Helsana or Mutuel in Region 1 of canton Lucerne?
In Region 1, Helsana is CHF 1'063.20 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 472.00 a month, Mutuel to CHF 560.60. The gap is CHF 1'063.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 451.60 a month. Moving there rather than to Helsana is worth CHF 244.80 more a year. Atupri
Where they stand in the region
Helsana ranks 4 and Mutuel ranks 24, out of 25 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 640.60 | − 78.60 |
| 500 | CHF 550.40 | CHF 629.10 | − 78.70 |
| 1'000 | CHF 521.20 | CHF 600.10 | − 78.90 |
| 1'500 | CHF 492.00 | CHF 570.60 | − 78.60 |
| 2'000 | CHF 462.90 | CHF 541.60 | − 78.70 |
| 2'500 | CHF 433.70 | CHF 512.60 | − 78.90 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 472.00 | CHF 560.60 |
| Family doctor | CHF 472.00 | CHF 583.00 |
| Free choice of doctor | CHF 562.00 | CHF 640.60 |
| HMO practice | — | CHF 563.80 |
How they moved in this region
Against 2025, Helsana moves by + 4.6 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.