Helsana or Mutuel in Region 2 of canton Bern?

In Region 2, Helsana is CHF 537.60 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

Helsana comes down to CHF 508.30 a month, Mutuel to CHF 553.10. The gap is CHF 537.60 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 Helsana is worth CHF 176.40 more a year. Visana

Where they stand in the region

Helsana ranks 4 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	Helsana	Mutuel	Gap
300	CHF 598.00	CHF 632.10	− 34.10
500	CHF 586.40	CHF 620.60	− 34.20
1'000	CHF 557.20	CHF 591.60	− 34.40
1'500	CHF 528.00	CHF 562.10	− 34.10
2'000	CHF 498.90	CHF 533.10	− 34.20
2'500	CHF 469.70	CHF 504.10	− 34.40

Model by model

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

Model	Helsana	Mutuel
Family doctor	CHF 508.30	CHF 575.20
Other model	CHF 520.20	CHF 553.10
Free choice of doctor	CHF 598.00	CHF 632.10
HMO practice	—	CHF 556.20

How they moved in this region

Against 2025, Helsana moves by + 3.5 % and Mutuel by + 3.7 % in this region.

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