Sanitas or Mutuel in Region 1 of canton Valais?
In Region 1, Sanitas is CHF 193.20 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 487.10 a month, Mutuel to CHF 503.20. The gap is CHF 193.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to Sanitas is worth CHF 70.80 more a year. Atupri
Where they stand in the region
Sanitas ranks 2 and Mutuel ranks 12, out of 26 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 559.90 | CHF 599.00 | − 39.10 |
| 500 | CHF 548.30 | CHF 587.50 | − 39.20 |
| 1'000 | CHF 519.10 | CHF 558.50 | − 39.40 |
| 1'500 | CHF 489.90 | CHF 529.00 | − 39.10 |
| 2'000 | CHF 460.80 | CHF 500.00 | − 39.20 |
| 2'500 | CHF 431.60 | CHF 471.00 | − 39.40 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Family doctor | CHF 487.10 | CHF 545.10 |
| Other model | CHF 504.00 | CHF 503.20 |
| HMO practice | CHF 509.60 | CHF 527.20 |
| Free choice of doctor | CHF 559.90 | CHF 599.00 |
How they moved in this region
Against 2025, Sanitas moves by + 4.6 % and Mutuel by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.