Premiums 2027 · Canton of Bern

Health insurance premiums 2027 in the canton of Bern

The canton of Bern has 3 premium regions. In 2027, the cheapest monthly basic insurance premium for an adult (26 and over, with accident cover, CHF 300 deductible, standard model) in the canton of Bern is CHF 541.20 with Agrisano (region 3). With an alternative model and the CHF 2'500 deductible it drops to CHF 357.20 (Agrisano – AGRIsmart (telmed)). The dearest standard premium reaches CHF 789.30, that is CHF 2'977 more a year for the same care.

Official 2027 FOPH premiums, published on 29.09.2026. Page updated on 01.10.2026.

541.20cheapest adult premium a month (CHF), standard, CHF 300 deductible

357.20cheapest across all models (CHF), CHF 2,500 deductible

26health insurers active in the canton

+3.9%average rise of the standard model vs 2026

60 days left to switch insurer: your cancellation letter must arrive by 30 November 2026. Switch insurer in 5 steps

Premium region 1: Bern, Köniz, Wohlen bei Bern…

For an adult with accident cover, the cheapest standard offer in region 1 is Sanitas at CHF 653.70 a month (CHF 300 deductible), against CHF 634.80 in 2026. Across all models, the cheapest is Sanitas – Hausarztmodell 1 (family doctor) at CHF 568.70. With the CHF 2,500 deductible it falls to CHF 440.40 (Sanitas – Hausarztmodell 1 (family doctor)). The median standard premium is CHF 701.00. On average, standard-model premiums rise by +3.6% compared with 2026.

Monthly premium in CHF, region 1 of the canton of Bern, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 653.70	CHF 568.70	CHF 440.40	CHF 789.30	CHF 1'627
Young adults (19–25)	CHF 420.35	CHF 403.55	CHF 275.25	CHF 599.90	CHF 2'155
Children (0–18)	CHF 134.00	CHF 128.65	CHF 93.65	CHF 197.40	CHF 761

Minimum deductible: CHF 300 for adults and young adults, CHF 0 for children. Maximum deductible: CHF 2,500 (adults, young adults) and CHF 600 (children). "Standard" = free choice of doctor. The gap per year compares the dearest and the cheapest standard premium at the minimum deductible.

The cheapest offers in region 1

Adults (26 and over): Sanitas, CHF 653.70 (standard model, CHF 300 deductible) · all models: Sanitas – Hausarztmodell 1 (family doctor), CHF 568.70 · CHF 2'500 deductible: Sanitas – Hausarztmodell 1 (family doctor), CHF 440.40
Young adults (19 to 25): Sanitas, CHF 420.35 (standard model, CHF 300 deductible) · all models: Sanitas – Hausarztmodell 1 (family doctor), CHF 403.55 · CHF 2'500 deductible: Sanitas – Hausarztmodell 1 (family doctor), CHF 275.25
Children (0 to 18): Sanitas, CHF 134.00 (standard model, CHF 0 deductible) · all models: Sanitas – TelMed Basic, CHF 128.65 · CHF 600 deductible: Sanitas – TelMed Basic, CHF 93.65

For a child, the cheapest standard premium is CHF 134.00 a month (Sanitas, CHF 0 deductible) and CHF 93.65 with the CHF 600 deductible (Sanitas – TelMed Basic).

Municipalities of region 1 (15): Bern, Köniz, Wohlen bei Bern, Biel/Bienne, Ostermundigen, Vechigen, Oberbalm, Bolligen, Kirchlindach, Muri bei Bern, Stettlen, Evilard, Ittigen, Bremgarten bei Bern and others. Type your postcode into the comparator to find your region.

Premium region 2: Sigriswil, Fraubrunnen, Rapperswil (BE)…

For an adult with accident cover, the cheapest standard offer in region 2 is ÖKK at CHF 590.00 a month (CHF 300 deductible), against CHF 572.00 in 2026. Across all models, the cheapest is ÖKK – ÖKK CASAMED HMO (family doctor) at CHF 519.20. With the CHF 2,500 deductible it falls to CHF 396.10 (Visana – VIVA - Gesundheitsplan (family doctor)). The median standard premium is CHF 636.00. On average, standard-model premiums rise by +4.2% compared with 2026.

Monthly premium in CHF, region 2 of the canton of Bern, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 590.00	CHF 519.20	CHF 396.10	CHF 696.10	CHF 1'273
Young adults (19–25)	CHF 415.05	CHF 379.60	CHF 255.10	CHF 521.90	CHF 1'282
Children (0–18)	CHF 129.80	CHF 114.30	CHF 79.30	CHF 187.60	CHF 694

The cheapest offers in region 2

Adults (26 and over): ÖKK, CHF 590.00 (standard model, CHF 300 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 519.20 · CHF 2'500 deductible: Visana – VIVA - Gesundheitsplan (family doctor), CHF 396.10
Young adults (19 to 25): Sanitas, CHF 415.05 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 379.60 · CHF 2'500 deductible: Visana – VIVA - Gesundheitsplan (family doctor), CHF 255.10
Children (0 to 18): ÖKK, CHF 129.80 (standard model, CHF 0 deductible) · all models: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 114.30 · CHF 600 deductible: ÖKK – ÖKK CASAMED HMO (family doctor), CHF 79.30

For a child, the cheapest standard premium is CHF 129.80 a month (ÖKK, CHF 0 deductible) and CHF 79.30 with the CHF 600 deductible (ÖKK – ÖKK CASAMED HMO (family doctor)).

