Key points at a glance
This page is written for residents of Crémines, in the canton of Bern, who want to understand, compare and optimise their health insurance. Basic health insurance (KVG/LAMal) is compulsory, and by law its benefits are identical at every insurer: in Crémines, the real way to save is choosing the insurer, the deductible and the insurance model — not cutting cover.
What sets your premium is your FOPH premium region (Crémines belongs to region 2 in the canton of Bern) — your state of health is irrelevant, because basic insurance carries an obligation to accept every applicant. Crémines has roughly 510 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Crémines, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Corcelles (1 km), Grandval (1 km), Belprahon (3 km).
Crémines at a glance: your local context
Crémines, a municipality of roughly 510 residents in the canton of Bern, has its own profile when it comes to health insurance. Crémines lies in premium region 2 of the canton of Bern (FOPH classification). Because even the next municipality may belong to a different region, premiums for the same cover can differ significantly — what matters is always the exact municipality, not the cantonal average.
- Population: roughly 510
- Canton: Bern
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 2746
- Federal municipality number (BFS): 691
Health insurance and supplementary cover around Crémines: compare neighbouring municipalities
Living or working near Crémines? Each of the closest municipalities has its own local page — handy when you move or when you compare several places to live:
- Health insurance and supplementary cover in Corcelles — 1.0 km away
- Health insurance and supplementary cover in Grandval — 1.2 km away
- Health insurance and supplementary cover in Belprahon — 2.6 km away
- Health insurance and supplementary cover in Eschert — 3.2 km away
- Health insurance and supplementary cover in Roches — 4.9 km away
- Health insurance and supplementary cover in Moutier — 5.4 km away
- Health insurance and supplementary cover in Seehof — 6.2 km away
- Health insurance and supplementary cover in Welschenrohr-Gänsbrunnen — 6.6 km away
- Health insurance and supplementary cover in Lommiswil — 7.2 km away
- Health insurance and supplementary cover in Oberdorf — 7.4 km away
Health insurance premiums 2026 in Crémines: the real numbers
Concretely for Crémines: the 2026 adult premium (deductible 300 CHF) is between 494 and 660 francs a month depending on the provider. Because the scope of basic insurance is identical by law, the choice of insurer alone decides up to 1’999 francs of difference a year. The lowest adult premium there comes with the "HMO / network" model.
| Profile | Deductible 300 CHF | Deductible 2’500 CHF |
|---|---|---|
| Adults (26 and over) | 494 – 660 CHF | from 368 CHF |
| Young adults (19–25) | 357 – 516 CHF | from 231 CHF |
| Children (0–18) | 32 – 152 CHF | — |
That is exactly what our comparison does: it ranks the 85 insurers active in Crémines from the cheapest to the most expensive offer — by age, deductible and chosen model, without touching your benefits.
Compare premiums for Crémines →
Basic insurance in Crémines: choosing insurer, deductible and model
Three decisions drive your premium in Crémines. First, the insurer: with legally identical benefits, it is the biggest lever for saving. Second, the deductible (300 to 2’500 CHF a year): if you rarely see a doctor and hold a reserve, the high deductible is usually the better deal; with regular treatment, choose the low one. For comparison: with a 2’500 CHF deductible, the adult premium in Crémines starts as low as 368 francs a month. Third, the model: family-doctor, HMO or telemedicine models cut the premium significantly compared with free choice of doctor.
Mind the deadlines: for a switch on 1 January, the cancellation must have reached the old insurer by 30 November — what counts is receipt, not the postmark. And check the premium subsidy in the canton of Bern: the entitlement goes surprisingly often unclaimed.
Checklist for Crémines
- Compare every autumn: insurers adjust their rates each year.
- Match the deductible to your own health profile (work out 300 vs. 2’500 CHF).
- Consider an alternative model (family-doctor, HMO, telemedicine) — same basic benefits, lower premium.
- Check your entitlement to premium subsidies in the canton of Bern.
Free premium comparison for Crémines →
How we work for Crémines
Our method has three steps: (1) we start from your real profile (age, deductible, model, accident cover); (2) we rank the insurers in your FOPH premium region for 2026 from cheapest to most expensive; (3) we check your entitlement to premium subsidies in the canton of Bern. Nothing changes in your benefits — basic insurance is identical everywhere — you simply stop overpaying for the same cover. In Crémines this difference is measurable: 494–660 francs a month for adults, i.e. up to 1’999 francs a year across 85 insurers — for identical cover. Compare every autumn before the 30 November cancellation deadline. The comparison is free and without obligation.
FAQ — insurance in Crémines (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Crémines?
In Crémines (postal code 2746), the 2026 adult basic-insurance premium ranges from 494 to 660 francs a month depending on the insurer (deductible 300), from 357 francs for young adults and from 32 francs for children. For identical cover, the difference reaches up to 1’999 francs a year (FOPH premium region 2 of the canton of Bern). Source: FOPH/OFSP, approved premiums 2026.
Do the neighbouring municipalities of Crémines have the same premiums?
Not necessarily. Crémines and nearby municipalities such as Corcelles (1 km), Grandval (1 km) can belong to different FOPH premium regions: for identical cover, the premium can vary from one municipality to the next. Always compare for your exact municipality of residence.
Does this page replace personal advice in Crémines?
No. It explains the insurance and tax concepts for residents of Crémines (canton of Bern). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Health insurance and supplementary cover" in Crémines with no obligation?
Of course. The starting point is your situation in Crémines; only at your request do a concrete comparison and quotes follow. You remain free to decline any offer — free of charge and without obligation.
How is the data from the form handled?
Transmission is encrypted and only takes place after your explicit consent. Details on purpose, recipients and storage duration are in our privacy policy.
Important notes
This local guide for Crémines is for orientation. It replaces neither a personal quote nor the assessment of a regulated professional. The amounts, premiums and deductions mentioned change with your situation, your insurer and the given year.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.