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Sanitas or Mutuel in Region 2 of canton Bern?

In Region 2, Sanitas is CHF 93.60 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 545.30 a month, Mutuel to CHF 553.10. The gap is CHF 93.60 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 Sanitas is worth CHF 620.40 more a year. Visana

Where they stand in the region

Sanitas ranks 20 and Mutuel ranks 23, 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.

DeductibleSanitasMutuelGap
300CHF 626.80CHF 632.10− 5.30
500CHF 615.20CHF 620.60− 5.40
1'000CHF 586.00CHF 591.60− 5.60
1'500CHF 556.80CHF 562.10− 5.30
2'000CHF 527.70CHF 533.10− 5.40
2'500CHF 498.50CHF 504.10− 5.60

Model by model

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

ModelSanitasMutuel
Family doctorCHF 545.30CHF 575.20
Other modelCHF 551.60CHF 553.10
HMO practiceCHF 570.40CHF 556.20
Free choice of doctorCHF 626.80CHF 632.10

How they moved in this region

Against 2025, Sanitas moves by + 3.0 % and Mutuel by + 3.7 % in this region.

Sanitas, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

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