Sanitas or Mutuel in Region 1 of canton Bern?
In Region 1, Sanitas is CHF 586.80 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
Sanitas comes down to CHF 552.30 a month, Mutuel to CHF 601.20. The gap is CHF 586.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Visana, at CHF 540.10 a month. Moving there rather than to Sanitas is worth CHF 146.40 more a year. Visana
Where they stand in the region
Sanitas ranks 5 and Mutuel ranks 16, 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 | Sanitas | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 634.80 | CHF 687.00 | − 52.20 |
| 500 | CHF 623.20 | CHF 675.50 | − 52.30 |
| 1'000 | CHF 594.00 | CHF 646.50 | − 52.50 |
| 1'500 | CHF 564.80 | CHF 617.00 | − 52.20 |
| 2'000 | CHF 535.70 | CHF 588.00 | − 52.30 |
| 2'500 | CHF 506.50 | CHF 559.00 | − 52.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 552.30 | CHF 625.20 |
| Other model | CHF 571.40 | CHF 601.20 |
| HMO practice | CHF 577.70 | CHF 604.60 |
| Free choice of doctor | CHF 634.80 | CHF 687.00 |
How they moved in this region
Against 2025, Sanitas moves by + 3.5 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.