Visana or Mutuel in Region 3 of canton St. Gallen?
In Region 3, Mutuel is CHF 488.40 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 464.30 a month, Visana to CHF 505.00. The gap is CHF 488.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 401.60 a month. Moving there rather than to Mutuel is worth CHF 752.40 more a year. Agrisano
Where they stand in the region
Visana ranks 22 and Mutuel ranks 18, 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 594.10 | CHF 530.60 | + 63.50 |
| 500 | CHF 587.40 | CHF 519.10 | + 68.30 |
| 1'000 | CHF 553.30 | CHF 490.10 | + 63.20 |
| 1'500 | CHF 524.10 | CHF 460.60 | + 63.50 |
| 2'000 | CHF 494.90 | CHF 431.60 | + 63.30 |
| 2'500 | CHF 465.80 | CHF 402.60 | + 63.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Visana | Mutuel |
|---|---|---|
| HMO practice | CHF 505.00 | CHF 466.90 |
| Other model | CHF 511.00 | CHF 464.30 |
| Family doctor | CHF 511.00 | CHF 482.90 |
| Free choice of doctor | CHF 594.10 | CHF 530.60 |
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.