CSS or Sanitas?
Basic benefits are identical at CSS and Sanitas — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Sanitas is cheaper in 23 of 42 premium regions.
On average, Sanitas costs CHF 38 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | Sanitas | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 478.75 | +CHF 8.25 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 378.30 | CHF -8.50 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 448.65 | +CHF 26.55 |
| Bern | 1 | CHF 577.10 | CHF 552.30 | +CHF 24.80 |
| Bern | 2 | CHF 513.80 | CHF 545.30 | CHF -31.50 |
| Bern | 3 | CHF 497.00 | CHF 495.45 | +CHF 1.55 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 558.30 | +CHF 0.80 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 556.30 | CHF -33.40 |
| Basel-Stadt | single | CHF 575.90 | CHF 598.40 | CHF -22.50 |
| Fribourg | 1 | CHF 522.00 | CHF 503.75 | +CHF 18.25 |
| Fribourg | 2 | CHF 479.40 | CHF 501.10 | CHF -21.70 |
| Geneva | single | CHF 609.30 | CHF 609.30 | CHF 0.00 |
| Glarus | single | CHF 501.10 | CHF 455.60 | +CHF 45.50 |
| Grisons | 1 | CHF 473.90 | CHF 453.60 | +CHF 20.30 |
| Grisons | 2 | CHF 449.70 | CHF 448.30 | +CHF 1.40 |
| Grisons | 3 | CHF 427.60 | CHF 434.75 | CHF -7.15 |
| Jura | single | CHF 566.20 | CHF 570.45 | CHF -4.25 |
| Lucerne | 1 | CHF 473.80 | CHF 461.60 | +CHF 12.20 |
| Lucerne | 2 | CHF 441.70 | CHF 443.60 | CHF -1.90 |
| Lucerne | 3 | CHF 438.60 | CHF 429.50 | +CHF 9.10 |
| Neuchâtel | single | CHF 594.20 | CHF 576.60 | +CHF 17.60 |
| Nidwalden | single | CHF 443.60 | CHF 413.70 | +CHF 29.90 |
| Obwalden | single | CHF 434.00 | CHF 418.20 | +CHF 15.80 |
| St. Gallen | 1 | CHF 491.90 | CHF 479.65 | +CHF 12.25 |
| St. Gallen | 2 | CHF 444.40 | CHF 457.30 | CHF -12.90 |
| St. Gallen | 3 | CHF 446.30 | CHF 445.80 | +CHF 0.50 |
| Schaffhausen | 1 | CHF 535.10 | CHF 522.70 | +CHF 12.40 |
| Schaffhausen | 2 | CHF 514.50 | CHF 484.35 | +CHF 30.15 |
| Solothurn | single | CHF 516.30 | CHF 518.15 | CHF -1.85 |
| Schwyz | single | CHF 445.50 | CHF 456.75 | CHF -11.25 |
| Thurgau | single | CHF 459.90 | CHF 463.20 | CHF -3.30 |
| Ticino | 1 | CHF 621.20 | CHF 624.80 | CHF -3.60 |
| Ticino | 2 | CHF 609.80 | CHF 586.05 | +CHF 23.75 |
| Uri | single | CHF 400.80 | CHF 404.10 | CHF -3.30 |
| Vaud | 1 | CHF 575.90 | CHF 571.00 | +CHF 4.90 |
| Vaud | 2 | CHF 554.40 | CHF 561.60 | CHF -7.20 |
| Valais | 1 | CHF 499.70 | CHF 487.10 | +CHF 12.60 |
| Valais | 2 | CHF 447.20 | CHF 492.40 | CHF -45.20 |
| Zug | single | CHF 361.70 | CHF 354.20 | +CHF 7.50 |
| Zurich | 1 | CHF 530.60 | CHF 532.70 | CHF -2.10 |
| Zurich | 2 | CHF 484.60 | CHF 488.40 | CHF -3.80 |
| Zurich | 3 | CHF 472.40 | CHF 451.40 | +CHF 21.00 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.