Visana or Mutuel in Region 1 of canton Bern?
In Region 1, Visana is CHF 733.20 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
Visana comes down to CHF 540.10 a month, Mutuel to CHF 601.20. The gap is CHF 733.20 a year, 300-franc deductible, accident cover included.
What the question hides
Visana is also the cheapest insurer in the region, out of 26 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Visana ranks 1 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 | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 665.10 | CHF 687.00 | − 21.90 |
| 500 | CHF 658.40 | CHF 675.50 | − 17.10 |
| 1'000 | CHF 624.30 | CHF 646.50 | − 22.20 |
| 1'500 | CHF 595.10 | CHF 617.00 | − 21.90 |
| 2'000 | CHF 565.90 | CHF 588.00 | − 22.10 |
| 2'500 | CHF 536.80 | CHF 559.00 | − 22.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 540.10 | CHF 604.60 |
| Other model | CHF 556.10 | CHF 601.20 |
| Family doctor | CHF 597.30 | CHF 625.20 |
| Free choice of doctor | CHF 665.10 | CHF 687.00 |
How they moved in this region
Against 2025, Visana moves by + 3.9 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.