CSS or Mutuel in Region 1 of canton St. Gallen?
In Region 1, CSS is CHF 428.40 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 491.90 a month, Mutuel to CHF 527.60. The gap is CHF 428.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to CSS is worth CHF 147.00 more a year. Sanitas
Where they stand in the region
CSS ranks 11 and Mutuel ranks 19, out of 25 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 572.00 | CHF 602.90 | − 30.90 |
| 500 | CHF 560.40 | CHF 591.40 | − 31.00 |
| 1'000 | CHF 531.20 | CHF 562.40 | − 31.20 |
| 1'500 | CHF 502.00 | CHF 532.90 | − 30.90 |
| 2'000 | CHF 472.90 | CHF 503.90 | − 31.00 |
| 2'500 | CHF 443.70 | CHF 474.90 | − 31.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 491.90 | CHF 548.70 |
| Other model | CHF 517.70 | CHF 527.60 |
| Free choice of doctor | CHF 572.00 | CHF 602.90 |
| HMO practice | — | CHF 530.60 |
How they moved in this region
Against 2025, CSS moves by + 3.5 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.