Helsana or Mutuel in Region 2 of canton Schaffhausen?
In Region 2, Helsana is CHF 434.40 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 491.30 a month, Mutuel to CHF 527.50. The gap is CHF 434.40 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 433.80 a month. Moving there rather than to Helsana is worth CHF 690.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 14 and Mutuel ranks 21, out of 23 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 578.00 | CHF 599.40 | − 21.40 |
| 500 | CHF 566.40 | CHF 587.90 | − 21.50 |
| 1'000 | CHF 537.20 | CHF 558.90 | − 21.70 |
| 1'500 | CHF 508.00 | CHF 529.40 | − 21.40 |
| 2'000 | CHF 478.90 | CHF 500.40 | − 21.50 |
| 2'500 | CHF 449.70 | CHF 471.40 | − 21.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 491.30 | CHF 529.00 |
| Family doctor | CHF 491.30 | CHF 545.50 |
| Free choice of doctor | CHF 578.00 | CHF 599.40 |
| HMO practice | — | CHF 527.50 |
How they moved in this region
Against 2025, Helsana moves by + 5.7 % and Mutuel by + 3.7 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.