Health Insurance in Bern (2026) Guide for Expats
How Swiss basic health insurance (KVG/LAMal) works in Bern. See 2026 premiums, models (HMO/Telmed), how to switch by 30 Nov, and where to claim subsidies.
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2026 Premiums in Bern: what to expect
Bern is in premium region 4, with moderate costs as Switzerland's capital. The balanced healthcare infrastructure keeps premiums reasonable compared to major urban centers.
| Profile | Model | Deductible | Typical monthly range (CHF) |
|---|---|---|---|
| Adult 25–35 | Telmed | 2,500 | 250–340 |
| Adult 35–45 | HMO | 2,500 | 280–360 |
| Family (2 adults + child) | HMO mix | mixed | 650–880 |
Note: These are indicative ranges. We'll send 3 tailored offers for your postcode within 24h.
Telmed/HMO Savings
Save 10-25% vs Standard model by accepting some restrictions on doctor choice.
Deductible Logic
Higher deductible = lower monthly premium. Choose based on your expected healthcare usage.
How to set up or switch (for 1 Jan 2026)
Compare models & premiums
Compare Telmed/HMO/Family Doctor/Standard models and their costs for your situation.
Apply to the new insurer
Basic insurance = guaranteed acceptance. No health questions or waiting periods.
Send cancellation by 30 November 2025
Cancel your current policy to start fresh on 1 January 2026.
Not sure which option is best for you?
Premium subsidies (Bern)
Who qualifies
Income-based eligibility varies by canton and household size
What you need
Insurance policy details and tax information
Decision time
Processing varies by canton - apply early
For expats: Residency and tax residence in Switzerland affects eligibility. Most subsidies require you to be registered and paying taxes in Bern.
FAQs — health insurance in Bern
Why are premiums moderate in Bern?
Bern is in premium region 4, with moderate costs reflecting the capital's balanced healthcare infrastructure and population density.
Which model is cheapest in Bern (Telmed, HMO, Family Doctor, Standard)?
Telmed is often the cheapest, followed by HMO/Family Doctor models. Standard usually costs the most but offers the most flexibility.
Can I pick any insurer or only a Bern company?
You can choose any licensed Swiss insurer. Your premium is based on your residence in Bern, regardless of the insurer's location.
Where do I apply for subsidies in Bern?
Apply via the canton premium-reduction portal. Income and residency requirements apply.
When is the deadline to switch for 2026?
Send your cancellation by 30 November 2025 for a 1 January 2026 start.