Helsana or Mutuel in Region 2 of canton Lucerne?
In Region 2, Helsana is CHF 819.60 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 458.60 a month, Mutuel to CHF 526.90. The gap is CHF 819.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 425.70 a month. Moving there rather than to Helsana is worth CHF 394.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 15 and Mutuel ranks 25, 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 546.00 | CHF 602.20 | − 56.20 |
| 500 | CHF 534.40 | CHF 590.70 | − 56.30 |
| 1'000 | CHF 505.20 | CHF 561.70 | − 56.50 |
| 1'500 | CHF 476.00 | CHF 532.20 | − 56.20 |
| 2'000 | CHF 446.90 | CHF 503.20 | − 56.30 |
| 2'500 | CHF 417.70 | CHF 474.20 | − 56.50 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 458.60 | CHF 526.90 |
| Family doctor | CHF 458.60 | CHF 548.00 |
| Free choice of doctor | CHF 546.00 | CHF 602.20 |
| HMO practice | — | CHF 530.00 |
How they moved in this region
Against 2025, Helsana moves by + 5.4 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.