# Health insurance premiums 2026 in Bern (BE), for a young adult aged 19 to 25 who wants a deductible of 1'500 CHF with accident cover

_Compulsory basic health insurance (KVG/LAMal) · young adult (19 to 25) · with 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 [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/) with a 1'500 CHF deductible and [with accident cover](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/), the cheapest monthly basic insurance premium is **312.35 CHF** with **Visana** (VIVA – Gesundheitsplan model) and the most expensive is 522.60 CHF with vita surselva (Standard model).

| Insurer | Type | Model | 300 CHF | 500 CHF | 1000 CHF | 1500 CHF | 2000 CHF | 2500 CHF | Change since 2025 (1'500 CHF) |
|---|---|---|---:|---:|---:|---:|---:|---:|---:|
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | VIVA – Gesundheitsplan | 381.85 | 375.15 | 341.45 | 312.35 | 283.65 | 254.45 | 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 1 | 386.70 | 375.10 | 345.90 | 316.70 | 287.60 | 258.40 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (Compact One) | 386.75 | 375.15 | 345.95 | 316.75 | 287.65 | 258.45 | 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 2 | 390.80 | 379.20 | 350.00 | 320.80 | 291.70 | 262.50 | 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 3 | 390.80 | 379.20 | 350.00 | 320.80 | 291.70 | 262.50 | 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 | 390.80 | 379.20 | 350.00 | 320.80 | 291.70 | 262.50 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | MultiAccess | 390.85 | 379.25 | 350.05 | 320.85 | 291.75 | 262.55 | New tariff 2026 |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelMed (CallMed) | 390.85 | 379.25 | 350.05 | 320.85 | 291.75 | 262.55 | New tariff 2026 |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexHelp 24 | 393.35 | 381.65 | 352.55 | 323.35 | 294.15 | 265.05 | +1.7 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | casamed pharm | 400.25 | 388.55 | 359.45 | 330.25 | 301.05 | 271.95 | +0.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hmo | 400.25 | 388.55 | 359.45 | 330.25 | 301.05 | 271.95 | +0.2 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | casamed hausarzt | 402.55 | 390.85 | 361.75 | 332.55 | 303.35 | 274.25 | −0.4 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | callmed 24 | 402.55 | 390.85 | 361.75 | 332.55 | 303.35 | 274.25 | −0.4 % |
| [Sanitas](https://www.sanitas.com/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 403.05 | 391.45 | 362.25 | 333.05 | 303.95 | 274.75 | +4.9 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO (health practice) | 404.65 | 393.05 | 363.85 | 334.65 | 305.55 | 276.35 | −3.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 404.95 | 398.35 | 364.15 | 334.95 | 305.85 | 276.65 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 406.55 | 394.95 | 365.75 | 336.55 | 307.45 | 278.25 | −1.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | TelFirst | 413.85 | 402.25 | 373.05 | 343.85 | 314.75 | 285.55 | +4.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Care | 414.65 | 408.05 | 373.85 | 344.65 | 315.55 | 286.35 | +2.9 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 414.75 | 403.25 | 374.25 | 344.75 | 315.75 | 286.75 | −0.1 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 417.25 | 410.65 | 376.45 | 347.25 | 318.15 | 288.95 | +2.9 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO model | 419.15 | 407.55 | 378.35 | 349.15 | 320.05 | 299.15 | +5.7 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Medcasa | 421.55 | 409.95 | 380.75 | 351.55 | 322.45 | 293.25 | +7.3 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 422.05 | 415.35 | 381.15 | 352.05 | 322.85 | 293.65 | +2.9 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SmartCare | 423.55 | 411.95 | 382.75 | 353.55 | 324.45 | 295.25 | +7.0 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 423.05 | 411.75 | 383.45 | 354.85 | 326.05 | 297.05 | +5.8 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 423.05 | 411.75 | 383.45 | 354.85 | 326.05 | 297.05 | +5.8 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausarztversicherung Profit | 426.45 | 414.85 | 385.65 | 356.45 | 327.35 | 298.15 | −3.1 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Sanmed24 | 426.35 | 414.85 | 385.65 | 356.45 | 327.25 | 298.05 | +7.3 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 427.25 | 415.75 | 386.75 | 357.25 | 328.25 | 299.25 | −0.1 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 428.85 | 417.25 | 388.05 | 358.85 | 329.75 | 300.55 | +2.