Sanitas or Mutuel in Region 2 of canton Vaud?
In Region 2, Sanitas is CHF 226.80 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 561.60 a month, Mutuel to CHF 580.50. The gap is CHF 226.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to Sanitas is worth CHF 291.60 more a year. Assura-Basis
Where they stand in the region
Sanitas ranks 11 and Mutuel ranks 17, 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 668.50 | CHF 675.00 | − 6.50 |
| 500 | CHF 656.90 | CHF 663.50 | − 6.60 |
| 1'000 | CHF 627.70 | CHF 634.50 | − 6.80 |
| 1'500 | CHF 598.50 | CHF 605.00 | − 6.50 |
| 2'000 | CHF 569.40 | CHF 576.00 | − 6.60 |
| 2'500 | CHF 540.20 | CHF 547.00 | − 6.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Mutuel |
|---|---|---|
| Other model | CHF 561.60 | CHF 580.50 |
| Family doctor | CHF 581.60 | CHF 614.20 |
| HMO practice | CHF 608.40 | CHF 594.00 |
| Free choice of doctor | CHF 668.50 | CHF 675.00 |
How they moved in this region
Against 2025, Sanitas moves by + 0.4 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.