without accident cover?

In 2026, [without accident cover](https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/), the cheapest offer in [Bern](https://praemiencheck.onedoc.ch/en/be/bern/) is Visana (VIVA – Gesundheitsplan) at 463.95 CHF a month. The cheapest standard model (free choice of doctor) is Sympany (Standard model) at 543.75 CHF a month.

### How much does health insurance cost in Bern in 2026 for an adult aged 26 or over?

For [an adult aged 26 or over](https://praemiencheck.onedoc.ch/en/be/bern/adult/) with a deductible of 1'000 CHF and [without accident cover](https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/), monthly premiums run from 463.95 CHF (Visana, VIVA – Gesundheitsplan) to 662.75 CHF (rhenusana, Standard model): 127 offers from 26 health insurers. Average premium estimated by the FOPH for this premium region and age group, all models and all deductibles, weighted by insured numbers, before redistribution: 503.05 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Bern for an adult aged 26 or over without accident cover?

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 499.65 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-300/) to 384.75 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-2500/): 114.90 CHF less a month, 1'378.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'832 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Bern for an adult aged 26 or over: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For an adult aged 26 or over with a deductible of 1'000 CHF and without accident cover, the cheapest premium per model is: standard model 543.75 CHF (Sympany), family doctor / HMO 463.95 CHF (Visana), flexible model 464.55 CHF (Sympany), telemedicine 467.45 CHF (Helsana).

### Why is the FOPH-approved premium higher than the price shown?

The large amount is the FOPH-approved premium — the same one as on priminfo.admin.ch, shown under each price — less the redistribution of the environmental levies (the CO₂ levy and the VOC incentive tax). In 2026 every insured person in Switzerland receives 61.80 CHF, which their insurer deducts from the premium invoices: 5.15 CHF a month, the same amount for everyone, whatever the insurer, the model or the deductible. The ranking is therefore unchanged. This amount is not necessarily your final invoice: your canton’s individual premium reduction or a discount for annual payment are added where they apply. For example, the approved premium of 469.10 CHF at Visana (VIVA – Gesundheitsplan) gives 463.95 CHF after redistribution.

### Until when can I change health insurer for 2026?

Your cancellation must reach your current insurer by 30 November 2025 at the latest; the change takes effect on 1 January 2026. The premiums on this page are those approved by the FOPH for 2026.

## How to read this table

- The **standard model** leaves you free to choose your doctor. With a **family doctor / HMO** model, the first contact is always a designated practice. The **flexible model** lets you choose your first point of contact each time. With **telemedicine**, the first contact is by phone or online; with a **pharmacy** model, at a partner pharmacy. These five categories are the FOPH’s, from the 2027 premiums onwards.
- All premiums are monthly, in Swiss francs, as approved by the FOPH — the same figures as on priminfo.admin.ch.
- The premium region depends on your municipality of residence, not your postcode: Bern is in region 1 of canton Bern.
- To change insurer on 1 January, your cancellation must reach your health insurer by 30 November at the latest. [Made your choice? Here is how to cancel.](https://praemiencheck.onedoc.ch/en/cancel/)

Source: Federal Office of Public Health (FOPH), approved 2026 basic health insurance premiums, version 17/08/2026 — the same data as [priminfo.admin.ch](https://www.priminfo.admin.ch/fr/praemien). Published on 11/09/2025 · Updated on 28/09/2026. Valid from 01.01.2026 to 31.12.2026. This OneDoc service is not an official Confederation website.

Canonical: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-300/

## Related pages

- Health insurance premiums 2026 in Bern (BE): every situation: https://praemiencheck.onedoc.ch/en/be/bern/
- Premiums 2026 in Bern (BE), adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/bern/adult/
- Premiums 2026 in Bern (BE), adult, without accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/bern/child/
- Young adult: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/
- With accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Bern (BE), adult, deductible of 300 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-300/
- Deductible Premiums 2026 in Bern (BE), adult, deductible of 500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-500/
- Deductible Premiums 2026 in Bern (BE), adult, deductible of 1'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Bern (BE), adult, deductible of 2'000 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-2000/
- Deductible Premiums 2026 in Bern (BE), adult, deductible of 2'500 CHF, without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/bern/adult/no-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `bern` with your municipality, `adult` with `child` or `young-adult`, `no-accident` with `with-accident` for the other accident cover, `deductible-1000` with `deductible-2500` for another deductible. Markdown version: add `.md`.