CSS or Mutuel in Region 3 of canton Bern?

In Region 3, CSS is CHF 384.00 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 497.00 a month, Mutuel to CHF 529.00. The gap is CHF 384.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to CSS is worth CHF 594.00 more a year. Agrisano

CSS ranks 14 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 570.00	CHF 604.60	− 34.60
500	CHF 558.40	CHF 593.10	− 34.70
1'000	CHF 529.20	CHF 564.10	− 34.90
1'500	CHF 500.00	CHF 534.60	− 34.60
2'000	CHF 470.90	CHF 505.60	− 34.70
2'500	CHF 441.70	CHF 476.60	− 34.90

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

Against 2025, CSS moves by + 7.8 % and Mutuel by + 3.7 % in this region.

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