LAMal in the Canton of Bern: a guide to premiums and subsidies (cross-border guide)

Context

In a nutshell

• LAMal premiums in Canton Bern are subject to differences compared to other Swiss cantons.
• The optimal deductible for LAMal premiums in Canton Bern is CHF 300.
• Cash change and subsidies available for LAMal premiums in the Canton of Bern are subject to specific rules.

Key facts

• What: LAMal premiums in Canton Bern
• When: 2026
• Where: Canton Bern
• Who: LAMal Insurance
• Amount: CHF 300 (optimal deductible)

The Compulsory Sickness Act (LAMal) is a private premium insurance per capita that covers medical expenses for residents of Switzerland. LAMal premiums in Canton Bern are subject to differences compared to other Swiss cantons.

Premises

LAMal is a private insurance that covers medical expenses for residents of Switzerland. It is mandatory for all Swiss citizens and foreign residents living in Switzerland. LAMal premiums are paid by all beneficiaries and are used to cover medical expenses.

LAMal Awards in Canton Bern

LAMal premiums in Canton Bern are subject to differences compared to other Swiss cantons. The optimal deductible for LAMal premiums in the Canton of Bern is CHF 300. This means that if the cost of medical expenses is less than CHF 300, the beneficiary does not have to pay any premium.

Cash change and subsidies

The cash changeover and subsidies available for LAMal premiums in the Canton of Bern are subject to specific rules. The cash change is the

Operational details

LAMal in the Canton of Bern: a guide to premiums and subsidies

The optimal deductible for LAMal premiums in the Canton of Bern is CHF 300. This means that LAMal premiums in Canton Bern will not be applied until the cost of care exceeds CHF 300. The cash changeover and subsidies available for LAMal premiums in the Canton of Bern are subject to specific rules.

Concrete examples

For example, if a citizen of the Canton of Bern were to incur a cost of CHF 250 for surgery, he would not receive any LAMal award, since the cost of care does not exceed the excess of CHF 300. However, if the same citizen were to incur a cost of CHF 350 for the same surgery, he would receive a LAMal premium of CHF 50, as the cost of care exceeds the excess of CHF 300.

Regulations and rules

The legislation regulating LAMal premiums in the Canton of Bern is the "Medical-Legal Insurance Act (LAMal)" of 1996. According to this regulation, LAMal premiums are subject to a deductible of CHF 300. In addition, the law provides that the subsidies available for LAMal awards are subject to specific rules and that the cash changeover is governed by specific rules.

Cash changes and subsidies

The cash changeover and subsidies available for LAMal premiums in the Canton of Bern are subject to specific rules. According to the law, the subsidies available for LAMal premiums are CHF 10,000 per year. In addition, the cash changeover is governed by specific rules that

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Key points

LAMal in Canton Bern: guide to premiums and subsidies

If you are interested in learning about LAMal premiums in the Canton of Bern, we recommend that you consult the official LAMal Insurance website or contact an expert in the field. In addition, you can use our calculator to determine LAMal premiums in Canton Bern based on your specific needs.

What is LAMal?

LAMal (Health Insurance Act) is a Swiss law that regulates compulsory health insurance for all Swiss citizens. LAMal is managed by the Federal Department of the Interior (DFI) and by each canton, which is responsible for the management of prizes and subsidies for its residents.

LAMal Awards in Canton Bern

LAMal awards in the Canton of Bern are determined annually by the State Council of the Canton of Bern according to federal and cantonal laws. Premiums are calculated based on taxpayers' income and age. For example, in 2022, the average LAMal premium for a taxpayer with an income of CHF 50,000 and aged 40 was around CHF2,500 per year.

LAMal subsidies in Canton Bern

LAMal subsidies in Canton Bern are intended for those who cannot pay LAMal premiums based on their income. The subsidies are provided by the State Council of the Canton of Bern and may vary according to the economic situation of the taxpayer. For example, in 2022, the maximum Lam subsidy for a taxpayer with an income of CHF 20,000 and 30 years