CSS or Helsana?
Basic benefits are identical at CSS and Helsana — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Neither dominates: CSS and Helsana split Switzerland almost evenly.
On average, Helsana costs CHF 16 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | CSS | Helsana | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 487.00 | CHF 483.80 | +CHF 3.20 |
| Appenzell Innerrhoden | single | CHF 369.80 | CHF 419.90 | CHF -50.10 |
| Appenzell Ausserrhoden | single | CHF 475.20 | CHF 468.30 | +CHF 6.90 |
| Bern | 1 | CHF 577.10 | CHF 548.90 | +CHF 28.20 |
| Bern | 2 | CHF 513.80 | CHF 508.30 | +CHF 5.50 |
| Bern | 3 | CHF 497.00 | CHF 483.60 | +CHF 13.40 |
| Basel-Landschaft | 1 | CHF 559.10 | CHF 572.00 | CHF -12.90 |
| Basel-Landschaft | 2 | CHF 522.90 | CHF 531.20 | CHF -8.30 |
| Basel-Stadt | single | CHF 575.90 | CHF 581.40 | CHF -5.50 |
| Fribourg | 1 | CHF 522.00 | CHF 501.90 | +CHF 20.10 |
| Fribourg | 2 | CHF 479.40 | CHF 477.70 | +CHF 1.70 |
| Geneva | single | CHF 609.30 | CHF 613.70 | CHF -4.40 |
| Glarus | single | CHF 501.10 | CHF 466.10 | +CHF 35.00 |
| Grisons | 1 | CHF 473.90 | CHF 479.00 | CHF -5.10 |
| Grisons | 2 | CHF 449.70 | CHF 453.00 | CHF -3.30 |
| Grisons | 3 | CHF 427.60 | CHF 441.80 | CHF -14.20 |
| Jura | single | CHF 566.20 | CHF 578.80 | CHF -12.60 |
| Lucerne | 1 | CHF 473.80 | CHF 472.00 | +CHF 1.80 |
| Lucerne | 2 | CHF 441.70 | CHF 458.60 | CHF -16.90 |
| Lucerne | 3 | CHF 438.60 | CHF 450.20 | CHF -11.60 |
| Neuchâtel | single | CHF 594.20 | CHF 568.40 | +CHF 25.80 |
| Nidwalden | single | CHF 443.60 | CHF 434.30 | +CHF 9.30 |
| Obwalden | single | CHF 434.00 | CHF 429.20 | +CHF 4.80 |
| St. Gallen | 1 | CHF 491.90 | CHF 483.60 | +CHF 8.30 |
| St. Gallen | 2 | CHF 444.40 | CHF 458.60 | CHF -14.20 |
| St. Gallen | 3 | CHF 446.30 | CHF 441.80 | +CHF 4.50 |
| Schaffhausen | 1 | CHF 535.10 | CHF 486.30 | +CHF 48.80 |
| Schaffhausen | 2 | CHF 514.50 | CHF 491.30 | +CHF 23.20 |
| Solothurn | single | CHF 516.30 | CHF 506.30 | +CHF 10.00 |
| Schwyz | single | CHF 445.50 | CHF 462.40 | CHF -16.90 |
| Thurgau | single | CHF 459.90 | CHF 474.30 | CHF -14.40 |
| Ticino | 1 | CHF 621.20 | CHF 629.10 | CHF -7.90 |
| Ticino | 2 | CHF 609.80 | CHF 565.80 | +CHF 44.00 |
| Uri | single | CHF 400.80 | CHF 431.80 | CHF -31.00 |
| Vaud | 1 | CHF 575.90 | CHF 580.10 | CHF -4.20 |
| Vaud | 2 | CHF 554.40 | CHF 560.10 | CHF -5.70 |
| Valais | 1 | CHF 499.70 | CHF 498.10 | +CHF 1.60 |
| Valais | 2 | CHF 447.20 | CHF 440.30 | +CHF 6.90 |
| Zug | single | CHF 361.70 | CHF 365.50 | CHF -3.80 |
| Zurich | 1 | CHF 530.60 | CHF 533.60 | CHF -3.00 |
| Zurich | 2 | CHF 484.60 | CHF 493.80 | CHF -9.20 |
| Zurich | 3 | CHF 472.40 | CHF 464.80 | +CHF 7.60 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.