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Select | 428.85 | 417.25 | 388.05 | 358.85 | 329.75 | 300.55 | +2.8 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | EGK-TelCare | 431.15 | 419.55 | 390.35 | 361.15 | 332.05 | 302.85 | +8.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 432.15 | 420.65 | 391.65 | 362.15 | 333.15 | 304.15 | −0.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R1 | 433.95 | 422.35 | 393.15 | 363.95 | 334.85 | 305.65 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R1 | 433.95 | 422.35 | 393.15 | 363.95 | 334.85 | 305.65 | +4.5 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | BeneFit PLUS Telmed | 433.95 | 422.35 | 393.15 | 363.95 | 334.85 | 305.65 | +4.5 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 435.15 | 423.65 | 394.65 | 365.15 | 336.15 | 307.15 | 0.0 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Multimed | 435.35 | 423.75 | 394.55 | 365.35 | 336.25 | 307.05 | +4.6 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 436.05 | 424.45 | 395.25 | 366.05 | 336.95 | 307.75 | +2.8 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Qualimed | 437.05 | 425.45 | 396.25 | 367.05 | 337.95 | 308.75 | +3.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CareMed | 437.65 | 426.05 | 396.85 | 367.65 | 338.55 | 309.35 | +4.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | HMO | 438.05 | 426.45 | 397.25 | 368.05 | 338.95 | 309.75 | +11.2 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R3 | 439.05 | 427.45 | 398.25 | 369.05 | 339.95 | 310.75 | +3.1 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | BeneFit PLUS Flexmed R3 | 439.05 | 427.45 | 398.25 | 369.05 | 339.95 | 310.75 | 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 | 439.05 | 427.45 | 398.25 | 369.05 | 339.95 | 310.75 | +6.0 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | EGK-Care | 439.25 | 427.65 | 398.45 | 369.25 | 340.15 | 310.95 | +7.4 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 439.45 | 432.85 | 398.65 | 369.45 | 340.35 | 311.15 | +2.9 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PharMed | 439.65 | 428.05 | 398.85 | 369.65 | 340.55 | 311.35 | +3.3 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 440.25 | 428.75 | 399.75 | 370.25 | 341.25 | 312.25 | 0.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 442.15 | 430.55 | 401.35 | 372.15 | 343.05 | 313.85 | +3.2 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 447.05 | 435.55 | 406.55 | 377.05 | 348.05 | 319.05 | −0.1 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | AGRIcontact | 441.15 | 430.55 | 404.15 | 377.75 | 351.35 | 324.95 | +5.9 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | smartDoc | 448.55 | 436.95 | 407.75 | 378.55 | 349.45 | 320.25 | +11.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 450.25 | 438.75 | 409.75 | 380.25 | 351.25 | 322.25 | 0.0 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 450.25 | 438.75 | 409.75 | 380.25 | 351.25 | 322.25 | 0.0 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | AGRIeco | 448.55 | 437.75 | 410.95 | 384.15 | 357.25 | 330.45 | +5.9 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | BeneFit PLUS Hausarzt R4 | 454.15 | 442.55 | 413.35 | 384.15 | 355.05 | 325.85 | +4.5 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SMARTMED | 448.25 | 438.35 | 412.95 | 385.25 | 359.95 | 330.75 | +6.4 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MULTICHOICE | 450.05 | 438.45 | 414.45 | 385.25 | 350.95 | 321.75 | −1.1 % |
| [Sympany](https://www.sympany.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 455.55 | 443.85 | 414.65 | 385.55 | 356.35 | 327.15 | +0.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Callmed | 455.85 | 444.25 | 415.05 | 385.85 | 356.75 | 327.55 | +6.2 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FlexCare | 456.65 | 445.05 | 415.85 | 386.65 | 357.55 | 328.35 | +4.8 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | OptiMed | 456.65 | 445.15 | 416.15 | 386.65 | 357.65 | 328.65 | +5.7 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PrimaFlex | 459.25 | 447.75 | 418.75 | 389.25 | 360.25 | 331.25 | +5.7 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Premed-24 | 459.25 | 447.65 | 418.45 | 389.25 | 360.15 | 330.95 | +4.5 % |
