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Premium atlas · Canton of Bern · Premium region 1

Health insurance premiums Bern region 1 2027

In premium region 1 of the canton of Bern (15 municipalities), basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 703.34 per month, unweighted across 26 insurers. That is CHF 58.84 more than the cantonal average. The cheapest premium is CHF 568.70 (“GP/HMO” model, Sanitas).

Data as at: FOPH, premiums 2027, retrieved on · Sources · Methodology: How we calculate

Our own calculation · average of all insurers, unweighted

Premiums in region 1 2027 in figures

Average standard model, adultsCHF 703.34per month, 26 insurers
Change from previous year+3.6 %2026: CHF 678.93
Cheapest premiumCHF 568.70GP/HMO, Sanitas
Ø standard model, young adultsCHF 526.90aged 19 to 25, per month
Ø standard model, childrenCHF 166.53up to 18, per month
Average standard model
Unweighted average of the monthly premiums of all insurers in the standard model (free choice of physicians), adults aged 26 and over, CHF 300 deductible, with accident cover; for each insurer, its cheapest standard tariff. Not an FOPH average (the FOPH weights by number of insured people).
Change from previous year
Change in the standard model average compared with the previous year, in per cent (same definition in both years).
Cheapest premium
Lowest monthly premium of all insurers across all models (standard, GP/HMO, telemedicine and others), adults aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities.
Young adults and children
Calculated in the same way as the standard model average: young adults aged 19 to 25, CHF 300 deductible, with accident cover; children up to 18, CHF 0 deductible, with accident cover. The average of all insurers is unweighted and is not an FOPH “average premium”.

Source: FOPH, health insurance premiums 2027, opendata.swiss, retrieved on 15.10.2026; our own calculation.

FOPH assignment 2027

15 municipalities in region 1

  • Region 1 (this page): Ø CHF 703.34
  • Region 2: Ø CHF 635.46
  • Region 3: Ø CHF 594.69
Average standard model, adults aged 26 and over (unweighted). Boundaries: © swisstopo, swisstopo, swissBOUNDARIES3D (edition 2026-01), as at 01.01.2026.

In all municipalities of a premium region an insurer charges the same premium. Region 1 of the canton of Bern comprises:

  • Bern
  • Biel/Bienne
  • Bolligen
  • Bremgarten bei Bern
  • Evilard
  • Ittigen
  • Kirchlindach
  • Köniz
  • Muri bei Bern
  • Oberbalm
  • Ostermundigen
  • Stettlen
  • Vechigen
  • Wohlen bei Bern
  • Zollikofen

Source: FOPH, premium regions 2027 (priminfo.admin.ch), as at 15.10.2026.

Our own calculation · unweighted

Comparison with the other regions

Average of all insurers in the standard model, adults aged 26 and over, CHF 300 deductible, with accident cover. Positive values: the other region is more expensive than region 1.

Standard model average in the canton of Bern, adults aged 26 and over: region 1 compared
RegionØ standard modelDifference in CHFDifference in %
Region 1 (this page)CHF 703.34––
Region 2CHF 635.46−67.88−9.7 %
Region 3CHF 594.69−108.65−15.4 %
From the FOPH premium data

Cheapest offers by model and age group

Lowest monthly premium in region 1 (Bern) in 2027 by model type, with accident cover. Children: up to 18, CHF 0 deductible, with accident cover; young adults: aged 19 to 25, CHF 300 deductible, with accident cover; adults: aged 26 and over, CHF 300 deductible, with accident cover. Alternative models are sometimes only available in certain municipalities; the premium calculator shows whether an offer applies where you live. Models: Standard (free choice of physicians), GP/HMO (GP practice or HMO first), Flex (several first points of contact to choose from), Telemedicine and others (advice by phone or online first (FOPH: “other models”)).