Municipalities of region 2 (212): Sigriswil, Fraubrunnen, Rapperswil (BE), Rüeggisberg, Thun, Worb, Ferenbalm, Kirchdorf (BE), Petit-Val, Rüschegg, Belp, Ersigen, Guggisberg, Hasle bei Burgdorf and others. Type your postcode into the comparator to find your region.

Premium region 3: Lützelflüh, Lauterbrunnen, Langnau im Emmental…

For an adult with accident cover, the cheapest standard offer in region 3 is Agrisano at CHF 541.20 a month (CHF 300 deductible), against CHF 520.40 in 2026. Across all models, the cheapest is Agrisano – AGRIsmart (telmed) at CHF 468.10. With the CHF 2,500 deductible it falls to CHF 357.20 (Agrisano – AGRIsmart (telmed)). The median standard premium is CHF 598.20. On average, standard-model premiums rise by +3.9% compared with 2026.

Monthly premium in CHF, region 3 of the canton of Bern, 2027, with accident cover
Profile	Standard, min. deductible	All models, min. deductible	All models, max. deductible	Dearest standard	Gap per year
Adults (26+)	CHF 541.20	CHF 468.10	CHF 357.20	CHF 673.20	CHF 1'584
Young adults (19–25)	CHF 377.10	CHF 341.80	CHF 230.80	CHF 501.00	CHF 1'487
Children (0–18)	CHF 119.10	CHF 103.00	CHF 72.70	CHF 168.90	CHF 598

The cheapest offers in region 3

Adults (26 and over): Agrisano, CHF 541.20 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 468.10 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 357.20
Young adults (19 to 25): Sanitas, CHF 377.10 (standard model, CHF 300 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 341.80 · CHF 2'500 deductible: Agrisano – AGRIsmart (telmed), CHF 230.80
Children (0 to 18): Agrisano, CHF 119.10 (standard model, CHF 0 deductible) · all models: Agrisano – AGRIsmart (telmed), CHF 103.00 · CHF 600 deductible: Agrisano – AGRIsmart (telmed), CHF 72.70

For a child, the cheapest standard premium is CHF 119.10 a month (Agrisano, CHF 0 deductible) and CHF 72.70 with the CHF 600 deductible (Agrisano – AGRIsmart (telmed)).

Municipalities of region 3 (107): Lützelflüh, Lauterbrunnen, Langnau im Emmental, Rüderswil, Saanen, Seeberg, Sumiswald, Aeschi bei Spiez, Affoltern im Emmental, Frutigen, Lauperswil, Spiez, Diemtigen, Eggiwil and others. Type your postcode into the comparator to find your region.

The 26 health insurers active in the canton of Bern

Agrisano, Aquilana, Assura, Atupri, Avenir, Concordia, CSS, EGK, Galenos, Helsana, KPT, Krankenkasse Luzerner Hinterland, Krankenkasse Steffisburg, Mutuel Assurance, ÖKK, Philos, rhenusana, sana24, Sanitas, SLKK, sodalis, Sumiswalder Krankenkasse, SWICA, Sympany, Visana, vita surselva.

All of them offer exactly the same benefits for basic insurance. None may turn you down. Each insurer has its own page: premiums by canton, rank, models.

Frequently asked questions

01Which health insurer is the cheapest in the canton of Bern in 2027?

For an adult with accident cover, standard model and CHF 300 deductible, it is Agrisano at CHF 541.20 a month (region 3). By accepting an alternative model (family doctor, telemedicine) and the CHF 2,500 deductible, the lowest premium is CHF 357.20 with Agrisano – AGRIsmart (telmed). The cheapest insurer depends on your age, deductible and model: the comparator gives the full ranking for your profile.

02How much does basic insurance cost for a child in the canton of Bern?

In 2027, the cheapest standard premium for a child (0 to 18, CHF 0 deductible) in the canton of Bern is CHF 119.10 a month with Agrisano, and the dearest CHF 197.40. Children pay no more than CHF 350 of co-payment a year and no deductible is compulsory.

03Are premiums rising in the canton of Bern in 2027?

Yes: for adults on the standard model (CHF 300 deductible), premiums in the canton of Bern rise by +3.9% on average between 2026 and 2027, against an average rise of +5.0% in Switzerland according to the FOPH. The rise differs from one insurer to the next, which often changes the ranking: compare every autumn.

04Until when can you switch insurer in the canton of Bern for 2027?

As everywhere in Switzerland, the cancellation letter must reach your current insurer by 30 November 2026 at the latest. The switch takes effect on 1 January 2027. See switch insurer in 5 steps.

Source: Federal Office of Public Health (FOPH), approved 2027 premiums, opendata.swiss dataset of 29.09.2026, processed by PremiMatch on 01.10.2026. Figures with accident cover; employees working 8 hours a week or more pay slightly less without it. Always check your offer on priminfo.admin.ch.

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