CSS or Mutuel in Region 1 of canton Valais?

In Region 1, CSS is CHF 42.00 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 499.70 a month, Mutuel to CHF 503.20. The gap is CHF 42.00 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to CSS is worth CHF 222.00 more a year. Atupri

CSS ranks 10 and Mutuel ranks 12, out of 26 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 581.00	CHF 599.00	− 18.00
500	CHF 569.40	CHF 587.50	− 18.10
1'000	CHF 540.20	CHF 558.50	− 18.30
1'500	CHF 511.00	CHF 529.00	− 18.00
2'000	CHF 481.90	CHF 500.00	− 18.10
2'500	CHF 452.70	CHF 471.00	− 18.30

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

Against 2025, CSS moves by + 4.8 % and Mutuel by + 6.2 % in this region.

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