CSS or EGK?
Basic benefits are identical at CSS and EGK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CSS is cheaper in 29 of 42 premium regions.
On average, CSS costs CHF 221 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | EGK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 481.70 | +CHF 5.30 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 426.30 | CHF -56.50 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 447.90 | +CHF 27.30 |
| Bern | 1 | CHF 577.10 | CHF 603.40 | CHF -26.30 |
| Bern | 2 | CHF 513.80 | CHF 511.70 | +CHF 2.10 |
| Bern | 3 | CHF 497.00 | CHF 491.10 | +CHF 5.90 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 638.60 | CHF -79.50 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 548.10 | CHF -25.20 |
| Basel-Stadt | single | CHF 575.90 | CHF 649.00 | CHF -73.10 |
| Fribourg | 1 | CHF 522.00 | CHF 540.30 | CHF -18.30 |
| Fribourg | 2 | CHF 479.40 | CHF 478.10 | +CHF 1.30 |
| Geneva | single | CHF 609.30 | CHF 641.10 | CHF -31.80 |
| Glarus | single | CHF 501.10 | CHF 482.30 | +CHF 18.80 |
| Grisons | 1 | CHF 473.90 | CHF 548.10 | CHF -74.20 |
| Grisons | 2 | CHF 449.70 | CHF 514.80 | CHF -65.10 |
| Grisons | 3 | CHF 427.60 | CHF 467.90 | CHF -40.30 |
| Jura | single | CHF 566.20 | CHF 655.90 | CHF -89.70 |
| Lucerne | 1 | CHF 473.80 | CHF 491.60 | CHF -17.80 |
| Lucerne | 2 | CHF 441.70 | CHF 451.20 | CHF -9.50 |
| Lucerne | 3 | CHF 438.60 | CHF 445.80 | CHF -7.20 |
| Neuchâtel | single | CHF 594.20 | CHF 623.00 | CHF -28.80 |
| Nidwalden | single | CHF 443.60 | CHF 419.60 | +CHF 24.00 |
| Obwalden | single | CHF 434.00 | CHF 425.50 | +CHF 8.50 |
| St. Gallen | 1 | CHF 491.90 | CHF 508.20 | CHF -16.30 |
| St. Gallen | 2 | CHF 444.40 | CHF 457.80 | CHF -13.40 |
| St. Gallen | 3 | CHF 446.30 | CHF 454.50 | CHF -8.20 |
| Schaffhausen | 1 | CHF 535.10 | CHF 517.00 | +CHF 18.10 |
| Schaffhausen | 2 | CHF 514.50 | CHF 486.80 | +CHF 27.70 |
| Solothurn | single | CHF 516.30 | CHF 516.60 | CHF -0.30 |
| Schwyz | single | CHF 445.50 | CHF 448.60 | CHF -3.10 |
| Thurgau | single | CHF 459.90 | CHF 468.00 | CHF -8.10 |
| Ticino | 1 | CHF 621.20 | CHF 632.90 | CHF -11.70 |
| Ticino | 2 | CHF 609.80 | CHF 584.90 | +CHF 24.90 |
| Uri | single | CHF 400.80 | CHF 425.20 | CHF -24.40 |
| Vaud | 1 | CHF 575.90 | CHF 626.40 | CHF -50.50 |
| Vaud | 2 | CHF 554.40 | CHF 554.30 | +CHF 0.10 |
| Valais | 1 | CHF 499.70 | CHF 530.40 | CHF -30.70 |
| Valais | 2 | CHF 447.20 | CHF 472.60 | CHF -25.40 |
| Zug | single | CHF 361.70 | CHF 395.80 | CHF -34.10 |
| Zurich | 1 | CHF 530.60 | CHF 571.30 | CHF -40.70 |
| Zurich | 2 | CHF 484.60 | CHF 517.10 | CHF -32.50 |
| Zurich | 3 | CHF 472.40 | CHF 466.50 | +CHF 5.90 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.