Health insurance in the canton of Bern: 2027 premiums compared

Calculate 2027 premiums in the canton of Bern

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According to the FOPH, the average health insurance premium in the canton of Bern rises by 5.4% in 2027 to CHF 420.20 a month (adults aged 26 and over: CHF 494.40, +5.0%).

Average monthly premium 2027 in the canton of Bern according to the FOPH
Age groupAverage premium 2027Change vs. 2026
All insured personsCHF 420.20+5.4%
Adults (26 and over)CHF 494.40+5.0%
Young adults (19 to 25)CHF 336.70+6.0%
Children (up to 18)CHF 125.80+4.5%

Source: FOPH, average premiums by canton 2027 across all age groups and by age group (PDFs in German, French and Italian), published on . Averages over all insured persons in the canton or in the age group concerned, including optional deductibles and models, rounded.

2027 health insurance premiums in the canton of Bern: our comparison

A different measure from the FOPH average, which covers all age groups, deductibles and models: these are concrete tariffs of the health insurers in our comparison for one reference profile with a CHF 300 or CHF 2,500 deductible (stated with each figure).

Basic insurance premiums according to the FOPH, less the redistribution of environmental levies — premium region Bern

In our comparison, the cheapest basic insurance in the canton of Bern costs CHF 567.95 a month in 2027; the average across 22 tariffs compared is CHF 618.28 (adult born 1990, CHF 300 deductible, with accident cover, premium region Bern).

Cheapest premium (CHF 300 deductible)
CHF 567.95
Average (CHF 300 deductible)
CHF 618.28
Cheapest premium (CHF 2,500 deductible)
CHF 439.55
Tariffs compared
22
Change compared with 2026:
  • Cheapest premium: +CHF 27.20 (+5.0%)
  • Average: +CHF 16.53 (+2.7%)
  • Cheapest premium with CHF 2,500 deductible: +CHF 27.20 (+6.6%)

The canton of Bern is Switzerland's second most populous canton, stretching from the Seeland across the bilingual Biel/Bienne region to the Bernese Oberland. Like Zurich, Lucerne, St. Gallen and Grisons, it is divided into three premium regions: Bern, Biel/Bienne, Köniz and Ostermundigen are in region 1 with the highest premiums, towns such as Thun and Burgdorf in region 2, places such as Interlaken and Langenthal in region 3. Where you live within the canton therefore has a tangible effect on your premium.

The cheapest tariffs in our comparison (canton of Bern)

Sympany
flexhelp24
Telmed / other
CHF 567.95
new to the list
Sympany
casamed pharm
Telmed / other
CHF 577.85
new to the list
Sympany
casamed hmo
HMO
CHF 577.85
+CHF 27.70 (+5.0%)
Sympany
casamed family doctor
Family doctor model
CHF 581.15
+CHF 27.80 (+5.0%)
Sympany
callmed 24
Telmed / other
CHF 581.15
new to the list

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Bern — FOPH premiums 2027, less the redistribution of environmental levies · 12.11.2026

Health insurers that are not in our comparison are also missing from the figures on this page.

Premiums for all 26 cantons in one table →

Which premium region is your municipality in?

Region 1 comprises 15 municipalities: Bern, Biel/Bienne, Bolligen, Bremgarten bei Bern, Évilard, Ittigen, Kirchlindach, Köniz, Muri bei Bern, Oberbalm, Ostermundigen, Stettlen, Vechigen, Wohlen bei Bern and Zollikofen. Region 2 includes, for example, Steffisburg, Lyss, Münsingen, Worb, Belp, Nidau and Saint-Imier. Region 3 includes, for instance, Spiez, Frutigen, Saanen, Meiringen, Langnau im Emmental and Huttwil. What counts is the municipality of residence, not the postcode.

Sources: EDI: Verordnung über die Prämienregionen, Anhang 1 (AS 2026 483) · FOPH: Health insurance: Premium regions

Who checks in the canton of Bern whether you are insured?

In the canton of Bern, the Amt für Sozialversicherungen (ASV, the cantonal social insurance office) is responsible for monitoring the obligation to be insured. Since 2022, it has automatically checked whether newcomers and newborns are insured, based on the municipalities' reports of arrivals and births. You do not have to send the ASV any proof that you have taken out insurance. If you do not take out basic insurance, the ASV can assign you to a health insurer.

Sources: ASV Kanton Bern: Informationen für Bewohnerinnen und Bewohner · ASV Kanton Bern: Informationen für Gemeinden · ASV Kanton Bern: Grundversicherung in der Schweiz

Studying in Bern: do you have to take out insurance in Switzerland?

Anyone who has statutory health insurance in an EU or EFTA state, does not work in Switzerland and stays only temporarily for their education does not need Swiss basic insurance. Every contractual relationship in Switzerland counts as work, including a side job, a paid internship or a doctoral position. As soon as you work here, the obligation to be insured applies; if you come from Germany, France, Italy or Austria, you can have the ASV check whether your statutory health insurance is sufficient. Whether you need no basic insurance or are applying for an exemption: the check is done through the ASV's online tool.

Sources: ASV Kanton Bern: Ausnahmen von der Versicherungspflicht · ASV Kanton Bern: Informationen für Bewohnerinnen und Bewohner

How much could you save?

Calculate your personal premium in two minutes — Bern is already pre-filled as the place of residence and can be changed. Free and without obligation.

Calculate premiums in the canton of Bern →

Frequently asked questions — health insurance in the canton of Bern

How much do premiums rise in 2027 in the canton of Bern?▼
According to the Federal Office of Public Health (FOPH), the average monthly premium in the canton of Bern rises by 5.4% in 2027 to CHF 420.20 (2026: CHF 398.80). For adults aged 26 and over it is CHF 494.40 (+5.0%), for young adults aged 19 to 25 CHF 336.70 (+6.0%) and for children up to 18 CHF 125.80 (+4.5%). These are averages over all insured persons in the canton, including optional deductibles and models (FOPH, 29.09.2026). Your own premium depends on your premium region, age, insurer, deductible and model.
Which health insurer is cheapest in the canton of Bern in 2027?▼
In our comparison, basic insurance for adults starts at CHF 439.55 per month (CHF 2,500 deductible, with accident cover, premium region Bern). The cheapest tariffs with a CHF 300 deductible are further up this page. Our comparison does not show all health insurers; all premiums are available from the FOPH at priminfo.admin.ch.
What should insured persons in the canton of Bern pay attention to?▼
Whenever you move — for example from the city of Bern to the countryside — check your new premium region, as the differences between regions are considerable. HMO centres are well represented in Bern, Biel and Thun, while in the Oberland and rural areas family-doctor and telemedicine models are the more practical ways to save. Bilingual residents will find insurers offering service in both German and French.
How do I switch health insurer in the canton of Bern?▼
Your written cancellation of basic insurance must reach your current insurer by Monday, 30 November 2026 at the latest. The old contract ends on 31 December and the new policy starts on 1 January. There is no health check — every insurer that operates in the canton of Bern must accept you, whether you live in Bern, Biel or the Oberland.

Sources

Official data behind the figures on this page (external links).

All health insurers and cantons

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