Assura-Basis or Mutuel in Region 3 of canton Zurich?
In Region 3, Assura-Basis is CHF 463.20 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 454.00 a month, Mutuel to CHF 492.60. The gap is CHF 463.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Assura-Basis is worth CHF 314.40 more a year. Agrisano
Where they stand in the region
Assura-Basis ranks 7 and Mutuel ranks 20, out of 27 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.
| Deductible | Assura-Basis | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 515.90 | CHF 569.50 | − 53.60 |
| 500 | CHF 504.30 | CHF 558.00 | − 53.70 |
| 1'000 | CHF 475.10 | CHF 529.00 | − 53.90 |
| 1'500 | CHF 445.90 | CHF 499.50 | − 53.60 |
| 2'000 | CHF 416.80 | CHF 470.50 | − 53.70 |
| 2'500 | CHF 387.60 | CHF 441.50 | − 53.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Assura-Basis | Mutuel |
|---|---|---|
| Family doctor | CHF 454.00 | CHF 518.20 |
| Free choice of doctor | CHF 515.90 | CHF 569.50 |
| Other model | — | CHF 492.60 |
| HMO practice | — | CHF 501.10 |
How they moved in this region
Against 2025, Assura-Basis moves by + 2.4 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.