Helsana or Assura-Basis in Region 3 of canton Zurich?
In Region 3, Assura-Basis is CHF 129.60 a year cheaper than Helsana for an adult on the same profile. Here is the detail — and what a third insurer would do.
The verdict, in this region
Assura-Basis comes down to CHF 454.00 a month, Helsana to CHF 464.80. The gap is CHF 129.60 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 Assura-Basis is worth CHF 314.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Assura-Basis ranks 7, 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 | Helsana | Assura-Basis | Gap |
|---|---|---|---|
| 300 | CHF 560.00 | CHF 515.90 | + 44.10 |
| 500 | CHF 548.40 | CHF 504.30 | + 44.10 |
| 1'000 | CHF 519.20 | CHF 475.10 | + 44.10 |
| 1'500 | CHF 490.00 | CHF 445.90 | + 44.10 |
| 2'000 | CHF 460.90 | CHF 416.80 | + 44.10 |
| 2'500 | CHF 431.70 | CHF 387.60 | + 44.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Assura-Basis |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 454.00 |
| Other model | CHF 476.00 | — |
| Free choice of doctor | CHF 560.00 | CHF 515.90 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and Assura-Basis by + 2.4 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.