Sanitas or Mutuel in Region 1 of canton St. Gallen?
In Region 1, Sanitas is CHF 575.40 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
Sanitas comes down to CHF 479.65 a month, Mutuel to CHF 527.60. The gap is CHF 575.40 a year, 300-franc deductible, accident cover included.
What the question hides
Sanitas is also the cheapest insurer in the region, out of 25 active insurers. Duel and ranking give the same answer here.
Where they stand in the region
Sanitas ranks 1 and Mutuel ranks 19, out of 25 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 | Sanitas | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 551.30 | CHF 602.90 | − 51.60 |
| 500 | CHF 539.70 | CHF 591.40 | − 51.70 |
| 1'000 | CHF 510.50 | CHF 562.40 | − 51.90 |
| 1'500 | CHF 481.30 | CHF 532.90 | − 51.60 |
| 2'000 | CHF 452.20 | CHF 503.90 | − 51.70 |
| 2'500 | CHF 423.00 | CHF 474.90 | − 51.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 479.65 | CHF 548.70 |
| Other model | CHF 496.20 | CHF 527.60 |
| HMO practice | CHF 501.70 | CHF 530.60 |
| Free choice of doctor | CHF 551.30 | CHF 602.90 |
How they moved in this region
Against 2025, Sanitas moves by + 4.1 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.