CSS or Helsana in Region 3 of canton Zurich?
In Region 3, Helsana is CHF 91.20 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 464.80 a month, CSS to CHF 472.40. The gap is CHF 91.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Helsana is worth CHF 444.00 more a year. Agrisano
Where they stand in the region
CSS ranks 18 and Helsana ranks 12, out of 27 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 559.00 | CHF 560.00 | − 1.00 |
| 500 | CHF 547.40 | CHF 548.40 | − 1.00 |
| 1'000 | CHF 518.20 | CHF 519.20 | − 1.00 |
| 1'500 | CHF 489.00 | CHF 490.00 | − 1.00 |
| 2'000 | CHF 459.90 | CHF 460.90 | − 1.00 |
| 2'500 | CHF 430.70 | CHF 431.70 | − 1.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | CSS | Helsana |
|---|---|---|
| Family doctor | CHF 472.40 | CHF 464.80 |
| Other model | CHF 505.90 | CHF 476.00 |
| Free choice of doctor | CHF 559.00 | CHF 560.00 |
How they moved in this region
Against 2025, CSS moves by + 4.9 % and Helsana by + 5.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.