Helsana or Mutuel in Region 1 of canton Fribourg?
In Region 1, Helsana is CHF 482.40 a year cheaper than Mutuel 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 501.90 a month, Mutuel to CHF 542.10. The gap is CHF 482.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Vivao Sympany, at CHF 501.10 a month. Moving there rather than to Helsana is worth CHF 9.60 more a year. Vivao Sympany
Where they stand in the region
Helsana ranks 2 and Mutuel ranks 18, out of 23 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 | Mutuel | Gap |
|---|---|---|---|
| 300 | CHF 577.00 | CHF 645.30 | − 68.30 |
| 500 | CHF 565.40 | CHF 633.80 | − 68.40 |
| 1'000 | CHF 536.20 | CHF 604.80 | − 68.60 |
| 1'500 | CHF 507.00 | CHF 575.30 | − 68.30 |
| 2'000 | CHF 477.90 | CHF 546.30 | − 68.40 |
| 2'500 | CHF 448.70 | CHF 517.30 | − 68.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 501.90 | CHF 551.80 |
| Family doctor | CHF 501.90 | CHF 587.30 |
| Free choice of doctor | CHF 577.00 | CHF 645.30 |
| HMO practice | — | CHF 542.10 |
How they moved in this region
Against 2025, Helsana moves by + 1.5 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.