Helsana or Mutuel in Region 3 of canton Bern?
In Region 3, Helsana is CHF 544.80 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 483.60 a month, Mutuel to CHF 529.00. The gap is CHF 544.80 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 Helsana is worth CHF 433.20 more a year. Agrisano
Where they stand in the region
Helsana ranks 5 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 569.00 | CHF 604.60 | − 35.60 |
| 500 | CHF 557.40 | CHF 593.10 | − 35.70 |
| 1'000 | CHF 528.20 | CHF 564.10 | − 35.90 |
| 1'500 | CHF 499.00 | CHF 534.60 | − 35.60 |
| 2'000 | CHF 469.90 | CHF 505.60 | − 35.70 |
| 2'500 | CHF 440.70 | CHF 476.60 | − 35.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 483.60 | CHF 529.00 |
| Family doctor | CHF 489.30 | CHF 550.20 |
| Free choice of doctor | CHF 569.00 | CHF 604.60 |
| HMO practice | — | CHF 532.10 |
How they moved in this region
Against 2025, Helsana moves by + 5.1 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.