CSS or Helsana in Region 2 of canton Ticino?
In Region 2, Helsana is CHF 528.00 a year cheaper than CSS for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Helsana comes down to CHF 565.80 a month, CSS to CHF 609.80. The gap is CHF 528.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Helsana is worth CHF 321.60 more a year. Agrisano
Where they stand in the region
CSS ranks 13 and Helsana ranks 3, out of 21 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 | CSS | Helsana | Gap |
|---|---|---|---|
| 300 | CHF 705.00 | CHF 658.00 | + 47.00 |
| 500 | CHF 693.40 | CHF 646.40 | + 47.00 |
| 1'000 | CHF 664.20 | CHF 617.20 | + 47.00 |
| 1'500 | CHF 635.00 | CHF 588.00 | + 47.00 |
| 2'000 | CHF 605.90 | CHF 558.90 | + 47.00 |
| 2'500 | CHF 576.70 | CHF 529.70 | + 47.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 609.80 | CHF 565.80 |
| Other model | CHF 638.00 | CHF 572.40 |
| Free choice of doctor | CHF 705.00 | CHF 658.00 |
How they moved in this region
Against 2025, CSS moves by + 7.7 % and Helsana by + 6.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.