Helsana or Mutuel in Region 1 of canton Ticino?
In Region 1, Helsana is CHF 654.00 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 629.10 a month, Mutuel to CHF 683.60. The gap is CHF 654.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 583.90 a month. Moving there rather than to Helsana is worth CHF 542.40 more a year. Agrisano
Where they stand in the region
Helsana ranks 9 and Mutuel ranks 17, out of 21 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 749.00 | CHF 772.40 | − 23.40 |
| 500 | CHF 737.40 | CHF 760.90 | − 23.50 |
| 1'000 | CHF 708.20 | CHF 731.90 | − 23.70 |
| 1'500 | CHF 679.00 | CHF 702.40 | − 23.40 |
| 2'000 | CHF 649.90 | CHF 673.40 | − 23.50 |
| 2'500 | CHF 620.70 | CHF 644.40 | − 23.70 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 629.10 | CHF 683.60 |
| Family doctor | CHF 636.60 | CHF 702.90 |
| Free choice of doctor | CHF 749.00 | CHF 772.40 |
How they moved in this region
Against 2025, Helsana moves by + 9.2 % and Mutuel by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.