CSS or Sanitas in Region 1 of canton Zurich?
In Region 1, CSS is CHF 25.20 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 530.60 a month, Sanitas to CHF 532.70. The gap is CHF 25.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to CSS is worth CHF 154.80 more a year. Atupri
Where they stand in the region
CSS ranks 4 and Sanitas ranks 6, out of 27 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 651.00 | CHF 619.40 | + 31.60 |
| 500 | CHF 639.40 | CHF 607.80 | + 31.60 |
| 1'000 | CHF 610.20 | CHF 578.60 | + 31.60 |
| 1'500 | CHF 581.00 | CHF 549.40 | + 31.60 |
| 2'000 | CHF 551.90 | CHF 520.30 | + 31.60 |
| 2'500 | CHF 522.70 | CHF 491.10 | + 31.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 530.60 | CHF 538.90 |
| Other model | CHF 592.40 | CHF 532.70 |
| Free choice of doctor | CHF 651.00 | CHF 619.40 |
| HMO practice | — | CHF 563.70 |
How they moved in this region
Against 2025, CSS moves by + 0.4 % and Sanitas by + 3.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.