Helsana or Mutuel in Region 2 of canton Ticino?
In Region 2, Helsana is CHF 1'003.20 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 565.80 a month, Mutuel to CHF 649.40. The gap is CHF 1'003.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 539.00 a month. Moving there rather than to Helsana is worth CHF 321.60 more a year. Agrisano
Where they stand in the region
Helsana ranks 3 and Mutuel ranks 18, 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 658.00 | CHF 733.80 | − 75.80 |
| 500 | CHF 646.40 | CHF 722.30 | − 75.90 |
| 1'000 | CHF 617.20 | CHF 693.30 | − 76.10 |
| 1'500 | CHF 588.00 | CHF 663.80 | − 75.80 |
| 2'000 | CHF 558.90 | CHF 634.80 | − 75.90 |
| 2'500 | CHF 529.70 | CHF 605.80 | − 76.10 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Family doctor | CHF 565.80 | CHF 667.80 |
| Other model | CHF 572.40 | CHF 649.40 |
| Free choice of doctor | CHF 658.00 | CHF 733.80 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Mutuel by + 3.3 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.