Visana or Mutuel in Region 2 of canton Bern?

In Region 2, Visana is CHF 714.00 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 493.60 a month, Mutuel to CHF 553.10. The gap is CHF 714.00 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 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	Visana	Mutuel	Gap
300	CHF 587.50	CHF 632.10	− 44.60
500	CHF 580.80	CHF 620.60	− 39.80
1'000	CHF 546.70	CHF 591.60	− 44.90
1'500	CHF 517.50	CHF 562.10	− 44.60
2'000	CHF 488.30	CHF 533.10	− 44.80
2'500	CHF 459.20	CHF 504.10	− 44.90

Model by model

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

Model	Visana	Mutuel
HMO practice	CHF 493.60	CHF 556.20
Other model	CHF 505.30	CHF 553.10
Family doctor	CHF 527.60	CHF 575.20
Free choice of doctor	CHF 587.50	CHF 632.10

How they moved in this region

Against 2025, Visana moves by + 6.7 % and Mutuel by + 3.7 % in this region.

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