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Sanitas or Mutuel in Region 1 of canton Zurich?

In Region 1, Sanitas is CHF 249.60 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 532.70 a month, Mutuel to CHF 553.50. The gap is CHF 249.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Atupri, at CHF 517.70 a month. Moving there rather than to Sanitas is worth CHF 180.00 more a year. Atupri

Where they stand in the region

Sanitas ranks 6 and Mutuel ranks 11, out of 27 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.

DeductibleSanitasMutuelGap
300CHF 619.40CHF 639.80− 20.40
500CHF 607.80CHF 628.30− 20.50
1'000CHF 578.60CHF 599.30− 20.70
1'500CHF 549.40CHF 569.80− 20.40
2'000CHF 520.30CHF 540.80− 20.50
2'500CHF 491.10CHF 511.80− 20.70

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

ModelSanitasMutuel
Other modelCHF 532.70CHF 553.50
Family doctorCHF 538.90CHF 582.30
HMO practiceCHF 563.70CHF 563.10
Free choice of doctorCHF 619.40CHF 639.80

How they moved in this region

Against 2025, Sanitas moves by + 3.2 % and Mutuel by + 3.6 % in this region.

Sanitas, Mutuel, or another?

The comparator works out your actual premium across all 34 insurers at once, from your age, deductible and municipality.

Source: Federal Office of Public Health (FOPH), official premiums.