| [Sumiswalder Krankenkasse](https://www.sumiswalder.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 460.25 | 448.65 | 419.45 | 390.25 | 361.15 | 332.05 | +5.7 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 460.55 | 448.85 | 419.75 | 390.55 | 361.35 | 332.25 | +1.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SanaTel | 461.85 | 450.35 | 421.35 | 391.85 | 362.85 | 333.85 | +5.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.smart | 462.55 | 450.95 | 421.75 | 392.55 | — | 334.25 | +0.7 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 463.15 | 456.45 | 422.25 | 393.15 | 363.95 | 334.75 | +2.8 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | CASAMED | 463.85 | 452.25 | 423.05 | 394.05 | 364.75 | 335.55 | +6.4 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Casa | 465.15 | 453.55 | 424.35 | 395.15 | 366.05 | 336.85 | +17.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT SANTE | 452.65 | 441.05 | 424.85 | 395.65 | 356.15 | 326.95 | +3.6 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | KPTwin.win | 466.75 | 455.15 | 425.95 | 396.75 | — | 338.45 | +6.2 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | MyDoc | 466.85 | 455.25 | 426.05 | 396.85 | 367.75 | 338.55 | +11.0 % |
| [Visana](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 467.85 | 461.15 | 427.05 | 397.85 | 368.65 | 339.55 | +2.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care | 470.05 | 458.35 | 429.25 | 400.05 | 370.85 | 341.75 | −5.1 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT CASA | 468.25 | 456.65 | 427.45 | 400.85 | 374.35 | 350.35 | +4.2 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | PrimaCare | 472.35 | 460.85 | 431.85 | 402.35 | 373.35 | 344.35 | +5.6 % |
| [EGK](https://www.egk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 472.65 | 461.05 | 431.85 | 402.65 | 373.55 | 344.35 | +6.3 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FAVORIT MEDPHARM | 468.25 | 461.85 | 432.65 | 403.45 | 369.15 | 339.95 | +2.9 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.plus | 475.25 | 463.65 | 434.45 | 405.25 | — | 346.95 | +2.8 % |
| [ÖKK](https://www.oekk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 477.05 | 465.45 | 436.25 | 407.05 | 377.95 | 348.75 | +2.7 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | FAVORIT TELMED | 477.35 | 465.75 | 436.55 | 407.35 | 378.25 | 349.05 | +1.3 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 478.05 | 466.35 | 437.15 | 408.05 | 378.85 | 349.65 | +1.2 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Digimed | 473.35 | 461.75 | 433.75 | 408.65 | 383.55 | 345.05 | +7.0 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | KPTwin.doc | 479.45 | 467.85 | 438.65 | 409.45 | — | 351.15 | +1.8 % |
| [Krankenkasse Steffisburg](https://www.kkst.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 479.65 | 468.05 | 438.85 | 409.65 | 380.55 | 351.45 | +7.1 % |
| [Atupri](https://www.atupri.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 480.95 | 469.35 | 440.15 | 410.95 | 381.85 | 352.65 | +4.7 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Tel Doc | 482.55 | 470.85 | 441.75 | 412.55 | 383.35 | 354.25 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Managed Care without capitation | 483.15 | 471.45 | 442.35 | 413.15 | 383.95 | 354.85 | +1.2 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | FeminaVita | 486.15 | 474.55 | 445.35 | 416.15 | 387.05 | 357.85 | New tariff 2026 |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | PreventoMed | 486.15 | 474.55 | 445.35 | 416.15 | 387.05 | 357.85 | +3.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | FAVORIT MEDICA | 483.85 | 472.25 | 443.05 | 416.45 | 389.95 | 365.95 | +4.2 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | KPTwin.easy | 487.95 | 476.35 | 447.15 | 417.95 | — | 359.65 | +2.8 % |
| [Agrisano](https://www.agrisano.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 487.95 | 476.25 | 447.15 | 417.95 | 388.75 | 359.65 | +5.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Med Direct | 489.85 | 478.15 | 448.95 | 419.85 | 390.65 | 361.45 | −0.4 % |
