Mutuel PrimaFlex — Neuchâtel
Neuchâtel: the PrimaFlex model from Mutuel costs CHF 644.10 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 644.10, PrimaFlex is not the lowest premium here: Visana goes down to CHF 554.20. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaFlex costs CHF 1'028.40 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 644.10 | CHF 599.00 |
| 500 | CHF 633.10 | CHF 588.80 |
| 1'000 | CHF 605.60 | CHF 563.20 |
| 1'500 | CHF 577.60 | CHF 537.20 |
| 2'000 | CHF 550.00 | CHF 511.50 |
| 2'500 | CHF 522.50 | CHF 485.90 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 479.50 | CHF 446.00 |
| 500 | CHF 468.00 | CHF 435.30 |
| 1'000 | CHF 439.00 | CHF 408.30 |
| 1'500 | CHF 409.50 | CHF 380.90 |
| 2'000 | CHF 380.50 | CHF 353.90 |
| 2'500 | CHF 351.50 | CHF 326.90 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 150.10 | CHF 139.60 |
| 100 | CHF 144.30 | CHF 134.20 |
| 200 | CHF 138.50 | CHF 128.80 |
| 300 | CHF 132.60 | CHF 123.30 |
| 400 | CHF 126.80 | CHF 117.90 |
| 500 | CHF 121.00 | CHF 112.50 |
| 600 | CHF 115.10 | CHF 107.00 |
The price, region by region
- Aargau
- Appenzell Innerrhoden
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- 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
- 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.