CSS or Sanitas in Region 3 of canton Zurich?
In Region 3, Sanitas is CHF 252.00 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 451.40 a month, CSS to CHF 472.40. The gap is CHF 252.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Sanitas is worth CHF 283.20 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and Sanitas ranks 4, 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 559.00 | CHF 524.80 | + 34.20 |
| 500 | CHF 547.40 | CHF 513.20 | + 34.20 |
| 1'000 | CHF 518.20 | CHF 484.00 | + 34.20 |
| 1'500 | CHF 489.00 | CHF 454.80 | + 34.20 |
| 2'000 | CHF 459.90 | CHF 425.70 | + 34.20 |
| 2'500 | CHF 430.70 | CHF 396.50 | + 34.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Sanitas |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 456.60 |
| Other model | CHF 505.90 | CHF 451.40 |
| Free choice of doctor | CHF 559.00 | CHF 524.80 |
| HMO practice | — | CHF 477.60 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and Sanitas by + 4.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.