Sanitas or Visana in Region 3 of canton Zurich?
In Region 3, Sanitas is CHF 135.60 a year cheaper than Visana 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 451.40 a month, Visana to CHF 462.70. The gap is CHF 135.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Sanitas is worth CHF 283.20 more a year. Agrisano
Where they stand in the region
Sanitas ranks 4 and Visana ranks 9, 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.
| Deductible | Sanitas | Visana | Gap |
|---|---|---|---|
| 300 | CHF 524.80 | CHF 571.10 | − 46.30 |
| 500 | CHF 513.20 | CHF 564.40 | − 51.20 |
| 1'000 | CHF 484.00 | CHF 530.30 | − 46.30 |
| 1'500 | CHF 454.80 | CHF 501.10 | − 46.30 |
| 2'000 | CHF 425.70 | CHF 471.90 | − 46.20 |
| 2'500 | CHF 396.50 | CHF 442.80 | − 46.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Sanitas | Visana |
|---|---|---|
| Other model | CHF 451.40 | CHF 502.60 |
| Family doctor | CHF 456.60 | CHF 502.60 |
| HMO practice | CHF 477.60 | CHF 462.70 |
| Free choice of doctor | CHF 524.80 | CHF 571.10 |
How they moved in this region
Against 2025, Sanitas moves by + 4.3 % and Visana by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.