Atupri or Mutuel in Region 3 of canton Bern?
In Region 3, Atupri is CHF 219.60 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
Atupri comes down to CHF 510.70 a month, Mutuel to CHF 529.00. The gap is CHF 219.60 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 Atupri is worth CHF 758.40 more a year. Agrisano
Where they stand in the region
Atupri ranks 21 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.
| Deductible | Atupri | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 583.60 | CHF 604.60 | − 21.00 |
| 500 | CHF 572.00 | CHF 593.10 | − 21.10 |
| 1'000 | CHF 542.80 | CHF 564.10 | − 21.30 |
| 1'500 | CHF 513.60 | CHF 534.60 | − 21.00 |
| 2'000 | CHF 484.50 | CHF 505.60 | − 21.10 |
| 2'500 | CHF 455.30 | CHF 476.60 | − 21.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Atupri | Mutuel |
|---|---|---|
| Other model | CHF 510.70 | CHF 529.00 |
| HMO practice | CHF 513.60 | CHF 532.10 |
| Family doctor | CHF 525.20 | CHF 550.20 |
| Free choice of doctor | CHF 583.60 | CHF 604.60 |
How they moved in this region
Against 2025, Atupri moves by + 6.2 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.