CSS or Mutuel in Region 1 of canton Ticino?

In Region 1, CSS is CHF 748.80 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 621.20 a month, Mutuel to CHF 683.60. The gap is CHF 748.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to CSS is worth CHF 447.60 more a year. Agrisano

CSS ranks 7 and Mutuel ranks 17, out of 21 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 744.00	CHF 772.40	− 28.40
500	CHF 732.40	CHF 760.90	− 28.50
1'000	CHF 703.20	CHF 731.90	− 28.70
1'500	CHF 674.00	CHF 702.40	− 28.40
2'000	CHF 644.90	CHF 673.40	− 28.50
2'500	CHF 615.70	CHF 644.40	− 28.70

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

Against 2025, CSS moves by + 5.0 % and Mutuel by + 3.3 % in this region.

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