Health insurance Bern: the cheapest premiums 2027
The cheapest basic health insurance for adults in the canton of Bern costs CHF 440.40 per month in 2027 (Sanitas, Family doctor, deductible 2'500, in premium region 1). Benefits are set by law and identical at every insurer, you only pay a different price.
The 10 cheapest health insurers in the canton of Bern 2027
Adults aged 26 and over, deductible CHF 2'500, with accident cover, in premium region 1. The cheapest tariff of each insurer. The change compares the same tariff with 2026.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | SanitasFamily doctor · Hausarztmodell 1 | CHF 440.40 | +3.9% |
| 2 | Vivao SympanyAlternative · flexhelp24 | CHF 444.30 | +6.4% |
| 3 | CSSAlternative · Multimed | CHF 446.10 | −2.8% |
| 4 | VisanaHMO · VIVA - Gesundheitsplan | CHF 446.40 | +7.0% |
| 5 | AtupriHMO · HMO | CHF 446.70 | +6.2% |
| 6 | HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1 | CHF 449.30 | +6.8% |
| 7 | KPTHMO · KPTwin.plus - HMO-Hausarzt | CHF 458.20 | −1.8% |
| 8 | SwicaHMO · Favorit Santé | CHF 464.40 | +2.2% |
| 9 | ConcordiaHMO · HMO | CHF 471.30 | +1.9% |
| 10 | KK SteffisburgFamily doctor · Medcasa | CHF 472.10 | +4.3% |
Standard model with free choice of doctor
If you want no restriction on your choice of doctor: the cheapest insurers in the standard model, deductible CHF 300, in premium region 1.
| # | Insurer | Premium / month | vs. 2026 |
|---|---|---|---|
| 1 | Sanitas | CHF 653.70 | +3.0% |
| 2 | Vivao Sympany | CHF 662.00 | +4.9% |
| 3 | Helsana | CHF 664.00 | +5.2% |
| 4 | Sumiswalder | CHF 671.30 | +5.3% |
| 5 | Atupri | CHF 678.90 | +4.8% |
| 6 | sana24 | CHF 684.10 | +2.9% |
| 7 | vita surselva | CHF 685.00 | +0.7% |
| 8 | ÖKK | CHF 687.00 | +3.3% |
| 9 | Visana | CHF 691.10 | +3.9% |
| 10 | Mutuel | CHF 692.90 | +0.9% |
Premium regions in the canton of Bern
The canton is divided into 3 premium regions. The tables above apply to premium region 1. In the other regions, the cheapest insurer is:
- premium region 2: Visana (HMO), CHF 396.10 per month
- premium region 3: Agrisano (Telmed), CHF 357.20 per month
Municipalities in premium region 1 (15)
Bern, Biel/Bienne, Bolligen, Bremgarten bei Bern, Evilard, Ittigen, Kirchlindach, Köniz, Muri bei Bern, Oberbalm, Ostermundigen, Stettlen, Vechigen, Wohlen bei Bern, Zollikofen
Municipalities in premium region 2 (212)
Aarberg, Aefligen, Aegerten, Alchenstorf, Allmendingen, Amsoldingen, Arch, Arni (BE), Bargen (BE), Bellmund, Belp, Belprahon, Biglen, Blumenstein, Bowil, Brenzikofen, Brügg, Brüttelen, Buchholterberg, Burgdorf, Burgistein, Bäriswil, Bätterkinden, Büetigen, Bühl, Büren an der Aare, Champoz, Corcelles (BE), Corgémont, Cormoret, Cortébert, Court, Courtelary, Crémines, Deisswil bei Münchenbuchsee, Diessbach bei Büren, Dotzigen, Epsach, Eriz, Erlach, Ersigen, Eschert, Fahrni, Ferenbalm, Finsterhennen, Forst-Längenbühl, Fraubrunnen, Frauenkappelen, Freimettigen, Gals, Gampelen, Gerzensee, Grandval, Grossaffoltern, Grosshöchstetten, Guggisberg, Gurbrü, Gurzelen, Hagneck, Hasle bei Burgdorf, Heiligenschwendi, Heimberg, Heimiswil, Hellsau, Herbligen, Hermrigen, Hilterfingen, Hindelbank, Homberg, Horrenbach-Buchen, Häutligen, Höchstetten, Iffwil, Ins, Ipsach, Jaberg, Jegenstorf, Jens, Kallnach, Kappelen, Kaufdorf, Kehrsatz, Kernenried, Kiesen, Kirchberg (BE), Kirchdorf (BE), Konolfingen, Koppigen, Krauchthal, Kriechenwil, La Ferrière, La Neuveville, Landiswil, Laupen, Lengnau (BE), Leuzigen, Ligerz, Linden, Loveresse, Lyss, Lyssach, Lüscherz, Mattstetten, Meienried, Meikirch, Meinisberg, Merzligen, Mirchel, Mont-Tramelan, Moosseedorf, Mörigen, Mühleberg, Münchenbuchsee, Münchenwiler, Münsingen, Müntschemier, Neuenegg, Nidau, Niederhünigen, Niedermuhlern, Nods, Oberburg, Oberdiessbach, Oberhofen am Thunersee, Oberhünigen, Oberlangenegg, Oberthal, Oberwil bei Büren, Oppligen, Orpund, Orvin, Perrefitte, Petit-Val, Pieterlen, Plateau de Diesse, Pohlern, Port, Péry-La Heutte, Radelfingen, Rapperswil (BE), Rebévelier, Reconvilier, Renan (BE), Reutigen, Riggisberg, Roches (BE), Romont (BE), Rubigen, Rumendingen, Rüdtligen-Alchenflüh, Rüeggisberg, Rüschegg, Rüti bei Büren, Rüti bei Lyssach, Safnern, Saicourt, Saint-Imier, Sauge, Saules (BE), Schelten, Scheuren, Schwadernau, Schwarzenburg, Schüpfen, Seedorf (BE), Seehof, Seftigen, Sigriswil, Siselen, Sonceboz-Sombeval, Sonvilier, Sorvilier, Steffisburg, Studen (BE), Sutz-Lattrigen, Tavannes, Teuffenthal (BE), Thierachern, Thun, Thurnen, Toffen, Tramelan, Treiten, Tschugg, Twann-Tüscherz, Täuffelen, Uebeschi, Uetendorf, Unterlangenegg, Urtenen-Schönbühl, Uttigen, Utzenstorf, Valbirse, Villeret, Vinelz, Wachseldorn, Wald (BE), Walkringen, Walperswil, Wattenwil, Wengi, Wichtrach, Wiggiswil, Wiler bei Utzenstorf, Wileroltigen, Willadingen, Worb, Worben, Wynigen, Zielebach, Zuzwil (BE), Zäziwil
Municipalities in premium region 3 (107)
Aarwangen, Adelboden, Aeschi bei Spiez, Affoltern im Emmental, Attiswil, Auswil, Bannwil, Beatenberg, Berken, Bettenhausen, Bleienbach, Boltigen, Brienz (BE), Brienzwiler, Busswil bei Melchnau, Bönigen, Diemtigen, Därligen, Därstetten, Dürrenroth, Eggiwil, Eriswil, Erlenbach im Simmental, Farnern, Frutigen, Gondiswil, Graben, Grindelwald, Gsteig, Gsteigwiler, Guttannen, Gündlischwand, Habkern, Hasliberg, Heimenhausen, Herzogenbuchsee, Hofstetten bei Brienz, Huttwil, Inkwil, Innertkirchen, Interlaken, Iseltwald, Kandergrund, Kandersteg, Krattigen, Langenthal, Langnau im Emmental, Lauenen, Lauperswil, Lauterbrunnen, Leissigen, Lenk, Lotzwil, Lütschental, Lützelflüh, Madiswil, Matten bei Interlaken, Meiringen, Melchnau, Niederbipp, Niederried bei Interlaken, Niederönz, Oberbipp, Oberried am Brienzersee, Oberwil im Simmental, Ochlenberg, Oeschenbach, Reichenbach im Kandertal, Reisiswil, Ringgenberg (BE), Roggwil (BE), Rohrbach, Rohrbachgraben, Rumisberg, Röthenbach im Emmental, Rüderswil, Rüegsau, Rütschelen, Saanen, Saxeten, Schangnau, Schattenhalb, Schwanden bei Brienz, Schwarzhäusern, Seeberg, Signau, Spiez, St. Stephan, Stocken-Höfen, Sumiswald, Thunstetten, Thörigen, Trachselwald, Trub, Trubschachen, Unterseen, Ursenbach, Walliswil bei Niederbipp, Walliswil bei Wangen, Walterswil (BE), Wangen an der Aare, Wiedlisbach, Wilderswil, Wimmis, Wynau, Wyssachen, Zweisimmen
Consistently cheap in the canton of Bern
Not just cheap this year, but over the years: the five insurers with the best score in the Price Consistency Rating, calculated for the canton’s main region. The last column shows in how many years since 2020 the insurer was among the 5 cheapest here (deductible 2'500).
