Visana or Mutuel in Region 2 of canton St. Gallen?
In Region 2, Mutuel is CHF 283.20 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 490.70 a month, Visana to CHF 514.30. The gap is CHF 283.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Mutuel is worth CHF 853.20 more a year. Agrisano
Where they stand in the region
Visana ranks 23 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 605.70 | CHF 560.70 | + 45.00 |
| 500 | CHF 599.00 | CHF 549.20 | + 49.80 |
| 1'000 | CHF 564.90 | CHF 520.20 | + 44.70 |
| 1'500 | CHF 535.70 | CHF 490.70 | + 45.00 |
| 2'000 | CHF 506.50 | CHF 461.70 | + 44.80 |
| 2'500 | CHF 477.40 | CHF 432.70 | + 44.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 514.30 | CHF 493.50 |
| Other model | CHF 521.00 | CHF 490.70 |
| Family doctor | CHF 521.00 | CHF 510.30 |
| Free choice of doctor | CHF 605.70 | CHF 560.70 |
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.