Sanitas or Mutuel in Region 2 of canton Ticino?
In Region 2, Sanitas is CHF 760.20 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
Sanitas comes down to CHF 586.05 a month, Mutuel to CHF 649.40. The gap is CHF 760.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Sanitas is worth CHF 564.60 more a year. Agrisano
Where they stand in the region
Sanitas ranks 11 and Mutuel ranks 18, out of 21 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 673.60 | CHF 733.80 | − 60.20 |
| 500 | CHF 662.00 | CHF 722.30 | − 60.30 |
| 1'000 | CHF 632.80 | CHF 693.30 | − 60.50 |
| 1'500 | CHF 603.60 | CHF 663.80 | − 60.20 |
| 2'000 | CHF 574.50 | CHF 634.80 | − 60.30 |
| 2'500 | CHF 545.30 | CHF 605.80 | − 60.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 586.05 | CHF 667.80 |
| Other model | CHF 606.30 | CHF 649.40 |
| HMO practice | CHF 613.00 | — |
| Free choice of doctor | CHF 673.60 | CHF 733.80 |
How they moved in this region
Against 2025, Sanitas moves by + 5.1 % and Mutuel by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.