Mutuel SanaTel — Region 3, Bern
Region 3, Bern: the SanaTel model from Mutuel costs CHF 529.00 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 529.00, SanaTel 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, SanaTel costs CHF 907.20 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 529.00 | CHF 492.00 |
| 500 | CHF 517.50 | CHF 481.30 |
| 1'000 | CHF 488.50 | CHF 454.30 |
| 1'500 | CHF 459.00 | CHF 426.90 |
| 2'000 | CHF 430.00 | CHF 399.90 |
| 2'500 | CHF 401.00 | CHF 373.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 411.00 | CHF 382.20 |
| 500 | CHF 399.50 | CHF 371.50 |
| 1'000 | CHF 370.50 | CHF 344.60 |
| 1'500 | CHF 341.00 | CHF 317.10 |
| 2'000 | CHF 312.00 | CHF 290.20 |
| 2'500 | CHF 283.00 | CHF 263.20 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 126.40 | CHF 117.60 |
| 100 | CHF 120.60 | CHF 112.20 |
| 200 | CHF 114.80 | CHF 106.80 |
| 300 | CHF 108.90 | CHF 101.30 |
| 400 | CHF 103.10 | CHF 95.90 |
| 500 | CHF 97.30 | CHF 90.50 |
| 600 | CHF 91.40 | CHF 85.00 |
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.