Helsana or Mutuel in Region 1 of canton Valais?
In Region 1, Helsana is CHF 61.20 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 498.10 a month, Mutuel to CHF 503.20. The gap is CHF 61.20 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 481.20 a month. Moving there rather than to Helsana is worth CHF 202.80 more a year. Atupri
Where they stand in the region
Helsana ranks 7 and Mutuel ranks 12, out of 26 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 593.00 | CHF 599.00 | − 6.00 |
| 500 | CHF 581.40 | CHF 587.50 | − 6.10 |
| 1'000 | CHF 552.20 | CHF 558.50 | − 6.30 |
| 1'500 | CHF 523.00 | CHF 529.00 | − 6.00 |
| 2'000 | CHF 493.90 | CHF 500.00 | − 6.10 |
| 2'500 | CHF 464.70 | CHF 471.00 | − 6.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 498.10 | CHF 503.20 |
| Family doctor | CHF 498.10 | CHF 545.10 |
| Free choice of doctor | CHF 593.00 | CHF 599.00 |
| HMO practice | — | CHF 527.20 |
How they moved in this region
Against 2025, Helsana moves by + 5.8 % and Mutuel by + 6.2 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.