Living in Bern Complete Guide for Expats
Your comprehensive guide to life in Switzerland's capital city. From housing to healthcare, discover everything you need to know about Bern.
Introduction to Bern
Bern, Switzerland's capital city, offers a unique blend of political importance, cultural richness, and historic charm. The city's medieval old town, a UNESCO World Heritage site, features distinctive covered arcades, historic fountains, and the iconic Zytglogge (Clock Tower). As the seat of the Swiss government, Bern combines political significance with a relaxed, small-city atmosphere.
Situated along the Aare River, Bern provides an exceptional quality of life with its extensive green spaces, excellent public transportation, and strong emphasis on sustainability. The city's central location makes it an ideal base for exploring Switzerland, while its robust economy, anchored by government institutions and leading companies, offers diverse professional opportunities.
Living in Bern
Neighborhoods Overview
Old Town (Altstadt)
UNESCO World Heritage site with historic charm
Kirchenfeld
Upscale area with museums and embassies
Länggasse
University district with vibrant atmosphere
Breitenrain
Popular residential area north of Aare
Health Insurance in Bern
Bern offers moderate health insurance premiums compared to other major Swiss cities. Here's what you need to know:
Visana
Headquartered in Bern with strong local presence
- Local offices
- English service
- Digital platform
KPT
Bern-based insurer with competitive rates
- Competitive premiums
- Digital services
- Local support
CSS
Extensive network in Bern canton
- Many service points
- Digital claims
- Family discounts
Helsana
Comprehensive coverage options
- English support
- Digital services
- Wide network
Basic Insurance Coverage
- Doctor visits and specialist care
- Hospital treatment (general ward)
- Prescription medications
- Pregnancy and maternity care
- Accident coverage
- Emergency treatment
- Preventive care including some vaccinations
Supplementary Insurance Options
- Semi-private or private hospital rooms
- Broader choice of doctors
- Alternative medicine treatments
- Dental care (not covered under basic insurance)
- Enhanced international coverage
- Expanded preventive care options
Setting Up Your Insurance
New to Switzerland?
Visit our guide to setting up health insurance for the first time.
Already Insured?
Learn about switching health insurance providers to get better rates.
Frequently Asked Questions
- How much does health insurance cost in Bern?
- Health insurance premiums in Bern are moderate by Swiss standards, typically ranging from CHF 300-450 per month for adults. The exact cost depends on your chosen model, deductible, and insurance provider.
- What's the best area to live in Bern?
- Popular areas include the UNESCO-listed Old Town (historic center), Kirchenfeld (upscale), and Länggasse (university district). Each area offers different advantages - Old Town for culture and charm, Kirchenfeld for elegant living, and Länggasse for a vibrant atmosphere.
- Is English widely spoken in Bern?
- While German is the primary language, English is widely spoken in business settings, tourist areas, and among younger people. However, learning basic German is recommended for daily life and integration.
- What's the average rent in Bern?
- Rental prices in Bern are lower than Zurich or Geneva. A 1-bedroom apartment in the city center typically costs CHF 1,500-2,000 per month, while outside the center it's CHF 1,200-1,600. 3-bedroom apartments range from CHF 2,200-3,500.
- How do I find an English-speaking doctor in Bern?
- Many doctors in Bern speak English, especially in private practices. Your health insurance provider can provide a list of English-speaking doctors. Additionally, major hospitals like Inselspital have English-speaking staff.
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