Key points at a glance
This page is written for residents of Studen, 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 Studen, 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 (Studen 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. Studen has roughly 3’326 residents — and every insured person is free to choose their own insurer. Further down are the actual 2026 premiums for Studen, practical tips and a free, no-obligation comparison. Neighbouring municipalities have their own pages too: Worben (1 km), Aegerten (2 km), Schwadernau (2 km).
Studen at a glance: your local context
Studen, a municipality of roughly 3’326 residents in the canton of Bern, has its own profile when it comes to health insurance. Studen 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 3’326
- Canton: Bern
- Basic-insurance premium region (FOPH/OFSP): region 2
- Postal code (NPA): 2557
- Federal municipality number (BFS): 749
Applying for premium subsidies around Studen: compare neighbouring municipalities
Around Studen, every neighbouring municipality has its own page on the topic — useful if a move is coming up or if you are weighing several locations:
- Applying for premium subsidies in Worben — 1.4 km away
- Applying for premium subsidies in Aegerten — 1.5 km away
- Applying for premium subsidies in Schwadernau — 1.8 km away
- Applying for premium subsidies in Brügg — 2.2 km away
- Applying for premium subsidies in Scheuren — 2.5 km away
- Applying for premium subsidies in Orpond — 2.9 km away
- Applying for premium subsidies in Dotzigen — 3.0 km away
- Applying for premium subsidies in Jens — 3.1 km away
- Applying for premium subsidies in Büetigen — 3.2 km away
- Applying for premium subsidies in Port — 4.0 km away
Health insurance premiums 2026 in Studen: the real numbers
The range in Studen is striking: for adults (deductible 300 CHF), the 2026 monthly premium runs from 494 to 660 francs — for basic insurance whose benefits the law fixes identically for every insurer. Comparing therefore saves up to 1’999 francs a year, without giving anything up. 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 | — |
Our comparison tool does this work for you: the 85 insurers available for Studen are ranked by your profile (age, deductible, model) from the lowest to the highest rate — your cover stays unchanged.
Basic insurance in Studen: choosing insurer, deductible and model
Three decisions drive your premium in Studen. 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 Studen 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 Studen
- 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 Studen →
How we work for Studen
Three steps, one goal: first we capture your specific profile (age, deductible, model, accident); then we sort the insurers in your premium region (FOPH 2026) by rate; finally we check the premium subsidy of the canton of Bern. Your benefits stay untouched — by law they are the same at every insurer — only the bill goes down. In Studen 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. Repeat the comparison each autumn before 30 November: free and with no commitment.
FAQ — insurance in Studen (practical guidance, not legal advice)
How much is the 2026 health insurance premium in Studen?
In Studen (postal code 2557), 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 Studen have the same premiums?
Not necessarily. Studen and nearby municipalities such as Worben (1 km), Aegerten (2 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 Studen?
No. It explains the insurance and tax concepts for residents of Studen (canton of Bern). Your decisions should rest on your own documents — and, where needed, on a regulated professional.
Can I compare "Applying for premium subsidies" in Studen with no obligation?
Of course. The starting point is your situation in Studen; 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
Assur-IA's content is maintained carefully, but it can change with legislation, case law and the product range. It constitutes neither a binding offer nor a personal recommendation. Rates, premiums, deductibles and deductions depend on your profile and the reference date.
Official sources
Our figures and information rely on the official publications of the Swiss Confederation.