Helsana or Mutuel in Region 2 of canton Zurich?
In Region 2, Helsana is CHF 450.00 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 493.80 a month, Mutuel to CHF 531.30. The gap is CHF 450.00 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 467.90 a month. Moving there rather than to Helsana is worth CHF 310.80 more a year. Agrisano
Where they stand in the region
Helsana ranks 8 and Mutuel ranks 23, out of 27 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 595.00 | CHF 614.30 | − 19.30 |
| 500 | CHF 583.40 | CHF 602.80 | − 19.40 |
| 1'000 | CHF 554.20 | CHF 573.80 | − 19.60 |
| 1'500 | CHF 525.00 | CHF 544.30 | − 19.30 |
| 2'000 | CHF 495.90 | CHF 515.30 | − 19.40 |
| 2'500 | CHF 466.70 | CHF 486.30 | − 19.60 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Family doctor | CHF 493.80 | CHF 559.00 |
| Other model | CHF 499.80 | CHF 531.30 |
| Free choice of doctor | CHF 595.00 | CHF 614.30 |
| HMO practice | — | CHF 540.60 |
How they moved in this region
Against 2025, Helsana moves by + 6.7 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.