| [Groupe Mutuel – Philos](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 491.75 | 480.25 | 451.25 | 421.75 | 392.75 | 363.75 | −0.1 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 487.45 | 475.85 | 447.85 | 422.75 | 397.65 | 359.15 | +7.0 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 493.45 | 481.75 | 452.55 | 423.45 | 394.25 | 365.05 | +1.2 % |
| [Groupe Mutuel – Avenir](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 498.05 | 486.55 | 457.55 | 428.05 | 399.05 | 370.05 | 0.0 % |
| [Helsana](https://www.helsana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 499.65 | 488.05 | 458.85 | 429.65 | 400.55 | 371.35 | +4.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-SmartMed | 493.15 | 482.95 | 457.25 | 431.55 | 405.95 | 380.25 | +8.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Telemedicine | 502.85 | 491.15 | 462.00 | 432.85 | 403.65 | 374.50 | +5.8 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Flexible model | Combi Care | 502.85 | 491.15 | 461.95 | 432.85 | 403.65 | 374.45 | New tariff 2026 |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | Med Call | 503.65 | 492.05 | 462.85 | 433.65 | 404.55 | 375.35 | +1.2 % |
| [CSS](https://www.css.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 507.15 | 495.55 | 466.35 | 437.15 | 408.05 | 378.85 | +3.3 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Hausmed | 508.25 | 496.55 | 467.40 | 438.25 | 409.05 | 379.90 | +5.2 % |
| [sana24](https://www.visana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 508.85 | 497.15 | 467.95 | 438.85 | 409.65 | 380.45 | +1.2 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | SLKK-HomeCare | 504.55 | 494.05 | 467.75 | 441.55 | 415.35 | 389.05 | +8.0 % |
| [Assura](https://www.assura.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 511.95 | 500.35 | 471.15 | 441.95 | 412.85 | 383.65 | +3.2 % |
| [SWICA](https://www.swica.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.05 | 503.45 | 474.25 | 445.05 | 415.95 | 386.75 | +2.9 % |
| [Galenos](https://www.galenos.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.35 | 503.65 | 474.45 | 445.35 | 416.15 | 386.95 | −11.3 % |
| [Aquilana](https://www.aquilana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 515.95 | 504.35 | 475.15 | 446.15 | 416.85 | 387.65 | +6.4 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | SLKK-TelCare | 510.15 | 499.65 | 473.05 | 446.45 | 419.95 | 393.45 | +8.0 % |
| [CONCORDIA](https://www.concordia.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.25 | 507.65 | 478.45 | 449.25 | 420.15 | 390.95 | +9.3 % |
| [Groupe Mutuel – Mutuel](https://www.groupemutuel.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 519.55 | 508.05 | 479.05 | 449.55 | 420.55 | 391.55 | +5.5 % |
| [sodalis](https://www.sodalis.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 531.65 | 520.05 | 490.85 | 461.65 | 432.55 | 403.35 | +7.0 % |
| [Krankenkasse Luzerner Hinterland](https://www.kklh.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 535.25 | 523.60 | 494.40 | 465.25 | 436.10 | 406.90 | +5.8 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Telemedicine | sanmed24 | 525.55 | 516.55 | 494.05 | 471.55 | 448.55 | 426.05 | +6.7 % |
| [KPT](https://www.kpt.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 547.35 | 535.75 | 506.55 | 477.35 | — | 419.05 | +2.9 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Family doctor | 551.55 | 539.95 | 511.05 | 481.55 | 457.55 | 434.55 | +6.9 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Family doctor / HMO | Sparmed | 558.20 | 546.95 | 518.75 | 490.60 | 462.45 | 430.90 | +6.1 % |
| [SLKK](https://www.slkk.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 561.15 | 549.55 | 520.35 | 491.15 | 462.05 | 432.85 | +8.0 % |
| [rhenusana](https://www.rhenusana.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 571.65 | 561.65 | 537.15 | 512.65 | 488.15 | 463.65 | +6.7 % |
| [vita surselva](https://www.vitasurselva.ch/?utm_source=praemiencheck.onedoc.ch&utm_medium=referral&utm_campaign=premiums-2026) | Standard model | Standard model * | 587.85 | 577.20 | 552.25 | 522.60 | 492.95 | 463.30 | +6.1 % |

