Visana or Mutuel in Region 1 of canton St. Gallen?
In Region 1, Mutuel is CHF 164.40 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
Mutuel comes down to CHF 527.60 a month, Visana to CHF 541.30. The gap is CHF 164.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Sanitas, at CHF 479.65 a month. Moving there rather than to Mutuel is worth CHF 575.40 more a year. Sanitas
Where they stand in the region
Visana ranks 20 and Mutuel ranks 19, out of 25 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 | Visana | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 637.50 | CHF 602.90 | + 34.60 |
| 500 | CHF 630.80 | CHF 591.40 | + 39.40 |
| 1'000 | CHF 596.70 | CHF 562.40 | + 34.30 |
| 1'500 | CHF 567.50 | CHF 532.90 | + 34.60 |
| 2'000 | CHF 538.30 | CHF 503.90 | + 34.40 |
| 2'500 | CHF 509.20 | CHF 474.90 | + 34.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 541.30 | CHF 530.60 |
| Other model | CHF 548.30 | CHF 527.60 |
| Family doctor | CHF 548.30 | CHF 548.70 |
| Free choice of doctor | CHF 637.50 | CHF 602.90 |
How they moved in this region
Against 2025, Visana moves by + 1.2 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.