CSS or Mutuel in Region 1 of canton Grisons?
In Region 1, CSS is CHF 67.20 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
CSS comes down to CHF 473.90 a month, Mutuel to CHF 479.50. The gap is CHF 67.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 453.60 a month. Moving there rather than to CSS is worth CHF 243.60 more a year. Sanitas
Where they stand in the region
CSS ranks 5 and Mutuel ranks 9, out of 24 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 | CSS | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 551.00 | CHF 548.00 | + 3.00 |
| 500 | CHF 539.40 | CHF 536.50 | + 2.90 |
| 1'000 | CHF 510.20 | CHF 507.50 | + 2.70 |
| 1'500 | CHF 481.00 | CHF 478.00 | + 3.00 |
| 2'000 | CHF 451.90 | CHF 449.00 | + 2.90 |
| 2'500 | CHF 422.70 | CHF 420.00 | + 2.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 473.90 | CHF 498.70 |
| Other model | CHF 501.40 | CHF 479.50 |
| Free choice of doctor | CHF 551.00 | CHF 548.00 |
| HMO practice | — | CHF 482.30 |
How they moved in this region
Against 2025, CSS moves by + 6.9 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.