Helsana or Mutuel in Region 1 of canton Vaud?
In Region 1, Helsana is CHF 448.80 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 580.10 a month, Mutuel to CHF 617.50. The gap is CHF 448.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Atupri, at CHF 570.10 a month. Moving there rather than to Helsana is worth CHF 120.00 more a year. Atupri
Where they stand in the region
Helsana ranks 6 and Mutuel ranks 15, 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 699.00 | CHF 718.00 | − 19.00 |
| 500 | CHF 687.40 | CHF 706.50 | − 19.10 |
| 1'000 | CHF 658.20 | CHF 677.50 | − 19.30 |
| 1'500 | CHF 629.00 | CHF 648.00 | − 19.00 |
| 2'000 | CHF 599.90 | CHF 619.00 | − 19.10 |
| 2'500 | CHF 570.70 | CHF 590.00 | − 19.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Family doctor | CHF 580.10 | CHF 653.40 |
| Other model | CHF 601.10 | CHF 617.50 |
| Free choice of doctor | CHF 699.00 | CHF 718.00 |
| HMO practice | — | CHF 631.90 |
How they moved in this region
Against 2025, Helsana moves by + 4.4 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.