Helsana or Mutuel in Region 3 of canton Zurich?
In Region 3, Helsana is CHF 333.60 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 464.80 a month, Mutuel to CHF 492.60. The gap is CHF 333.60 a year, 300-franc deductible, accident cover included.
What the question hides
Neither is the cheapest here: that is Agrisano, at CHF 427.80 a month. Moving there rather than to Helsana is worth CHF 444.00 more a year. Agrisano
Where they stand in the region
Helsana ranks 12 and Mutuel ranks 20, 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 560.00 | CHF 569.50 | − 9.50 |
| 500 | CHF 548.40 | CHF 558.00 | − 9.60 |
| 1'000 | CHF 519.20 | CHF 529.00 | − 9.80 |
| 1'500 | CHF 490.00 | CHF 499.50 | − 9.50 |
| 2'000 | CHF 460.90 | CHF 470.50 | − 9.60 |
| 2'500 | CHF 431.70 | CHF 441.50 | − 9.80 |
Model by model
Each insurer’s lowest rate in each model type, 300-franc deductible.
| Model | Helsana | Mutuel |
|---|---|---|
| Family doctor | CHF 464.80 | CHF 518.20 |
| Other model | CHF 476.00 | CHF 492.60 |
| Free choice of doctor | CHF 560.00 | CHF 569.50 |
| HMO practice | — | CHF 501.10 |
How they moved in this region
Against 2025, Helsana moves by + 5.2 % and Mutuel by + 3.6 % in this region.
Source: Federal Office of Public Health (FOPH), official premiums.