Mutuel PrimaFlex — Region 3, Bern
Region 3, Bern: the PrimaFlex model from Mutuel costs CHF 533.60 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 533.60, PrimaFlex 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, PrimaFlex costs CHF 852.00 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 533.60 | CHF 496.20 |
| 500 | CHF 522.60 | CHF 486.00 |
| 1'000 | CHF 495.10 | CHF 460.40 |
| 1'500 | CHF 467.10 | CHF 434.40 |
| 2'000 | CHF 439.50 | CHF 408.70 |
| 2'500 | CHF 412.00 | CHF 383.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 408.70 | CHF 380.10 |
| 500 | CHF 397.20 | CHF 369.40 |
| 1'000 | CHF 368.20 | CHF 342.40 |
| 1'500 | CHF 338.70 | CHF 315.00 |
| 2'000 | CHF 309.70 | CHF 288.00 |
| 2'500 | CHF 280.70 | CHF 261.00 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 125.70 | CHF 116.90 |
| 100 | CHF 119.90 | CHF 111.50 |
| 200 | CHF 114.10 | CHF 106.10 |
| 300 | CHF 108.20 | CHF 100.60 |
| 400 | CHF 102.40 | CHF 95.30 |
| 500 | CHF 96.60 | CHF 89.90 |
| 600 | CHF 90.70 | CHF 84.40 |
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
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
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.