Helsana or Mutuel in Region 2 of canton St. Gallen?
In Region 2, Helsana is CHF 385.20 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 458.60 a month, Mutuel to CHF 490.70. The gap is CHF 385.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 419.60 a month. Moving there rather than to Helsana is worth CHF 468.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Mutuel ranks 19, 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 560.70 | − 14.70 |
| 500 | CHF 534.40 | CHF 549.20 | − 14.80 |
| 1'000 | CHF 505.20 | CHF 520.20 | − 15.00 |
| 1'500 | CHF 476.00 | CHF 490.70 | − 14.70 |
| 2'000 | CHF 446.90 | CHF 461.70 | − 14.80 |
| 2'500 | CHF 417.70 | CHF 432.70 | − 15.00 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Family doctor | CHF 458.60 | CHF 510.30 |
| Other model | CHF 480.40 | CHF 490.70 |
| Free choice of doctor | CHF 546.00 | CHF 560.70 |
| HMO practice | — | CHF 493.50 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Mutuel by + 4.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.