Mutuel OptiMed — Region 1, Bern
Region 1, Bern: the OptiMed model from Mutuel costs CHF 604.60 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 604.60, OptiMed is not the lowest premium here: Visana goes down to CHF 540.10. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 988.80 less per year than Mutuel's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 604.60 | CHF 562.30 |
| 500 | CHF 593.10 | CHF 551.60 |
| 1'000 | CHF 564.10 | CHF 524.60 |
| 1'500 | CHF 534.60 | CHF 497.20 |
| 2'000 | CHF 505.60 | CHF 470.20 |
| 2'500 | CHF 476.60 | CHF 443.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 461.80 | CHF 429.50 |
| 500 | CHF 450.30 | CHF 418.80 |
| 1'000 | CHF 421.30 | CHF 391.80 |
| 1'500 | CHF 391.80 | CHF 364.40 |
| 2'000 | CHF 362.80 | CHF 337.40 |
| 2'500 | CHF 333.80 | CHF 310.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 142.10 | CHF 132.10 |
| 100 | CHF 136.30 | CHF 126.70 |
| 200 | CHF 130.50 | CHF 121.30 |
| 300 | CHF 124.60 | CHF 115.90 |
| 400 | CHF 118.80 | CHF 110.50 |
| 500 | CHF 113.00 | CHF 105.10 |
| 600 | CHF 107.10 | CHF 99.60 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Uri
- Vaud — Region 1
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.