Lowest monthly premium in region 1 (Bern) by age group and model type 2027
Age groupModelCheapest premiumInsurerØ of all insurers
ChildrenStandardCHF 134.00SanitasTariff BASECHF 166.53
GP/HMOCHF 130.00SanitasTariff GP model 1CHF 149.20
FlexCHF 131.30SanitasTariff MultiAccessCHF 151.47
Telemedicine and othersCHF 128.65SanitasTariff TelMed BasicCHF 149.98
Young adultsStandardCHF 420.35SanitasTariff BASECHF 526.90
GP/HMOCHF 403.55SanitasTariff GP model 1CHF 469.84
FlexCHF 407.75SanitasTariff MultiAccessCHF 462.80
Telemedicine and othersCHF 403.55SanitasTariff TelMed BasicCHF 473.89
AdultsStandardCHF 653.70SanitasTariff BASECHF 703.34
GP/HMOCHF 568.70SanitasTariff GP model 1CHF 620.22
FlexCHF 572.70SympanyTariff flexhelp24CHF 613.09
Telemedicine and othersCHF 578.40AtupriTariff TelFirstCHF 628.19

Source: FOPH, health insurance premiums 2027, opendata.swiss. Sorted by premium, never by remuneration.

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Frequently asked questions

How high are health insurance premiums in premium region 1 (Bern) in 2027?

In premium region 1 of the canton of Bern (15 municipalities), basic health insurance in 2027 costs adults aged 26 and over in the standard model (CHF 300 deductible, with accident cover) an average of CHF 703.34 per month, unweighted across 26 insurers. That is CHF 58.84 more than the cantonal average. The cheapest premium is CHF 568.70 (“GP/HMO” model, Sanitas). In the standard model, young adults (aged 19 to 25, CHF 300 deductible, with accident cover) CHF 526.90 and children (up to 18, CHF 0 deductible, with accident cover) CHF 166.53 per month on average.

Which municipalities belong to premium region 1 of the canton of Bern?

Premium region 1 comprises 15 municipalities: Bern, Biel/Bienne, Bolligen, Bremgarten bei Bern, Evilard, Ittigen, Kirchlindach, Köniz, Muri bei Bern, Oberbalm, Ostermundigen, Stettlen, Vechigen, Wohlen bei Bern, Zollikofen. The FOPH assignment for 2027 applies.

How do premiums differ from the other regions in the canton of Bern?

Compared with region 1 (CHF 703.34), adults aged 26 and over pay on average in the standard model (CHF 300 deductible, with accident cover): Region 2 CHF 635.46 (CHF 67.88 or 9.7% less), Region 3 CHF 594.69 (CHF 108.65 or 15.4% less). Insurers may vary their premiums by region; the regions are set by the FDHA (SR 832.106).

Which health insurer is cheapest in premium region 1 (Bern)?

Across all models, Sanitas is cheapest at CHF 568.70 per month (“GP/HMO” model; adults aged 26 and over, CHF 300 deductible, with accident cover). In the standard model with free choice of physicians, Sanitas is cheapest at CHF 653.70. Which insurer is cheapest for you depends on your municipality, age, deductible and model; the premium calculator shows you.

How do I switch health insurer in premium region 1 (Bern)?

Cancel your basic health insurance in writing with your insurer: your notice must arrive by 30.11.2026; the postmark does not count. The switch takes effect on 01.01.2027. Every insurer must accept you for basic health insurance, regardless of age and health (Art. 4 para. 2 KVG). Supplementary insurance has its own deadlines under the general terms and conditions.

Sources

  1. FOPH, health insurance premiums 2011–2027 (opendata.swiss), retrieved on 15.10.2026opendata.swiss
  2. FOPH, priminfo.admin.ch, premium regions 2027, as at 15.10.2026priminfo.admin.ch
  3. swisstopo, swissBOUNDARIES3D (edition 2026-01) (© swisstopo)swisstopo.admin.ch
  4. FDHA Ordinance on Premium RegionsSR 832.106fedlex.admin.ch
  5. Federal Health Insurance Act (KVG), Art. 4Art. 4 para. 2 KVGfedlex.admin.ch
  6. Federal Health Insurance Act (KVG), Art. 7Art. 7 para. 2 KVGfedlex.admin.ch