CSS or Mutuel in Region 3 of canton St. Gallen?

In Region 3, CSS is CHF 216.00 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 446.30 a month, Mutuel to CHF 464.30. The gap is CHF 216.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to CSS is worth CHF 536.40 more a year. Agrisano

CSS ranks 11 and Mutuel ranks 18, out of 25 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 516.00	CHF 530.60	− 14.60
500	CHF 504.40	CHF 519.10	− 14.70
1'000	CHF 475.20	CHF 490.10	− 14.90
1'500	CHF 446.00	CHF 460.60	− 14.60
2'000	CHF 416.90	CHF 431.60	− 14.70
2'500	CHF 387.70	CHF 402.60	− 14.90

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

Against 2025, CSS moves by + 4.6 % and Mutuel by + 4.6 % in this region.

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