CSS or Mutuel in Region 3 of canton Zurich?
In Region 3, CSS is CHF 242.40 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 472.40 a month, Mutuel to CHF 492.60. The gap is CHF 242.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to CSS is worth CHF 535.20 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and Mutuel ranks 20, 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 559.00 | CHF 569.50 | − 10.50 |
| 500 | CHF 547.40 | CHF 558.00 | − 10.60 |
| 1'000 | CHF 518.20 | CHF 529.00 | − 10.80 |
| 1'500 | CHF 489.00 | CHF 499.50 | − 10.50 |
| 2'000 | CHF 459.90 | CHF 470.50 | − 10.60 |
| 2'500 | CHF 430.70 | CHF 441.50 | − 10.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Mutuel |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 518.20 |
| Other model | CHF 505.90 | CHF 492.60 |
| Free choice of doctor | CHF 559.00 | CHF 569.50 |
| HMO practice | — | CHF 501.10 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.