Helsana or Mutuel in Region 2 of canton Grisons?
In Region 2, Helsana is CHF 175.20 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 453.00 a month, Mutuel to CHF 467.60. The gap is CHF 175.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 418.00 a month. Moving there rather than to Helsana is worth CHF 420.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 11 and Mutuel ranks 12, out of 24 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 533.00 | CHF 534.30 | − 1.30 |
| 500 | CHF 521.40 | CHF 522.80 | − 1.40 |
| 1'000 | CHF 492.20 | CHF 493.80 | − 1.60 |
| 1'500 | CHF 463.00 | CHF 464.30 | − 1.30 |
| 2'000 | CHF 433.90 | CHF 435.30 | − 1.40 |
| 2'500 | CHF 404.70 | CHF 406.30 | − 1.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 453.00 | CHF 467.60 |
| Family doctor | CHF 453.00 | CHF 486.30 |
| Free choice of doctor | CHF 533.00 | CHF 534.30 |
| HMO practice | — | CHF 470.20 |
How they moved in this region
Against 2025, Helsana moves by + 0.2 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.