Mutuel or EGK?
Basic benefits are identical at Mutuel and EGK — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
EGK is cheaper in 26 of 42 premium regions.
On average, EGK costs CHF 154 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Mutuel | EGK | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 500.20 | CHF 481.70 | +CHF 18.50 |
| Appenzell Innerrhoden | single | CHF 422.20 | CHF 426.30 | CHF -4.10 |
| Appenzell Ausserrhoden | single | CHF 558.50 | CHF 447.90 | +CHF 110.60 |
| Bern | 1 | CHF 601.20 | CHF 603.40 | CHF -2.20 |
| Bern | 2 | CHF 553.10 | CHF 511.70 | +CHF 41.40 |
| Bern | 3 | CHF 529.00 | CHF 491.10 | +CHF 37.90 |
| Basel-Landschaft | 1 | CHF 572.40 | CHF 638.60 | CHF -66.20 |
| Basel-Landschaft | 2 | CHF 538.00 | CHF 548.10 | CHF -10.10 |
| Basel-Stadt | single | CHF 593.60 | CHF 649.00 | CHF -55.40 |
| Fribourg | 1 | CHF 542.10 | CHF 540.30 | +CHF 1.80 |
| Fribourg | 2 | CHF 512.30 | CHF 478.10 | +CHF 34.20 |
| Geneva | single | CHF 624.40 | CHF 641.10 | CHF -16.70 |
| Glarus | single | CHF 476.50 | CHF 482.30 | CHF -5.80 |
| Grisons | 1 | CHF 479.50 | CHF 548.10 | CHF -68.60 |
| Grisons | 2 | CHF 467.60 | CHF 514.80 | CHF -47.20 |
| Grisons | 3 | CHF 455.60 | CHF 467.90 | CHF -12.30 |
| Jura | single | CHF 591.80 | CHF 655.90 | CHF -64.10 |
| Lucerne | 1 | CHF 560.60 | CHF 491.60 | +CHF 69.00 |
| Lucerne | 2 | CHF 526.90 | CHF 451.20 | +CHF 75.70 |
| Lucerne | 3 | CHF 521.30 | CHF 445.80 | +CHF 75.50 |
| Neuchâtel | single | CHF 624.00 | CHF 623.00 | +CHF 1.00 |
| Nidwalden | single | CHF 511.40 | CHF 419.60 | +CHF 91.80 |
| Obwalden | single | CHF 442.10 | CHF 425.50 | +CHF 16.60 |
| St. Gallen | 1 | CHF 527.60 | CHF 508.20 | +CHF 19.40 |
| St. Gallen | 2 | CHF 490.70 | CHF 457.80 | +CHF 32.90 |
| St. Gallen | 3 | CHF 464.30 | CHF 454.50 | +CHF 9.80 |
| Schaffhausen | 1 | CHF 555.20 | CHF 517.00 | +CHF 38.20 |
| Schaffhausen | 2 | CHF 527.50 | CHF 486.80 | +CHF 40.70 |
| Solothurn | single | CHF 509.40 | CHF 516.60 | CHF -7.20 |
| Schwyz | single | CHF 453.00 | CHF 448.60 | +CHF 4.40 |
| Thurgau | single | CHF 488.50 | CHF 468.00 | +CHF 20.50 |
| Ticino | 1 | CHF 683.60 | CHF 632.90 | +CHF 50.70 |
| Ticino | 2 | CHF 649.40 | CHF 584.90 | +CHF 64.50 |
| Uri | single | CHF 482.30 | CHF 425.20 | +CHF 57.10 |
| Vaud | 1 | CHF 617.50 | CHF 626.40 | CHF -8.90 |
| Vaud | 2 | CHF 580.50 | CHF 554.30 | +CHF 26.20 |
| Valais | 1 | CHF 503.20 | CHF 530.40 | CHF -27.20 |
| Valais | 2 | CHF 478.10 | CHF 472.60 | +CHF 5.50 |
| Zug | single | CHF 364.00 | CHF 395.80 | CHF -31.80 |
| Zurich | 1 | CHF 553.50 | CHF 571.30 | CHF -17.80 |
| Zurich | 2 | CHF 531.30 | CHF 517.10 | +CHF 14.20 |
| Zurich | 3 | CHF 492.60 | CHF 466.50 | +CHF 26.10 |
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.