CSS or Mutuel in Region 1 of canton Vaud?

In Region 1, CSS is CHF 499.20 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 575.90 a month, Mutuel to CHF 617.50. The gap is CHF 499.20 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to CSS is worth CHF 69.60 more a year. Atupri

CSS ranks 3 and Mutuel ranks 15, 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 698.00	CHF 718.00	− 20.00
500	CHF 686.40	CHF 706.50	− 20.10
1'000	CHF 657.20	CHF 677.50	− 20.30
1'500	CHF 628.00	CHF 648.00	− 20.00
2'000	CHF 598.90	CHF 619.00	− 20.10
2'500	CHF 569.70	CHF 590.00	− 20.30

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

Against 2025, CSS moves by + 1.7 % and Mutuel by + 3.1 % in this region.

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