Helsana or Mutuel in Region 2 of canton Fribourg?
In Region 2, Helsana is CHF 415.20 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 477.70 a month, Mutuel to CHF 512.30. The gap is CHF 415.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 450.00 a month. Moving there rather than to Helsana is worth CHF 332.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 7 and Mutuel ranks 21, 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 562.00 | CHF 609.90 | − 47.90 |
| 500 | CHF 550.40 | CHF 598.40 | − 48.00 |
| 1'000 | CHF 521.20 | CHF 569.40 | − 48.20 |
| 1'500 | CHF 492.00 | CHF 539.90 | − 47.90 |
| 2'000 | CHF 462.90 | CHF 510.90 | − 48.00 |
| 2'500 | CHF 433.70 | CHF 481.90 | − 48.20 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 477.70 | CHF 521.40 |
| Family doctor | CHF 488.90 | CHF 555.00 |
| Free choice of doctor | CHF 562.00 | CHF 609.90 |
| HMO practice | — | CHF 512.30 |
How they moved in this region
Against 2025, Helsana moves by + 4.1 % and Mutuel by + 3.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.