CSS or Mutuel?
Basic benefits are identical at CSS and Mutuel — 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 40 of 42 premium regions.
On average, CSS costs CHF 375 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 500.20 | CHF -13.20 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 422.20 | CHF -52.40 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 558.50 | CHF -83.30 |
| Bern | 1 | CHF 577.10 | CHF 601.20 | CHF -24.10 |
| Bern | 2 | CHF 513.80 | CHF 553.10 | CHF -39.30 |
| Bern | 3 | CHF 497.00 | CHF 529.00 | CHF -32.00 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 572.40 | CHF -13.30 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 538.00 | CHF -15.10 |
| Basel-Stadt | single | CHF 575.90 | CHF 593.60 | CHF -17.70 |
| Fribourg | 1 | CHF 522.00 | CHF 542.10 | CHF -20.10 |
| Fribourg | 2 | CHF 479.40 | CHF 512.30 | CHF -32.90 |
| Geneva | single | CHF 609.30 | CHF 624.40 | CHF -15.10 |
| Glarus | single | CHF 501.10 | CHF 476.50 | +CHF 24.60 |
| Grisons | 1 | CHF 473.90 | CHF 479.50 | CHF -5.60 |
| Grisons | 2 | CHF 449.70 | CHF 467.60 | CHF -17.90 |
| Grisons | 3 | CHF 427.60 | CHF 455.60 | CHF -28.00 |
| Jura | single | CHF 566.20 | CHF 591.80 | CHF -25.60 |
| Lucerne | 1 | CHF 473.80 | CHF 560.60 | CHF -86.80 |
| Lucerne | 2 | CHF 441.70 | CHF 526.90 | CHF -85.20 |
| Lucerne | 3 | CHF 438.60 | CHF 521.30 | CHF -82.70 |
| Neuchâtel | single | CHF 594.20 | CHF 624.00 | CHF -29.80 |
| Nidwalden | single | CHF 443.60 | CHF 511.40 | CHF -67.80 |
| Obwalden | single | CHF 434.00 | CHF 442.10 | CHF -8.10 |
| St. Gallen | 1 | CHF 491.90 | CHF 527.60 | CHF -35.70 |
| St. Gallen | 2 | CHF 444.40 | CHF 490.70 | CHF -46.30 |
| St. Gallen | 3 | CHF 446.30 | CHF 464.30 | CHF -18.00 |
| Schaffhausen | 1 | CHF 535.10 | CHF 555.20 | CHF -20.10 |
| Schaffhausen | 2 | CHF 514.50 | CHF 527.50 | CHF -13.00 |
| Solothurn | single | CHF 516.30 | CHF 509.40 | +CHF 6.90 |
| Schwyz | single | CHF 445.50 | CHF 453.00 | CHF -7.50 |
| Thurgau | single | CHF 459.90 | CHF 488.50 | CHF -28.60 |
| Ticino | 1 | CHF 621.20 | CHF 683.60 | CHF -62.40 |
| Ticino | 2 | CHF 609.80 | CHF 649.40 | CHF -39.60 |
| Uri | single | CHF 400.80 | CHF 482.30 | CHF -81.50 |
| Vaud | 1 | CHF 575.90 | CHF 617.50 | CHF -41.60 |
| Vaud | 2 | CHF 554.40 | CHF 580.50 | CHF -26.10 |
| Valais | 1 | CHF 499.70 | CHF 503.20 | CHF -3.50 |
| Valais | 2 | CHF 447.20 | CHF 478.10 | CHF -30.90 |
| Zug | single | CHF 361.70 | CHF 364.00 | CHF -2.30 |
| Zurich | 1 | CHF 530.60 | CHF 553.50 | CHF -22.90 |
| Zurich | 2 | CHF 484.60 | CHF 531.30 | CHF -46.70 |
| Zurich | 3 | CHF 472.40 | CHF 492.60 | CHF -20.20 |
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.