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Assura-Basis or Mutuel in Region 3 of canton St. Gallen?

In Region 3, Assura-Basis is CHF 350.40 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 435.10 a month, Mutuel to CHF 464.30. The gap is CHF 350.40 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Assura-Basis is worth CHF 402.00 more a year. Agrisano

Where they stand in the region

Assura-Basis ranks 5 and Mutuel ranks 18, 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 524.20CHF 530.60− 6.40
500CHF 512.60CHF 519.10− 6.50
1'000CHF 483.40CHF 490.10− 6.70
1'500CHF 454.20CHF 460.60− 6.40
2'000CHF 425.10CHF 431.60− 6.50
2'500CHF 395.90CHF 402.60− 6.70

Model by model

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

ModelAssura-BasisMutuel
Family doctorCHF 435.10CHF 482.90
Free choice of doctorCHF 524.20CHF 530.60
Other model—CHF 464.30
HMO practice—CHF 466.90

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.