Mutuel — Region 3 of canton Bern, 2026 premiums
Mutuel covers the 107 municipalities of Region 3 in canton Bern. Its lowest adult premium here is CHF 373.00 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 23 out of 26 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 501.58 a month.
What staying costs
Moving from Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 978.00 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 604.60 | CHF 550.20 | CHF 532.10 | CHF 529.00 |
| 500 | CHF 593.10 | CHF 538.70 | CHF 520.60 | CHF 517.50 |
| 1'000 | CHF 564.10 | CHF 509.70 | CHF 491.60 | CHF 488.50 |
| 1'500 | CHF 534.60 | CHF 480.20 | CHF 462.10 | CHF 459.00 |
| 2'000 | CHF 505.60 | CHF 451.20 | CHF 433.10 | CHF 430.00 |
| 2'500 | CHF 476.60 | CHF 422.20 | CHF 404.10 | CHF 401.00 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 461.80 | CHF 420.20 | CHF 406.40 | CHF 408.70 |
| 500 | CHF 450.30 | CHF 408.70 | CHF 394.90 | CHF 397.20 |
| 1'000 | CHF 421.30 | CHF 379.70 | CHF 365.90 | CHF 368.20 |
| 1'500 | CHF 391.80 | CHF 350.20 | CHF 336.40 | CHF 338.70 |
| 2'000 | CHF 362.80 | CHF 321.20 | CHF 307.40 | CHF 309.70 |
| 2'500 | CHF 333.80 | CHF 292.20 | CHF 278.40 | CHF 280.70 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 104.20 | CHF 94.80 | CHF 93.80 | CHF 94.30 |
| 100 | CHF 99.80 | CHF 90.50 | CHF 89.40 | CHF 90.00 |
| 200 | CHF 95.50 | CHF 86.10 | CHF 85.10 | CHF 85.60 |
| 300 | CHF 91.10 | CHF 81.70 | CHF 80.70 | CHF 81.20 |
| 400 | CHF 86.70 | CHF 77.30 | CHF 76.30 | CHF 76.80 |
| 500 | CHF 82.40 | CHF 73.00 | CHF 72.00 | CHF 72.50 |
| 600 | CHF 77.90 | CHF 68.60 | CHF 67.50 | CHF 68.10 |
With or without accident cover
With accident cover: CHF 604.60 a month. Without: CHF 562.30. Dropping it saves CHF 507.60 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 510.10 in 2025 to CHF 373.00 — a rise of 3.7 %.
The 107 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Bern, not to the municipality.
Aarwangen · Adelboden · Aeschi bei Spiez · Affoltern im Emmental · Attiswil · Auswil · Bannwil · Beatenberg · Berken · Bettenhausen · Bleienbach · Boltigen · Brienz (BE) · Brienzwiler · Busswil bei Melchnau · Bönigen · Diemtigen · Därligen · Därstetten · Dürrenroth · Eggiwil · Eriswil · Erlenbach im Simmental · Farnern · Frutigen · Gondiswil · Graben · Grindelwald · Gsteig · Gsteigwiler · Guttannen · Gündlischwand · Habkern · Hasliberg · Heimenhausen · Herzogenbuchsee · Hofstetten bei Brienz · Huttwil · Inkwil · Innertkirchen · Interlaken · Iseltwald · Kandergrund · Kandersteg · Krattigen · Langenthal · Langnau im Emmental · Lauenen · Lauperswil · Lauterbrunnen · Leissigen · Lenk · Lotzwil · Lütschental · Lützelflüh · Madiswil · Matten bei Interlaken · Meiringen · Melchnau · Niederbipp · Niederried bei Interlaken · Niederönz · Oberbipp · Oberried am Brienzersee · Oberwil im Simmental · Ochlenberg · Oeschenbach · Reichenbach im Kandertal · Reisiswil · Ringgenberg (BE) · Roggwil (BE) · Rohrbach · Rohrbachgraben · Rumisberg · Röthenbach im Emmental · Rüderswil · Rüegsau · Rütschelen · Saanen · Saxeten · Schangnau · Schattenhalb · Schwanden bei Brienz · Schwarzhäusern · Seeberg · Signau · Spiez · St. Stephan · Stocken-Höfen · Sumiswald · Thunstetten · Thörigen · Trachselwald · Trub · Trubschachen · Unterseen · Ursenbach · Walliswil bei Niederbipp · Walliswil bei Wangen · Walterswil (BE) · Wangen an der Aare · Wiedlisbach · Wilderswil · Wimmis · Wynau · Wyssachen · Zweisimmen
The other insurers in Region 3
26 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 447.50 | View |
| Visana | CHF 465.50 | View |
| ÖKK | CHF 477.00 | View |
| Sumiswalder | CHF 481.30 | View |
| Helsana | CHF 483.60 | View |
| SWICA | CHF 485.90 | View |
| sana24 | CHF 487.80 | View |
| KPT | CHF 488.10 | View |
| Aquilana | CHF 491.00 | View |
| EGK | CHF 491.10 | View |
| Sanitas | CHF 495.45 | View |
| CONCORDIA | CHF 495.60 | View |
| Luzerner Hinterland | CHF 496.85 | View |
| CSS | CHF 497.00 | View |
| sodalis | CHF 498.00 | View |
| SLKK | CHF 498.30 | View |
| Assura-Basis | CHF 502.30 | View |
| Steffisburg | CHF 506.60 | View |
| Galenos | CHF 507.20 | View |
| Avenir | CHF 509.60 | View |
| Atupri | CHF 510.70 | View |
| Vivao Sympany | CHF 513.10 | View |
| Philos | CHF 536.20 | View |
| vita surselva | CHF 563.35 | View |
| rhenusana | CHF 583.10 | View |
Source: Federal Office of Public Health (FOPH), official premiums.