Sanitas or Mutuel in Region 3 of canton Bern?
In Region 3, Sanitas is CHF 402.60 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 495.45 a month, Mutuel to CHF 529.00. The gap is CHF 402.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 447.50 a month. Moving there rather than to Sanitas is worth CHF 575.40 more a year. Agrisano
Where they stand in the region
Sanitas ranks 11 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.
| Deductible | Sanitas | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 569.50 | CHF 604.60 | − 35.10 |
| 500 | CHF 557.90 | CHF 593.10 | − 35.20 |
| 1'000 | CHF 528.70 | CHF 564.10 | − 35.40 |
| 1'500 | CHF 499.50 | CHF 534.60 | − 35.10 |
| 2'000 | CHF 470.40 | CHF 505.60 | − 35.20 |
| 2'500 | CHF 441.20 | CHF 476.60 | − 35.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 495.45 | CHF 550.20 |
| Other model | CHF 512.60 | CHF 529.00 |
| HMO practice | CHF 518.30 | CHF 532.10 |
| Free choice of doctor | CHF 569.50 | CHF 604.60 |
How they moved in this region
Against 2025, Sanitas moves by + 2.0 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.