Mutuel — Region 3 of canton Zurich, 2026 premiums
Mutuel covers the 122 municipalities of Region 3 in canton Zurich. Its lowest adult premium here is CHF 339.10 a month, with a 300-franc deductible and accident cover included.
Where it stands in this region
Mutuel ranks 20 out of 27 active insurers in Region 3, cheapest to dearest.
The regional average across insurers is CHF 476.41 a month.
What staying costs
Moving from Mutuel to Agrisano, the cheapest insurer in this region, saves CHF 777.60 a year for an adult on the same profile.
The full Mutuel table
260 official rates for this region. Each cell gives the lowest price for that model at that deductible, accident cover included.
Adults From age 26.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 569.50 | CHF 518.20 | CHF 501.10 | CHF 492.60 |
| 500 | CHF 558.00 | CHF 506.70 | CHF 489.60 | CHF 481.10 |
| 1'000 | CHF 529.00 | CHF 477.70 | CHF 460.60 | CHF 452.10 |
| 1'500 | CHF 499.50 | CHF 448.20 | CHF 431.10 | CHF 422.60 |
| 2'000 | CHF 470.50 | CHF 419.20 | CHF 402.10 | CHF 393.60 |
| 2'500 | CHF 441.50 | CHF 390.20 | CHF 373.10 | CHF 364.60 |
Young adults Ages 19 to 25.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 300 | CHF 437.90 | CHF 398.50 | CHF 385.40 | CHF 385.40 |
| 500 | CHF 426.40 | CHF 387.00 | CHF 373.90 | CHF 373.90 |
| 1'000 | CHF 397.40 | CHF 358.00 | CHF 344.90 | CHF 344.90 |
| 1'500 | CHF 367.90 | CHF 328.50 | CHF 315.40 | CHF 315.40 |
| 2'000 | CHF 338.90 | CHF 299.50 | CHF 286.40 | CHF 286.40 |
| 2'500 | CHF 309.90 | CHF 270.50 | CHF 257.40 | CHF 257.40 |
Children Up to age 18.
| Deductible | Free choice of doctor | Family doctor | HMO | Other model |
|---|---|---|---|---|
| 0 | CHF 104.50 | CHF 95.10 | CHF 94.10 | CHF 94.10 |
| 100 | CHF 100.20 | CHF 90.80 | CHF 89.70 | CHF 89.70 |
| 200 | CHF 95.80 | CHF 86.40 | CHF 85.40 | CHF 85.40 |
| 300 | CHF 91.40 | CHF 82.00 | CHF 80.90 | CHF 80.90 |
| 400 | CHF 87.00 | CHF 77.60 | CHF 76.60 | CHF 76.60 |
| 500 | CHF 82.70 | CHF 73.30 | CHF 72.20 | CHF 72.20 |
| 600 | CHF 78.30 | CHF 68.90 | CHF 67.80 | CHF 67.80 |
With or without accident cover
With accident cover: CHF 569.50 a month. Without: CHF 529.60. Dropping it saves CHF 478.80 a year — but only if your employer already insures accidents, which requires at least eight hours of work a week.
Every other figure on this page includes accident cover.
Compared with last year
In this region the insurer’s lowest premium goes from CHF 475.40 in 2025 to CHF 339.10 — a rise of 3.6 %.
The 122 municipalities in this region
They all pay exactly the same rate: under basic insurance the premium belongs to Region 3 of canton Zurich, not to the municipality.
Aesch (ZH) · Aeugst am Albis · Affoltern am Albis · Altikon · Andelfingen · Bachenbülach · Bachs · Bassersdorf · Bauma · Benken (ZH) · Berg am Irchel · Birmensdorf (ZH) · Bonstetten · Boppelsen · Brütten · Bubikon · Buch am Irchel · Buchs (ZH) · Bäretswil · Bülach · Dachsen · Dielsdorf · Dinhard · Dorf · Dägerlen · Dällikon · Dänikon · Dättlikon · Dürnten · Eglisau · Elgg · Ellikon an der Thur · Elsau · Embrach · Fehraltorf · Feuerthalen · Fischenthal · Flaach · Flurlingen · Freienstein-Teufen · Geroldswil · Glattfelden · Gossau (ZH) · Grüningen · Hagenbuch · Hausen am Albis · Hedingen · Henggart · Hettlingen · Hinwil · Hittnau · Hochfelden · Höri · Hüntwangen · Hüttikon · Illnau-Effretikon · Kappel am Albis · Kleinandelfingen · Knonau · Langnau am Albis · Laufen-Uhwiesen · Lindau · Lufingen · Marthalen · Maschwanden · Mettmenstetten · Neerach · Neftenbach · Niederglatt · Niederhasli · Niederweningen · Nürensdorf · Oberembrach · Oberengstringen · Oberglatt · Oberrieden · Oberweningen · Obfelden · Oetwil an der Limmat · Ossingen · Otelfingen · Ottenbach · Pfungen · Pfäffikon · Rafz · Regensberg · Rheinau · Rickenbach (ZH) · Rifferswil · Rorbas · Russikon · Rüschlikon · Rüti (ZH) · Schlatt (ZH) · Schleinikon · Schöfflisdorf · Seegräben · Seuzach · Stadel · Stallikon · Stammheim · Steinmaur · Thalheim an der Thur · Truttikon · Trüllikon · Turbenthal · Uitikon · Unterengstringen · Volken · Wald (ZH) · Wasterkingen · Weiach · Weiningen (ZH) · Weisslingen · Wettswil am Albis · Wetzikon (ZH) · Wiesendangen · Wil (ZH) · Wila · Wildberg · Winkel · Zell (ZH)
The other insurers in Region 3
27 insurers offer premiums in this region. Lowest adult premium, 300-franc deductible, accident cover included.
| Insurer | From | |
|---|---|---|
| Agrisano | CHF 427.80 | View |
| SLKK | CHF 439.40 | View |
| rhenusana | CHF 447.90 | View |
| Sanitas | CHF 451.40 | View |
| Wädenswil | CHF 452.80 | View |
| ÖKK | CHF 453.10 | View |
| Assura-Basis | CHF 454.00 | View |
| CONCORDIA | CHF 461.20 | View |
| Visana | CHF 462.70 | View |
| Aquilana | CHF 463.20 | View |
| SWICA | CHF 463.40 | View |
| Helsana | CHF 464.80 | View |
| Sumiswalder | CHF 465.60 | View |
| EGK | CHF 466.50 | View |
| Atupri | CHF 469.00 | View |
| Luzerner Hinterland | CHF 469.25 | View |
| Galenos | CHF 471.70 | View |
| CSS | CHF 472.40 | View |
| KPT | CHF 476.80 | View |
| Vivao Sympany | CHF 497.20 | View |
| sana24 | CHF 497.70 | View |
| Avenir | CHF 502.40 | View |
| vita surselva | CHF 525.35 | View |
| Philos | CHF 528.20 | View |
| Steffisburg | CHF 528.80 | View |
| Einsiedler | CHF 558.00 | View |
Source: Federal Office of Public Health (FOPH), official premiums.