Mutuel OptiMed — Region 2, Bern
Region 2, Bern: the OptiMed model from Mutuel costs CHF 556.20 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 556.20, OptiMed is not the lowest premium here: Visana goes down to CHF 493.60. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 910.80 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 556.20 | CHF 517.30 |
| 500 | CHF 544.70 | CHF 506.60 |
| 1'000 | CHF 515.70 | CHF 479.60 |
| 1'500 | CHF 486.20 | CHF 452.20 |
| 2'000 | CHF 457.20 | CHF 425.20 |
| 2'500 | CHF 428.20 | CHF 398.30 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 424.80 | CHF 395.10 |
| 500 | CHF 413.30 | CHF 384.40 |
| 1'000 | CHF 384.30 | CHF 357.40 |
| 1'500 | CHF 354.80 | CHF 330.00 |
| 2'000 | CHF 325.80 | CHF 303.00 |
| 2'500 | CHF 296.80 | CHF 276.10 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 130.70 | CHF 121.60 |
| 100 | CHF 124.90 | CHF 116.20 |
| 200 | CHF 119.10 | CHF 110.80 |
| 300 | CHF 113.20 | CHF 105.30 |
| 400 | CHF 107.40 | CHF 99.90 |
| 500 | CHF 101.60 | CHF 94.50 |
| 600 | CHF 95.70 | CHF 89.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- 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.