Canton of Bern: Health insurances & premiums in comparison

There are a total of 30 health insurances in the canton of Bern. These 30 health insurances offer different models of basic insurance. Although all health insurances in Bern are required by law to provide benefits, the monthly premiums can vary greatly. This depends on various factors such as the health insurance company chosen, the model of basic insurance, the deductible rate chosen, the premium region and the age of the insured person in the canton of Bern.

These differences are also clearly visible in the health insurance premiums for 2024 in Bern. The cheapest monthly premium in the canton of Bern is currently CHF 267.75, while the most expensive is CHF 692.25. If you take a few important points into account when choosing your health insurance, you can make considerable savings in Bern. In fact, it is possible to save up to CHF 5,094 in the canton of Bern.

Please note that the premiums indicated for 2024 are based on current information and may change during the course of the year. It is advisable to regularly check the current premiums and conditions of the health insurances.

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The cheapest health insurances in the canton of Bern

In 2024, health insurance premiums in the canton of Bern rose by 8.4% compared to 2023. Sanitas, Helsana and Sympany are the cheapest health insurances in the canton of Bern. According to the FOPH, the rising premiums are the result of the growing costs in the healthcare sector, which are due to the increasing average age and medical and technological progress.

The 10 cheapest health insurances in the canton of Bern are listed below:

Health insurance Model Premiums in CHF
Sanitas NetMed 344.55
Helsana Benefit Plus 348.05
Sympany FlexHelp 24 350.85
KPT KPTwin 352.75
Atupri TelFirst 364.40
Concordia HMO 360.05
CSS HMO 361.95
Groupe Mutuel PrimaFlex 362.15
Visana Combi Care 362.45
Assura Qualimed 362.75

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in the canton of Bern

*Region 1: City of Bern

Canton Bern: Premium region 2

The 10 cheapest health insurance companies in premium region 2(Canton of Bern) are listed below:

Health insurance Model Premiums in CHF
CSS HMO 299.55
Aquilana Smartmed 300.85
Concordia HMO 302.35
KPT KPTwin 352.75
Helsana Benefit Plus 306.25
ÖKK HMO 308.95
Visana Combi Care 311.45
Assura Qualimed 313.45
EGK TelCare 315.15
Atupri SmartCare 320.15

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 2(Canton of Berne).

*Premium region 2: Bern-Mittelland, Thun, Biel/Bienne, Seeland, Jura Bernois, Emmental.

Canton of Bern: Premium region 3

The 10 cheapest health insurance companies in premium region 3(Canton Bern) are listed below:

Health insurance Model Premiums in CHF
Aquilana Smartmed 267.75
CSS HMO 272.95
Concordia HMO 274.75
EGK TelCare 277.85
ÖKK HMO 280.95
Helsana Benefit Plus 282.95
Visana Combi Care 284.15
Assura Qualimed 291.45
Groupe Mutuel PrimaFlex 294.05
Atupri SmartCare 302.25

*For adults aged 26 and over with deductible rate 2500 (without accident cover) in premium region 3(Canton of Bern)

*Premium region 3: Oberaargau, Interlaken-Oberhasli, Obersimmantel-Saanen, Frutigen-Niedersimmantel.

Compare and change health insurance companies in Bern

Health insurance premiums in the canton of Bern vary considerably depending on the health insurance company. The health insurance comparison helps to find the cheapest health insurance in the canton of Bern. It is important to note that the benefits of basic health insurance are set by law and remain identical regardless of the health insurance company. Savings on premiums are made by changing health insurances.

Basic insurance savings models in Bern

The models of basic insurance can also influence the amount of health insurance premiums in Bern. As a rule, insured persons pay more if they opt for a model with free choice of doctor, such as the standard model. However, if you are willing to commit to a specific contact person or a consultation hotline, you can save money in Bern through models such as family doctor, HMO or Telmed models.

Changing the deductible rate in Bern

Adult policyholders in Bern can choose from a total of 6 deductibles, ranging from 300 francs to 2,500 francs. The choice of deductible rate has a direct influence on the amount of the health insurance premium. As a rule of thumb, if you choose a higher deductible rate, the monthly premium will be lower. Therefore, it may be worthwhile for people with lower health costs to choose a higher deductible rate. This way, you can save up to CHF 1,000 over the course of the year.

Health insurance premiums by canton

The health insurance premiums by canton and premium region are listed below: