CSS or Mutuel in Region 2 of canton Valais?

In Region 2, CSS is CHF 370.80 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 447.20 a month, Mutuel to CHF 478.10. The gap is CHF 370.80 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to CSS is worth CHF 490.80 more a year. Agrisano

CSS ranks 11 and Mutuel ranks 21, out of 28 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 520.00	CHF 569.10	− 49.10
500	CHF 508.40	CHF 557.60	− 49.20
1'000	CHF 479.20	CHF 528.60	− 49.40
1'500	CHF 450.00	CHF 499.10	− 49.10
2'000	CHF 420.90	CHF 470.10	− 49.20
2'500	CHF 391.70	CHF 441.10	− 49.40

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

Against 2025, CSS moves by + 3.4 % and Mutuel by + 6.2 % in this region.

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