Helsana or Mutuel in Region 3 of canton Grisons?
In Region 3, Helsana is CHF 165.60 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 441.80 a month, Mutuel to CHF 455.60. The gap is CHF 165.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is vita surselva, at CHF 404.70 a month. Moving there rather than to Helsana is worth CHF 445.20 more a year. vita surselva
Where they stand in the region
Helsana ranks 11 and Mutuel ranks 16, 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 526.00 | CHF 520.60 | + 5.40 |
| 500 | CHF 514.40 | CHF 509.10 | + 5.30 |
| 1'000 | CHF 485.20 | CHF 480.10 | + 5.10 |
| 1'500 | CHF 456.00 | CHF 450.60 | + 5.40 |
| 2'000 | CHF 426.90 | CHF 421.60 | + 5.30 |
| 2'500 | CHF 397.70 | CHF 392.60 | + 5.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 441.80 | CHF 455.60 |
| Family doctor | CHF 447.10 | CHF 473.80 |
| Free choice of doctor | CHF 526.00 | CHF 520.60 |
| HMO practice | — | CHF 458.20 |
How they moved in this region
Against 2025, Helsana moves by + 1.9 % and Mutuel by + 6.9 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.