Mutuel OptiMed — Region 3, Bern
Region 3, Bern: the OptiMed model from Mutuel costs CHF 532.10 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 532.10, OptiMed is not the lowest premium here: Agrisano goes down to CHF 447.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, OptiMed costs CHF 870.00 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 532.10 | CHF 494.80 |
| 500 | CHF 520.60 | CHF 484.10 |
| 1'000 | CHF 491.60 | CHF 457.20 |
| 1'500 | CHF 462.10 | CHF 429.70 |
| 2'000 | CHF 433.10 | CHF 402.80 |
| 2'500 | CHF 404.10 | CHF 375.80 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 406.40 | CHF 377.90 |
| 500 | CHF 394.90 | CHF 367.20 |
| 1'000 | CHF 365.90 | CHF 340.30 |
| 1'500 | CHF 336.40 | CHF 312.80 |
| 2'000 | CHF 307.40 | CHF 285.90 |
| 2'500 | CHF 278.40 | CHF 258.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.00 | CHF 116.30 |
| 100 | CHF 119.20 | CHF 110.90 |
| 200 | CHF 113.40 | CHF 105.50 |
| 300 | CHF 107.50 | CHF 100.00 |
| 400 | CHF 101.70 | CHF 94.60 |
| 500 | CHF 95.90 | CHF 89.20 |
| 600 | CHF 90.00 | CHF 83.70 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- 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.