CSS or Sanitas in Region 1 of canton Valais?
In Region 1, Sanitas is CHF 151.20 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 487.10 a month, CSS to CHF 499.70. The gap is CHF 151.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to Sanitas is worth CHF 70.80 more a year. Atupri
Where they stand in the region
CSS ranks 10 and Sanitas ranks 2, out of 26 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 581.00 | CHF 559.90 | + 21.10 |
| 500 | CHF 569.40 | CHF 548.30 | + 21.10 |
| 1'000 | CHF 540.20 | CHF 519.10 | + 21.10 |
| 1'500 | CHF 511.00 | CHF 489.90 | + 21.10 |
| 2'000 | CHF 481.90 | CHF 460.80 | + 21.10 |
| 2'500 | CHF 452.70 | CHF 431.60 | + 21.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 499.70 | CHF 487.10 |
| Other model | CHF 520.00 | CHF 504.00 |
| Free choice of doctor | CHF 581.00 | CHF 559.90 |
| HMO practice | — | CHF 509.60 |
How they moved in this region
Against 2025, CSS moves by + 4.8 % and Sanitas by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.