CSS or Sanitas in Region 2 of canton Ticino?
In Region 2, Sanitas is CHF 285.00 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Sanitas comes down to CHF 586.05 a month, CSS to CHF 609.80. The gap is CHF 285.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Sanitas is worth CHF 564.60 more a year. Agrisano
Where they stand in the region
CSS ranks 13 and Sanitas ranks 11, out of 21 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 | Sanitas | Gap |
|---|---|---|---|
| 300 | CHF 705.00 | CHF 673.60 | + 31.40 |
| 500 | CHF 693.40 | CHF 662.00 | + 31.40 |
| 1'000 | CHF 664.20 | CHF 632.80 | + 31.40 |
| 1'500 | CHF 635.00 | CHF 603.60 | + 31.40 |
| 2'000 | CHF 605.90 | CHF 574.50 | + 31.40 |
| 2'500 | CHF 576.70 | CHF 545.30 | + 31.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 609.80 | CHF 586.05 |
| Other model | CHF 638.00 | CHF 606.30 |
| Free choice of doctor | CHF 705.00 | CHF 673.60 |
| HMO practice | — | CHF 613.00 |
How they moved in this region
Against 2025, CSS moves by + 7.7 % and Sanitas by + 5.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.