Mutuel or EGK in Region 1 of canton Bern?

In Region 1, Mutuel is CHF 26.40 a year cheaper than EGK for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Mutuel comes down to CHF 601.20 a month, EGK to CHF 603.40. The gap is CHF 26.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to Mutuel is worth CHF 733.20 more a year. Visana

Mutuel ranks 16 and EGK ranks 17, 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	Mutuel	EGK	Gap
300	CHF 687.00	CHF 689.50	− 2.50
500	CHF 675.50	CHF 677.90	− 2.40
1'000	CHF 646.50	CHF 648.70	− 2.20
1'500	CHF 617.00	CHF 619.50	− 2.50
2'000	CHF 588.00	CHF 590.40	− 2.40
2'500	CHF 559.00	CHF 561.20	− 2.20

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

Against 2025, Mutuel moves by + 3.7 % and EGK by + 4.1 % in this region.

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