CSS or Sanitas in Region 2 of canton Valais?
In Region 2, CSS is CHF 542.40 a year cheaper than Sanitas 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 447.20 a month, Sanitas to CHF 492.40. The gap is CHF 542.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to CSS is worth CHF 490.80 more a year. Agrisano
Where they stand in the region
CSS ranks 11 and Sanitas ranks 22, out of 28 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 520.00 | CHF 566.00 | − 46.00 |
| 500 | CHF 508.40 | CHF 554.40 | − 46.00 |
| 1'000 | CHF 479.20 | CHF 525.20 | − 46.00 |
| 1'500 | CHF 450.00 | CHF 496.00 | − 46.00 |
| 2'000 | CHF 420.90 | CHF 466.90 | − 46.00 |
| 2'500 | CHF 391.70 | CHF 437.70 | − 46.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 447.20 | CHF 492.40 |
| Other model | CHF 468.00 | CHF 509.40 |
| Free choice of doctor | CHF 520.00 | CHF 566.00 |
| HMO practice | — | CHF 515.10 |
How they moved in this region
Against 2025, CSS moves by + 3.4 % and Sanitas by + 2.5 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.