Skip to content
Sophie

Assura-Basis or Mutuel in Region 1 of canton St. Gallen?

In Region 1, Assura-Basis is CHF 424.80 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.

The verdict, in this region

Assura-Basis comes down to CHF 492.20 a month, Mutuel to CHF 527.60. The gap is CHF 424.80 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to Assura-Basis is worth CHF 150.60 more a year. Sanitas

Where they stand in the region

Assura-Basis ranks 12 and Mutuel ranks 19, out of 25 active insurers in this region.

Deductible by deductible

With free choice of doctor, the one model every insurer offers — and therefore the only one where a row-by-row comparison compares the same thing.

DeductibleAssura-BasisMutuelGap
300CHF 595.10CHF 602.90− 7.80
500CHF 583.50CHF 591.40− 7.90
1'000CHF 554.30CHF 562.40− 8.10
1'500CHF 525.10CHF 532.90− 7.80
2'000CHF 496.00CHF 503.90− 7.90
2'500CHF 466.80CHF 474.90− 8.10

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelAssura-BasisMutuel
Family doctorCHF 492.20CHF 548.70
Free choice of doctorCHF 595.10CHF 602.90
Other model—CHF 527.60
HMO practice—CHF 530.60

How they moved in this region

Against 2025, Assura-Basis moves by + 2.4 % and Mutuel by + 4.6 % in this region.

Assura-Basis, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.