CSS or Mutuel in Region 1 of canton Basel-Landschaft?

In Region 1, CSS is CHF 159.60 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

CSS comes down to CHF 559.10 a month, Mutuel to CHF 572.40. The gap is CHF 159.60 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Sanitas, at CHF 558.30 a month. Moving there rather than to CSS is worth CHF 9.60 more a year. Sanitas

CSS ranks 3 and Mutuel ranks 9, out of 23 active insurers in this region.

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	CSS	Mutuel	Gap
300	CHF 664.00	CHF 669.40	− 5.40
500	CHF 652.40	CHF 657.90	− 5.50
1'000	CHF 623.20	CHF 628.90	− 5.70
1'500	CHF 594.00	CHF 599.40	− 5.40
2'000	CHF 564.90	CHF 570.40	− 5.50
2'500	CHF 535.70	CHF 541.40	− 5.70

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

Against 2025, CSS moves by + 2.2 % and Mutuel by + 4.9 % in this region.

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