Sanitas or Mutuel?
Basic benefits are identical at Sanitas and Mutuel — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Sanitas is cheaper in 37 of 42 premium regions.
On average, Sanitas costs CHF 412 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Sanitas | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 478.75 | CHF 500.20 | CHF -21.45 |
| Appenzell Innerrhoden | single | CHF 378.30 | CHF 422.20 | CHF -43.90 |
| Appenzell Ausserrhoden | single | CHF 448.65 | CHF 558.50 | CHF -109.85 |
| Bern | 1 | CHF 552.30 | CHF 601.20 | CHF -48.90 |
| Bern | 2 | CHF 545.30 | CHF 553.10 | CHF -7.80 |
| Bern | 3 | CHF 495.45 | CHF 529.00 | CHF -33.55 |
| Basel-Landschaft | 1 | CHF 558.30 | CHF 572.40 | CHF -14.10 |
| Basel-Landschaft | 2 | CHF 556.30 | CHF 538.00 | +CHF 18.30 |
| Basel-Stadt | single | CHF 598.40 | CHF 593.60 | +CHF 4.80 |
| Fribourg | 1 | CHF 503.75 | CHF 542.10 | CHF -38.35 |
| Fribourg | 2 | CHF 501.10 | CHF 512.30 | CHF -11.20 |
| Geneva | single | CHF 609.30 | CHF 624.40 | CHF -15.10 |
| Glarus | single | CHF 455.60 | CHF 476.50 | CHF -20.90 |
| Grisons | 1 | CHF 453.60 | CHF 479.50 | CHF -25.90 |
| Grisons | 2 | CHF 448.30 | CHF 467.60 | CHF -19.30 |
| Grisons | 3 | CHF 434.75 | CHF 455.60 | CHF -20.85 |
| Jura | single | CHF 570.45 | CHF 591.80 | CHF -21.35 |
| Lucerne | 1 | CHF 461.60 | CHF 560.60 | CHF -99.00 |
| Lucerne | 2 | CHF 443.60 | CHF 526.90 | CHF -83.30 |
| Lucerne | 3 | CHF 429.50 | CHF 521.30 | CHF -91.80 |
| Neuchâtel | single | CHF 576.60 | CHF 624.00 | CHF -47.40 |
| Nidwalden | single | CHF 413.70 | CHF 511.40 | CHF -97.70 |
| Obwalden | single | CHF 418.20 | CHF 442.10 | CHF -23.90 |
| St. Gallen | 1 | CHF 479.65 | CHF 527.60 | CHF -47.95 |
| St. Gallen | 2 | CHF 457.30 | CHF 490.70 | CHF -33.40 |
| St. Gallen | 3 | CHF 445.80 | CHF 464.30 | CHF -18.50 |
| Schaffhausen | 1 | CHF 522.70 | CHF 555.20 | CHF -32.50 |
| Schaffhausen | 2 | CHF 484.35 | CHF 527.50 | CHF -43.15 |
| Solothurn | single | CHF 518.15 | CHF 509.40 | +CHF 8.75 |
| Schwyz | single | CHF 456.75 | CHF 453.00 | +CHF 3.75 |
| Thurgau | single | CHF 463.20 | CHF 488.50 | CHF -25.30 |
| Ticino | 1 | CHF 624.80 | CHF 683.60 | CHF -58.80 |
| Ticino | 2 | CHF 586.05 | CHF 649.40 | CHF -63.35 |
| Uri | single | CHF 404.10 | CHF 482.30 | CHF -78.20 |
| Vaud | 1 | CHF 571.00 | CHF 617.50 | CHF -46.50 |
| Vaud | 2 | CHF 561.60 | CHF 580.50 | CHF -18.90 |
| Valais | 1 | CHF 487.10 | CHF 503.20 | CHF -16.10 |
| Valais | 2 | CHF 492.40 | CHF 478.10 | +CHF 14.30 |
| Zug | single | CHF 354.20 | CHF 364.00 | CHF -9.80 |
| Zurich | 1 | CHF 532.70 | CHF 553.50 | CHF -20.80 |
| Zurich | 2 | CHF 488.40 | CHF 531.30 | CHF -42.90 |
| Zurich | 3 | CHF 451.40 | CHF 492.60 | CHF -41.20 |
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.