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Premiums 2027

Health insurance Bern: the cheapest premiums 2027

Official FOPH premiums for 2027 · As of 30/09/2026

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.

+4.3%
Premium change Bern 2026 to 2027 (standard model, deductible 300)
CHF 637
Average standard premium per month, deductible 300
CHF 1'627
per year between the most expensive and the cheapest insurer, same model and deductible
Calculate your premium by postcode →

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.

#InsurerPremium / monthvs. 2026
1SanitasFamily doctor · Hausarztmodell 1CHF 440.40+3.9%
2Vivao SympanyAlternative · flexhelp24CHF 444.30+6.4%
3CSSAlternative · MultimedCHF 446.10−2.8%
4VisanaHMO · VIVA - GesundheitsplanCHF 446.40+7.0%
5AtupriHMO · HMOCHF 446.70+6.2%
6HelsanaFamily doctor · Helsana BeneFit PLUS Hausarzt R1CHF 449.30+6.8%
7KPTHMO · KPTwin.plus - HMO-HausarztCHF 458.20−1.8%
8SwicaHMO · Favorit SantéCHF 464.40+2.2%
9ConcordiaHMO · HMOCHF 471.30+1.9%
10KK SteffisburgFamily doctor · MedcasaCHF 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.

#InsurerPremium / monthvs. 2026
1SanitasCHF 653.70+3.0%
2Vivao SympanyCHF 662.00+4.9%
3HelsanaCHF 664.00+5.2%
4SumiswalderCHF 671.30+5.3%
5AtupriCHF 678.90+4.8%
6sana24CHF 684.10+2.9%
7vita surselvaCHF 685.00+0.7%
8ÖKKCHF 687.00+3.3%
9VisanaCHF 691.10+3.9%
10MutuelCHF 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:

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).

InsurerScoreYears among the 5 cheapest
Visana9.33 of 8
Sanitas8.28 of 8
Vivao Sympany8.26 of 8
Atupri7.87 of 8
Helsana7.55 of 8
abovergleich Price Consistency Award 2027: Most price-consistent health insurer in the canton of Bern 2027, Visana

Visana is the most price-consistent health insurer in the canton of Bern in 2027.

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.

RegionCheapest 202620262027ChangeRank 2027
Region 1Vivao SympanyTelmed · FlexHelp 24CHF 388.30CHF 413.20+6.4%Market +5.2%2 of 26
Region 2VisanaHMO · VIVA – GesundheitsplanCHF 343.60CHF 370.30+7.8%Market +5.8%1 of 26
Region 3VisanaHMO · VIVA – GesundheitsplanCHF 317.20CHF 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%.

InsurerØ Standard 2027vs. 2026
GalenosCHF 644+0.7%
MutuelCHF 647+0.9%
vita surselvaCHF 652+1.3%
EGKCHF 635+1.4%
ConcordiaCHF 647+1.5%
SwicaCHF 640+2.1%
KPTCHF 643+2.3%
sana24CHF 639+2.9%
SanitasCHF 629+3.0%
ÖKKCHF 613+3.3%
KK Luzerner HinterlandCHF 615+3.6%
VisanaCHF 622+3.9%
AgrisanoCHF 615+4.0%
AquilanaCHF 653+4.0%
rhenusanaCHF 712+4.0%
AvenirCHF 662+4.5%
KK SteffisburgCHF 646+4.5%
AtupriCHF 638+4.9%
sodalisCHF 635+5.0%
SumiswalderCHF 606+5.4%
SLKKCHF 650+5.7%
CSSCHF 657+6.0%
AssuraCHF 655+6.1%
HelsanaCHF 638+6.5%
PhilosCHF 711+6.7%
Vivao SympanyCHF 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.