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Assura-Basis or Mutuel in Region 2 of canton Bern?

In Region 2, Assura-Basis is CHF 518.40 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Assura-Basis comes down to CHF 509.90 a month, Mutuel to CHF 553.10. The gap is CHF 518.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to Assura-Basis is worth CHF 195.60 more a year. Visana

Where they stand in the region

Assura-Basis ranks 5 and Mutuel ranks 23, out of 26 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleAssura-BasisMutuelGap
300CHF 586.00CHF 632.10− 46.10
500CHF 574.40CHF 620.60− 46.20
1'000CHF 545.20CHF 591.60− 46.40
1'500CHF 516.00CHF 562.10− 46.10
2'000CHF 486.90CHF 533.10− 46.20
2'500CHF 457.70CHF 504.10− 46.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelAssura-BasisMutuel
Family doctorCHF 509.90CHF 575.20
Free choice of doctorCHF 586.00CHF 632.10
Other model—CHF 553.10
HMO practice—CHF 556.20

How they moved in this region

Against 2025, Assura-Basis moves by + 2.1 % and Mutuel by + 3.7 % in this region.

Assura-Basis, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.