Health insurance in Bern: what you need to know
Capital of Switzerland, seat of the Federal Office of Public Health (FOPH). Premium region 1, with Inselspital as the largest university hospital.
As a resident of Bern (ZIP 3011), you are assigned to premium region 1 within the Canton of Bern. The Federal Office of Public Health (FOPH) defines premium regions nationally — insurers must comply and may set different premiums per region.
The Canton of Bern is divided into 3 premium regions in total. The gap between the most expensive and cheapest region can reach CHF 30-80 per month — a difference worth factoring into your comparison.
Hospital coverage in Bern
The mandatory basic insurance (KVG/LAMal) covers general hospital treatment in your canton of residence. Residents of Bern have access to the following hospitals:
- Inselspital Bern
- Salem-Spital
- Lindenhofspital
If you want free hospital choice or a private/semi-private room, you need a supplementary hospital insurance (VVG/LCA). In our VVG comparison.
How to switch health insurance in Bern
- Start the comparison in the Findbetter wizard — enter ZIP 3011, age, and preferred model.
- Review the top offers and pick the best insurer.
- We auto-generate the application form. You sign digitally and we forward it FINMA-compliant via our partner Northlake Partners.
- If needed: we cancel your old insurer via registered letter — in time before November 30.
- From January 1, 2027, everything runs with your new insurer. You'll receive your new insurance card by post in December.
Full step-by-step guide → KVG switch 2027 guide
Frequently asked questions from Bern
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