CSS or Mutuel in Region 2 of canton Zurich?

In Region 2, CSS is CHF 560.40 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 484.60 a month, Mutuel to CHF 531.30. The gap is CHF 560.40 a year, 300-franc deductible, accident cover included.

Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to CSS is worth CHF 200.40 more a year. Agrisano

CSS ranks 5 and Mutuel ranks 23, out of 27 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 591.00	CHF 614.30	− 23.30
500	CHF 579.40	CHF 602.80	− 23.40
1'000	CHF 550.20	CHF 573.80	− 23.60
1'500	CHF 521.00	CHF 544.30	− 23.30
2'000	CHF 491.90	CHF 515.30	− 23.40
2'500	CHF 462.70	CHF 486.30	− 23.60

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

Against 2025, CSS moves by + 0.5 % and Mutuel by + 3.6 % in this region.

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