Helsana or Mutuel in Region 2 of canton Valais?

In Region 2, Helsana is CHF 453.60 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 440.30 a month, Mutuel to CHF 478.10. The gap is CHF 453.60 a year, 300-franc deductible, accident cover included.

What the question hides

Neither is the cheapest here: that is Agrisano, at CHF 406.30 a month. Moving there rather than to Helsana is worth CHF 408.00 more a year. Agrisano

Where they stand in the region

Helsana ranks 8 and Mutuel ranks 21, out of 28 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 518.00	CHF 569.10	− 51.10
500	CHF 506.40	CHF 557.60	− 51.20
1'000	CHF 477.20	CHF 528.60	− 51.40
1'500	CHF 448.00	CHF 499.10	− 51.10
2'000	CHF 418.90	CHF 470.10	− 51.20
2'500	CHF 389.70	CHF 441.10	− 51.40

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

Model	Helsana	Mutuel
Other model	CHF 440.30	CHF 478.10
Family doctor	CHF 440.30	CHF 517.90
Free choice of doctor	CHF 518.00	CHF 569.10
HMO practice	—	CHF 500.80

How they moved in this region

Against 2025, Helsana moves by − 0.9 % and Mutuel by + 6.2 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.