Mutuel SanaTel — Region 1, Bern
Region 1, Bern: the SanaTel model from Mutuel costs CHF 601.20 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 601.20, SanaTel 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, SanaTel costs CHF 1'029.60 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 601.20 | CHF 559.10 |
| 500 | CHF 589.70 | CHF 548.40 |
| 1'000 | CHF 560.70 | CHF 521.40 |
| 1'500 | CHF 531.20 | CHF 494.00 |
| 2'000 | CHF 502.20 | CHF 467.00 |
| 2'500 | CHF 473.20 | CHF 440.10 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 467.00 | CHF 434.30 |
| 500 | CHF 455.50 | CHF 423.60 |
| 1'000 | CHF 426.50 | CHF 396.70 |
| 1'500 | CHF 397.00 | CHF 369.20 |
| 2'000 | CHF 368.00 | CHF 342.30 |
| 2'500 | CHF 339.00 | CHF 315.30 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 143.60 | CHF 133.60 |
| 100 | CHF 137.80 | CHF 128.20 |
| 200 | CHF 132.00 | CHF 122.80 |
| 300 | CHF 126.10 | CHF 117.30 |
| 400 | CHF 120.30 | CHF 111.90 |
| 500 | CHF 114.50 | CHF 106.50 |
| 600 | CHF 108.60 | CHF 101.00 |
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
- 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.