CSS or Mutuel in Region 1 of canton Zurich?
In Region 1, CSS is CHF 274.80 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 530.60 a month, Mutuel to CHF 553.50. The gap is CHF 274.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to CSS is worth CHF 154.80 more a year. Atupri
Where they stand in the region
CSS ranks 4 and Mutuel ranks 11, out of 27 active insurers in this region.
Deductible by deductible
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 651.00 | CHF 639.80 | + 11.20 |
| 500 | CHF 639.40 | CHF 628.30 | + 11.10 |
| 1'000 | CHF 610.20 | CHF 599.30 | + 10.90 |
| 1'500 | CHF 581.00 | CHF 569.80 | + 11.20 |
| 2'000 | CHF 551.90 | CHF 540.80 | + 11.10 |
| 2'500 | CHF 522.70 | CHF 511.80 | + 10.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 530.60 | CHF 582.30 |
| Other model | CHF 592.40 | CHF 553.50 |
| Free choice of doctor | CHF 651.00 | CHF 639.80 |
| HMO practice | — | CHF 563.10 |
How they moved in this region
Against 2025, CSS moves by + 0.4 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.