Mutuel or EGK in Region 2 of canton Bern?
In Region 2, EGK is CHF 496.80 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
EGK comes down to CHF 511.70 a month, Mutuel to CHF 553.10. The gap is CHF 496.80 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 EGK is worth CHF 217.20 more a year. Visana
Where they stand in the region
Mutuel ranks 23 and EGK ranks 6, 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 632.10 | CHF 620.60 | + 11.50 |
| 500 | CHF 620.60 | CHF 608.90 | + 11.70 |
| 1'000 | CHF 591.60 | CHF 579.80 | + 11.80 |
| 1'500 | CHF 562.10 | CHF 550.60 | + 11.50 |
| 2'000 | CHF 533.10 | CHF 521.40 | + 11.70 |
| 2'500 | CHF 504.10 | CHF 492.30 | + 11.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 553.10 | CHF 511.70 |
| HMO practice | CHF 556.20 | — |
| Family doctor | CHF 575.20 | CHF 558.60 |
| Free choice of doctor | CHF 632.10 | CHF 620.60 |
How they moved in this region
Against 2025, Mutuel moves by + 3.7 % and EGK by + 4.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.