Helsana or Mutuel in Region 2 of canton Vaud?
In Region 2, Helsana is CHF 244.80 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 560.10 a month, Mutuel to CHF 580.50. The gap is CHF 244.80 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Assura-Basis, at CHF 537.30 a month. Moving there rather than to Helsana is worth CHF 273.60 more a year. Assura-Basis
Where they stand in the region
Helsana ranks 10 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 659.00 | CHF 675.00 | − 16.00 |
| 500 | CHF 647.40 | CHF 663.50 | − 16.10 |
| 1'000 | CHF 618.20 | CHF 634.50 | − 16.30 |
| 1'500 | CHF 589.00 | CHF 605.00 | − 16.00 |
| 2'000 | CHF 559.90 | CHF 576.00 | − 16.10 |
| 2'500 | CHF 530.70 | CHF 547.00 | − 16.30 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Other model | CHF 560.10 | CHF 580.50 |
| Family doctor | CHF 560.10 | CHF 614.20 |
| Free choice of doctor | CHF 659.00 | CHF 675.00 |
| HMO practice | — | CHF 594.00 |
How they moved in this region
Against 2025, Helsana moves by + 7.5 % and Mutuel by + 3.1 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.