\* insurer’s default model

## Frequently asked questions

### Which health insurance is the cheapest in Bern for a young adult aged 19 to 25 with a deductible of 1'500 CHF, with accident cover?

In 2026, [with accident cover](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/), the cheapest offer in [Bern](https://praemiencheck.onedoc.ch/en/be/bern/) is Visana (VIVA – Gesundheitsplan) at 312.35 CHF a month. The cheapest standard model (free choice of doctor) is Sanitas (Standard model) at 333.05 CHF a month.

### How much does health insurance cost in Bern in 2026 for a young adult aged 19 to 25?

For [a young adult aged 19 to 25](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/) with a deductible of 1'500 CHF and [with accident cover](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/), monthly premiums run from 312.35 CHF (Visana, VIVA – Gesundheitsplan) to 522.60 CHF (vita surselva, 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: 346.35 CHF (an FOPH statistic, distinct from the offers above).

### Is a deductible of 300 CHF or 2'500 CHF better in Bern for a young adult aged 19 to 25 with accident cover?

On the cheapest offer (Visana, VIVA – Gesundheitsplan), the premium goes from 381.85 CHF a month with the [300 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-300/) to 254.45 CHF with the [2'500 CHF deductible](https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-2500/): 127.40 CHF less a month, 1'528.80 CHF a year. The 2'500 CHF deductible stays worthwhile up to around 1'999 CHF of medical costs a year; above that, the 300 CHF deductible works out cheaper.

### Which model is the cheapest in Bern for a young adult aged 19 to 25: standard, family doctor / HMO, flexible, telemedicine or pharmacy?

For a young adult aged 19 to 25 with a deductible of 1'500 CHF and with accident cover, the cheapest premium per model is: standard model 333.05 CHF (Sanitas), family doctor / HMO 312.35 CHF (Visana), flexible model 320.85 CHF (Sanitas), telemedicine 316.75 CHF (Sanitas).

### 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 317.50 CHF at Visana (VIVA – Gesundheitsplan) gives 312.35 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/young-adult/with-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), young adult: with or without accident cover, all deductibles: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/
- Premiums 2026 in Bern (BE), young adult, with accident cover: all deductibles: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/
- Child: https://praemiencheck.onedoc.ch/en/be/bern/child/
- Adult: https://praemiencheck.onedoc.ch/en/be/bern/adult/
- Without accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/no-accident/deductible-1500/
- Deductible Premiums 2026 in Bern (BE), young adult, deductible of 300 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-300/
- Deductible Premiums 2026 in Bern (BE), young adult, deductible of 500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-500/
- Deductible Premiums 2026 in Bern (BE), young adult, deductible of 1'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-1000/
- Deductible Premiums 2026 in Bern (BE), young adult, deductible of 2'000 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-2000/
- Deductible Premiums 2026 in Bern (BE), young adult, deductible of 2'500 CHF, with accident cover: https://praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-2500/

Address of this page: praemiencheck.onedoc.ch/en/be/bern/young-adult/with-accident/deductible-300/ — replace `be` with your canton’s two-letter code (ge, vd, zh…), `bern` with your municipality, `young-adult` with `child` or `adult`, `with-accident` with `no-accident` for the other accident cover, `deductible-1500` with `deductible-2500` for another deductible. Markdown version: add `.md`.