CSS or Mutuel in Region 2 of canton Bern?

In Region 2, CSS is CHF 471.60 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

CSS comes down to CHF 513.80 a month, Mutuel to CHF 553.10. The gap is CHF 471.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Visana, at CHF 493.60 a month. Moving there rather than to CSS is worth CHF 242.40 more a year. Visana

CSS ranks 8 and Mutuel ranks 23, out of 26 active insurers in this region.

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	CSS	Mutuel	Gap
300	CHF 608.00	CHF 632.10	− 24.10
500	CHF 596.40	CHF 620.60	− 24.20
1'000	CHF 567.20	CHF 591.60	− 24.40
1'500	CHF 538.00	CHF 562.10	− 24.10
2'000	CHF 508.90	CHF 533.10	− 24.20
2'500	CHF 479.70	CHF 504.10	− 24.40

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

Against 2025, CSS moves by + 4.7 % and Mutuel by + 3.7 % in this region.

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