Helsana or Mutuel in Region 3 of canton Lucerne?
In Region 3, Helsana is CHF 853.20 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 450.20 a month, Mutuel to CHF 521.30. The gap is CHF 853.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 414.30 a month. Moving there rather than to Helsana is worth CHF 430.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 18 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 536.00 | CHF 595.80 | − 59.80 |
| 500 | CHF 524.40 | CHF 584.30 | − 59.90 |
| 1'000 | CHF 495.20 | CHF 555.30 | − 60.10 |
| 1'500 | CHF 466.00 | CHF 525.80 | − 59.80 |
| 2'000 | CHF 436.90 | CHF 496.80 | − 59.90 |
| 2'500 | CHF 407.70 | CHF 467.80 | − 60.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 450.20 | CHF 521.30 |
| Family doctor | CHF 460.90 | CHF 542.20 |
| Free choice of doctor | CHF 536.00 | CHF 595.80 |
| HMO practice | — | CHF 524.30 |
How they moved in this region
Against 2025, Helsana moves by + 4.7 % and Mutuel by + 8.0 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.