Mutuel or EGK in Region 3 of canton Zurich?
In Region 3, EGK is CHF 313.20 a year cheaper than Mutuel for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
EGK comes down to CHF 466.50 a month, Mutuel to CHF 492.60. The gap is CHF 313.20 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 EGK is worth CHF 464.40 more a year. Agrisano
Where they stand in the region
Mutuel ranks 20 and EGK ranks 14, 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 | Mutuel | EGK | Gap |
|---|---|---|---|
| 300 | CHF 569.50 | CHF 541.80 | + 27.70 |
| 500 | CHF 558.00 | CHF 530.10 | + 27.90 |
| 1'000 | CHF 529.00 | CHF 500.90 | + 28.10 |
| 1'500 | CHF 499.50 | CHF 471.80 | + 27.70 |
| 2'000 | CHF 470.50 | CHF 442.60 | + 27.90 |
| 2'500 | CHF 441.50 | CHF 413.40 | + 28.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Mutuel | EGK |
|---|---|---|
| Other model | CHF 492.60 | CHF 466.50 |
| HMO practice | CHF 501.10 | — |
| Family doctor | CHF 518.20 | CHF 487.70 |
| Free choice of doctor | CHF 569.50 | CHF 541.80 |
How they moved in this region
Against 2025, Mutuel moves by + 3.6 % and EGK by + 4.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.