Helsana or Mutuel?
Basic benefits are identical at Helsana and Mutuel — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Helsana is cheaper in 40 of 42 premium regions.
On average, Helsana costs CHF 391 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | Mutuel | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 500.20 | CHF -16.40 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 422.20 | CHF -2.30 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 558.50 | CHF -90.20 |
| Bern | 1 | CHF 548.90 | CHF 601.20 | CHF -52.30 |
| Bern | 2 | CHF 508.30 | CHF 553.10 | CHF -44.80 |
| Bern | 3 | CHF 483.60 | CHF 529.00 | CHF -45.40 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 572.40 | CHF -0.40 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 538.00 | CHF -6.80 |
| Basel-Stadt | single | CHF 581.40 | CHF 593.60 | CHF -12.20 |
| Fribourg | 1 | CHF 501.90 | CHF 542.10 | CHF -40.20 |
| Fribourg | 2 | CHF 477.70 | CHF 512.30 | CHF -34.60 |
| Geneva | single | CHF 613.70 | CHF 624.40 | CHF -10.70 |
| Glarus | single | CHF 466.10 | CHF 476.50 | CHF -10.40 |
| Grisons | 1 | CHF 479.00 | CHF 479.50 | CHF -0.50 |
| Grisons | 2 | CHF 453.00 | CHF 467.60 | CHF -14.60 |
| Grisons | 3 | CHF 441.80 | CHF 455.60 | CHF -13.80 |
| Jura | single | CHF 578.80 | CHF 591.80 | CHF -13.00 |
| Lucerne | 1 | CHF 472.00 | CHF 560.60 | CHF -88.60 |
| Lucerne | 2 | CHF 458.60 | CHF 526.90 | CHF -68.30 |
| Lucerne | 3 | CHF 450.20 | CHF 521.30 | CHF -71.10 |
| Neuchâtel | single | CHF 568.40 | CHF 624.00 | CHF -55.60 |
| Nidwalden | single | CHF 434.30 | CHF 511.40 | CHF -77.10 |
| Obwalden | single | CHF 429.20 | CHF 442.10 | CHF -12.90 |
| St. Gallen | 1 | CHF 483.60 | CHF 527.60 | CHF -44.00 |
| St. Gallen | 2 | CHF 458.60 | CHF 490.70 | CHF -32.10 |
| St. Gallen | 3 | CHF 441.80 | CHF 464.30 | CHF -22.50 |
| Schaffhausen | 1 | CHF 486.30 | CHF 555.20 | CHF -68.90 |
| Schaffhausen | 2 | CHF 491.30 | CHF 527.50 | CHF -36.20 |
| Solothurn | single | CHF 506.30 | CHF 509.40 | CHF -3.10 |
| Schwyz | single | CHF 462.40 | CHF 453.00 | +CHF 9.40 |
| Thurgau | single | CHF 474.30 | CHF 488.50 | CHF -14.20 |
| Ticino | 1 | CHF 629.10 | CHF 683.60 | CHF -54.50 |
| Ticino | 2 | CHF 565.80 | CHF 649.40 | CHF -83.60 |
| Uri | single | CHF 431.80 | CHF 482.30 | CHF -50.50 |
| Vaud | 1 | CHF 580.10 | CHF 617.50 | CHF -37.40 |
| Vaud | 2 | CHF 560.10 | CHF 580.50 | CHF -20.40 |
| Valais | 1 | CHF 498.10 | CHF 503.20 | CHF -5.10 |
| Valais | 2 | CHF 440.30 | CHF 478.10 | CHF -37.80 |
| Zug | single | CHF 365.50 | CHF 364.00 | +CHF 1.50 |
| Zurich | 1 | CHF 533.60 | CHF 553.50 | CHF -19.90 |
| Zurich | 2 | CHF 493.80 | CHF 531.30 | CHF -37.50 |
| Zurich | 3 | CHF 464.80 | CHF 492.60 | CHF -27.80 |
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.