Mutuel — Region 1 of canton Bern, 2026 premiums
Mutuel covers the 15 municipalities of Region 1 in canton Bern. Its lowest adult premium here is CHF 440.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 16 out of 26 active insurers in Region 1, cheapest to dearest.
The regional average across insurers is CHF 593.80 a month.
What staying costs
Moving from Mutuel to Visana, the cheapest insurer in this region, saves CHF 733.20 a year for an adult on the same profile.
The full Mutuel table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 687.00 | CHF 625.20 | CHF 604.60 | CHF 601.20 |
| 500 | CHF 675.50 | CHF 613.70 | CHF 593.10 | CHF 589.70 |
| 1'000 | CHF 646.50 | CHF 584.70 | CHF 564.10 | CHF 560.70 |
| 1'500 | CHF 617.00 | CHF 555.20 | CHF 534.60 | CHF 531.20 |
| 2'000 | CHF 588.00 | CHF 526.20 | CHF 505.60 | CHF 502.20 |
| 2'500 | CHF 559.00 | CHF 497.20 | CHF 476.60 | CHF 473.20 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 524.70 | CHF 477.50 | CHF 461.80 | CHF 464.40 |
| 500 | CHF 513.20 | CHF 466.00 | CHF 450.30 | CHF 452.90 |
| 1'000 | CHF 484.20 | CHF 437.00 | CHF 421.30 | CHF 423.90 |
| 1'500 | CHF 454.70 | CHF 407.50 | CHF 391.80 | CHF 394.40 |
| 2'000 | CHF 425.70 | CHF 378.50 | CHF 362.80 | CHF 365.40 |
| 2'500 | CHF 396.70 | CHF 349.50 | CHF 333.80 | CHF 336.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 118.40 | CHF 107.70 | CHF 106.60 | CHF 107.20 |
| 100 | CHF 114.00 | CHF 103.40 | CHF 102.20 | CHF 102.80 |
| 200 | CHF 109.70 | CHF 99.00 | CHF 97.90 | CHF 98.50 |
| 300 | CHF 105.30 | CHF 94.60 | CHF 93.40 | CHF 94.00 |
| 400 | CHF 100.90 | CHF 90.30 | CHF 89.10 | CHF 89.70 |
| 500 | CHF 96.60 | CHF 85.90 | CHF 84.70 | CHF 85.30 |
| 600 | CHF 92.10 | CHF 81.50 | CHF 80.30 | CHF 80.90 |
With or without accident cover
With accident cover: CHF 687.00 a month. Without: CHF 639.00. Dropping it saves CHF 576.00 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 579.60 in 2025 to CHF 440.10 — a rise of 3.7 %.
The 15 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 1 of canton Bern, not to the municipality.
Bern · Biel/Bienne · Bolligen · Bremgarten bei Bern · Evilard · Ittigen · Kirchlindach · Köniz · Muri bei Bern · Oberbalm · Ostermundigen · Stettlen · Vechigen · Wohlen bei Bern · Zollikofen
The other insurers in Region 1
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Visana | CHF 540.10 | View |
| Vivao Sympany | CHF 545.90 | View |
| Atupri | CHF 548.90 | View |
| Helsana | CHF 548.90 | View |
| Sanitas | CHF 552.30 | View |
| sana24 | CHF 571.80 | View |
| CSS | CHF 577.10 | View |
| KPT | CHF 578.10 | View |
| Steffisburg | CHF 581.10 | View |
| SWICA | CHF 582.70 | View |
| ÖKK | CHF 585.20 | View |
| Sumiswalder | CHF 586.50 | View |
| Assura-Basis | CHF 589.50 | View |
| CONCORDIA | CHF 590.80 | View |
| sodalis | CHF 598.20 | View |
| EGK | CHF 603.40 | View |
| Avenir | CHF 606.70 | View |
| SLKK | CHF 607.70 | View |
| Philos | CHF 609.30 | View |
| Agrisano | CHF 611.30 | View |
| Aquilana | CHF 612.70 | View |
| Galenos | CHF 630.20 | View |
| Luzerner Hinterland | CHF 634.95 | View |
| vita surselva | CHF 646.00 | View |
| rhenusana | CHF 698.20 | View |
Source: Federal Office of Public Health (FOPH), official premiums.