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Assura-Basis or Mutuel in Region 3 of canton Bern?

In Region 3, Assura-Basis is CHF 320.40 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 502.30 a month, Mutuel to CHF 529.00. The gap is CHF 320.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Assura-Basis is worth CHF 657.60 more a year. Agrisano

Where they stand in the region

Assura-Basis ranks 17 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 577.30CHF 604.60− 27.30
500CHF 565.70CHF 593.10− 27.40
1'000CHF 536.50CHF 564.10− 27.60
1'500CHF 507.30CHF 534.60− 27.30
2'000CHF 478.20CHF 505.60− 27.40
2'500CHF 449.00CHF 476.60− 27.60

Model by model

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

ModelAssura-BasisMutuel
Family doctorCHF 502.30CHF 550.20
Free choice of doctorCHF 577.30CHF 604.60
Other model—CHF 529.00
HMO practice—CHF 532.10

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.