CSS or Sanitas in Region 2 of canton Vaud?
In Region 2, CSS is CHF 86.40 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 554.40 a month, Sanitas to CHF 561.60. The gap is CHF 86.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to CSS is worth CHF 205.20 more a year. Assura-Basis
Where they stand in the region
CSS ranks 7 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 660.00 | CHF 668.50 | − 8.50 |
| 500 | CHF 648.40 | CHF 656.90 | − 8.50 |
| 1'000 | CHF 619.20 | CHF 627.70 | − 8.50 |
| 1'500 | CHF 590.00 | CHF 598.50 | − 8.50 |
| 2'000 | CHF 560.90 | CHF 569.40 | − 8.50 |
| 2'500 | CHF 531.70 | CHF 540.20 | − 8.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 554.40 | CHF 581.60 |
| Other model | CHF 600.60 | CHF 561.60 |
| Free choice of doctor | CHF 660.00 | CHF 668.50 |
| HMO practice | — | CHF 608.40 |
How they moved in this region
Against 2025, CSS moves by + 3.3 % and Sanitas by + 0.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.