CSS or Visana?
Basic benefits are identical at CSS and Visana — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
CSS is cheaper in 25 of 42 premium regions.
On average, CSS costs CHF 160 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | Visana | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 494.00 | CHF -7.00 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 404.50 | CHF -34.70 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 472.40 | +CHF 2.80 |
| Bern | 1 | CHF 577.10 | CHF 540.10 | +CHF 37.00 |
| Bern | 2 | CHF 513.80 | CHF 493.60 | +CHF 20.20 |
| Bern | 3 | CHF 497.00 | CHF 465.50 | +CHF 31.50 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 592.60 | CHF -33.50 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 525.50 | CHF -2.60 |
| Basel-Stadt | single | CHF 575.90 | CHF 630.40 | CHF -54.50 |
| Fribourg | 1 | CHF 522.00 | CHF 508.60 | +CHF 13.40 |
| Fribourg | 2 | CHF 479.40 | CHF 465.20 | +CHF 14.20 |
| Geneva | single | CHF 609.30 | CHF 688.40 | CHF -79.10 |
| Glarus | single | CHF 501.10 | CHF 452.80 | +CHF 48.30 |
| Grisons | 1 | CHF 473.90 | CHF 514.60 | CHF -40.70 |
| Grisons | 2 | CHF 449.70 | CHF 484.30 | CHF -34.60 |
| Grisons | 3 | CHF 427.60 | CHF 445.90 | CHF -18.30 |
| Jura | single | CHF 566.20 | CHF 552.30 | +CHF 13.90 |
| Lucerne | 1 | CHF 473.80 | CHF 529.70 | CHF -55.90 |
| Lucerne | 2 | CHF 441.70 | CHF 485.30 | CHF -43.60 |
| Lucerne | 3 | CHF 438.60 | CHF 485.30 | CHF -46.70 |
| Neuchâtel | single | CHF 594.20 | CHF 554.20 | +CHF 40.00 |
| Nidwalden | single | CHF 443.60 | CHF 416.80 | +CHF 26.80 |
| Obwalden | single | CHF 434.00 | CHF 421.20 | +CHF 12.80 |
| St. Gallen | 1 | CHF 491.90 | CHF 541.30 | CHF -49.40 |
| St. Gallen | 2 | CHF 444.40 | CHF 514.30 | CHF -69.90 |
| St. Gallen | 3 | CHF 446.30 | CHF 505.00 | CHF -58.70 |
| Schaffhausen | 1 | CHF 535.10 | CHF 500.80 | +CHF 34.30 |
| Schaffhausen | 2 | CHF 514.50 | CHF 455.20 | +CHF 59.30 |
| Solothurn | single | CHF 516.30 | CHF 493.00 | +CHF 23.30 |
| Schwyz | single | CHF 445.50 | CHF 485.40 | CHF -39.90 |
| Thurgau | single | CHF 459.90 | CHF 504.60 | CHF -44.70 |
| Ticino | 1 | CHF 621.20 | CHF 683.80 | CHF -62.60 |
| Ticino | 2 | CHF 609.80 | CHF 677.00 | CHF -67.20 |
| Uri | single | CHF 400.80 | CHF 411.00 | CHF -10.20 |
| Vaud | 1 | CHF 575.90 | CHF 605.20 | CHF -29.30 |
| Vaud | 2 | CHF 554.40 | CHF 580.90 | CHF -26.50 |
| Valais | 1 | CHF 499.70 | CHF 488.30 | +CHF 11.40 |
| Valais | 2 | CHF 447.20 | CHF 456.60 | CHF -9.40 |
| Zug | single | CHF 361.70 | CHF 340.70 | +CHF 21.00 |
| Zurich | 1 | CHF 530.60 | CHF 580.90 | CHF -50.30 |
| Zurich | 2 | CHF 484.60 | CHF 495.50 | CHF -10.90 |
| Zurich | 3 | CHF 472.40 | CHF 462.70 | +CHF 9.70 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.