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Health insurance in the canton of Bern: 2026 premiums compared

Official basic insurance premiums — premium region Bern

CHF 534.95
Cheapest premium (CHF 300 deductible)
CHF 614.92
Average (CHF 300 deductible)
CHF 411.95
Cheapest premium (CHF 2,500 deductible)
115
Tariffs compared

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. It is one of only three cantons divided into three premium regions: the cities of Bern and Biel lie in the most expensive region, the agglomeration and towns like Thun in the middle one, and rural areas and the Oberland in the cheapest. Where you live within the canton therefore has a tangible effect on your premium.

The cheapest health insurers in the canton of Bern

Adult (born 1990), CHF 300 deductible, with accident cover, premium region Bern — official FOPH premiums 2026 · 07.09.2026

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Frequently asked questions — health insurance in the canton of Bern

How many premium regions does the canton of Bern have?▼
The canton of Bern is divided into three premium regions — as many as only Lucerne and Zurich besides it. Region 1 covers the cities of Bern and Biel, region 2 the agglomeration and towns such as Thun, and region 3 the rural areas and the Bernese Oberland. The same insurer charges different premiums depending on your municipality.
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 30 November 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 must accept you, whether you live in Bern, Biel or the Oberland.

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