| Insurer | Score | Years among the 5 cheapest |
|---|---|---|
| Visana | 9.3 | 3 of 8 |
| Sanitas | 8.2 | 8 of 8 |
| Vivao Sympany | 8.2 | 6 of 8 |
| Atupri | 7.8 | 7 of 8 |
| Helsana | 7.5 | 5 of 8 |
Cheapest last year, and now?
The cheapest tariff of 2026 in each premium region of the canton and what the same tariff costs in 2027. Adults, deductible 2'500, without accident cover, per month. If you switched to the cheapest insurer last year, compare again this year.
| Region | Cheapest 2026 | 2026 | 2027 | Change | Rank 2027 |
|---|---|---|---|---|---|
| Region 1 | Vivao SympanyTelmed · FlexHelp 24 | CHF 388.30 | CHF 413.20 | +6.4%Market +5.2% | 2 of 26 |
| Region 2 | VisanaHMO · VIVA – Gesundheitsplan | CHF 343.60 | CHF 370.30 | +7.8%Market +5.8% | 1 of 26 |
| Region 3 | VisanaHMO · VIVA – Gesundheitsplan | CHF 317.20 | CHF 342.20 | +7.9%Market +6.0% | 2 of 26 |
How much each insurer raises premiums in the canton of Bern
Change in the standard premium from 2026 to 2027, deductible 300, adults, average across premium regions. The smallest increase is at the top. Canton average: +4.3%.
| Insurer | Ø Standard 2027 | vs. 2026 |
|---|---|---|
| Galenos | CHF 644 | +0.7% |
| Mutuel | CHF 647 | +0.9% |
| vita surselva | CHF 652 | +1.3% |
| EGK | CHF 635 | +1.4% |
| Concordia | CHF 647 | +1.5% |
| Swica | CHF 640 | +2.1% |
| KPT | CHF 643 | +2.3% |
| sana24 | CHF 639 | +2.9% |
| Sanitas | CHF 629 | +3.0% |
| ÖKK | CHF 613 | +3.3% |
| KK Luzerner Hinterland | CHF 615 | +3.6% |
| Visana | CHF 622 | +3.9% |
| Agrisano | CHF 615 | +4.0% |
| Aquilana | CHF 653 | +4.0% |
| rhenusana | CHF 712 | +4.0% |
| Avenir | CHF 662 | +4.5% |
| KK Steffisburg | CHF 646 | +4.5% |
| Atupri | CHF 638 | +4.9% |
| sodalis | CHF 635 | +5.0% |
| Sumiswalder | CHF 606 | +5.4% |
| SLKK | CHF 650 | +5.7% |
| CSS | CHF 657 | +6.0% |
| Assura | CHF 655 | +6.1% |
| Helsana | CHF 638 | +6.5% |
| Philos | CHF 711 | +6.7% |
| Vivao Sympany | CHF 653 | +7.5% |
Frequently asked questions
Which health insurer is cheapest in the canton of Bern in 2027?
For adults with a 2'500 deductible and accident cover, Sanitas (Family doctor) is the cheapest at CHF 440.40 per month, in premium region 1. In the standard model with a 300 deductible it is Sanitas at CHF 653.70.
How much are health insurance premiums rising in 2027 in the canton of Bern?
The standard premium for adults with a 300 deductible rises by +4.3% on average in the canton of Bern, weighted by each insurer’s number of insured persons. Across Switzerland, the average premium rises by 5.0% according to the FOPH.
When is the deadline to switch health insurer for 2027?
Your cancellation of basic insurance must reach your insurer by 30 November 2026. The new insurer must accept you without health questions, and the switch takes effect on 1 January 2027.
Source: Federal Office of Public Health (FOPH), premiums 2027 and 2026 (opendata.swiss). No liability for accuracy. How we calculate: methodology. All cantons: overview.