CSS or Mutuel in Region 2 of canton Ticino?

In Region 2, CSS is CHF 475.20 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 609.80 a month, Mutuel to CHF 649.40. The gap is CHF 475.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to CSS is worth CHF 849.60 more a year. Agrisano

CSS ranks 13 and Mutuel ranks 18, 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 705.00	CHF 733.80	− 28.80
500	CHF 693.40	CHF 722.30	− 28.90
1'000	CHF 664.20	CHF 693.30	− 29.10
1'500	CHF 635.00	CHF 663.80	− 28.80
2'000	CHF 605.90	CHF 634.80	− 28.90
2'500	CHF 576.70	CHF 605.80	− 29.10

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

Against 2025, CSS moves by + 7.7 % and Mutuel by + 3.3 % in this region.

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