Helsana or Sanitas?
Basic benefits are identical at Helsana and Sanitas — the law requires it. Only the price differs, and it differs from canton to canton. Here is where each one wins.
Sanitas is cheaper in 28 of 42 premium regions.
On average, Sanitas costs CHF 22 less per year.
Adult, CHF 300 deductible, accident cover included. Each insurer’s lowest premium, across all models.
Region by region
| Canton | Region | Helsana | Sanitas | Monthly gap |
|---|---|---|---|---|
| Aargau | single | CHF 483.80 | CHF 478.75 | +CHF 5.05 |
| Appenzell Innerrhoden | single | CHF 419.90 | CHF 378.30 | +CHF 41.60 |
| Appenzell Ausserrhoden | single | CHF 468.30 | CHF 448.65 | +CHF 19.65 |
| Bern | 1 | CHF 548.90 | CHF 552.30 | CHF -3.40 |
| Bern | 2 | CHF 508.30 | CHF 545.30 | CHF -37.00 |
| Bern | 3 | CHF 483.60 | CHF 495.45 | CHF -11.85 |
| Basel-Landschaft | 1 | CHF 572.00 | CHF 558.30 | +CHF 13.70 |
| Basel-Landschaft | 2 | CHF 531.20 | CHF 556.30 | CHF -25.10 |
| Basel-Stadt | single | CHF 581.40 | CHF 598.40 | CHF -17.00 |
| Fribourg | 1 | CHF 501.90 | CHF 503.75 | CHF -1.85 |
| Fribourg | 2 | CHF 477.70 | CHF 501.10 | CHF -23.40 |
| Geneva | single | CHF 613.70 | CHF 609.30 | +CHF 4.40 |
| Glarus | single | CHF 466.10 | CHF 455.60 | +CHF 10.50 |
| Grisons | 1 | CHF 479.00 | CHF 453.60 | +CHF 25.40 |
| Grisons | 2 | CHF 453.00 | CHF 448.30 | +CHF 4.70 |
| Grisons | 3 | CHF 441.80 | CHF 434.75 | +CHF 7.05 |
| Jura | single | CHF 578.80 | CHF 570.45 | +CHF 8.35 |
| Lucerne | 1 | CHF 472.00 | CHF 461.60 | +CHF 10.40 |
| Lucerne | 2 | CHF 458.60 | CHF 443.60 | +CHF 15.00 |
| Lucerne | 3 | CHF 450.20 | CHF 429.50 | +CHF 20.70 |
| Neuchâtel | single | CHF 568.40 | CHF 576.60 | CHF -8.20 |
| Nidwalden | single | CHF 434.30 | CHF 413.70 | +CHF 20.60 |
| Obwalden | single | CHF 429.20 | CHF 418.20 | +CHF 11.00 |
| St. Gallen | 1 | CHF 483.60 | CHF 479.65 | +CHF 3.95 |
| St. Gallen | 2 | CHF 458.60 | CHF 457.30 | +CHF 1.30 |
| St. Gallen | 3 | CHF 441.80 | CHF 445.80 | CHF -4.00 |
| Schaffhausen | 1 | CHF 486.30 | CHF 522.70 | CHF -36.40 |
| Schaffhausen | 2 | CHF 491.30 | CHF 484.35 | +CHF 6.95 |
| Solothurn | single | CHF 506.30 | CHF 518.15 | CHF -11.85 |
| Schwyz | single | CHF 462.40 | CHF 456.75 | +CHF 5.65 |
| Thurgau | single | CHF 474.30 | CHF 463.20 | +CHF 11.10 |
| Ticino | 1 | CHF 629.10 | CHF 624.80 | +CHF 4.30 |
| Ticino | 2 | CHF 565.80 | CHF 586.05 | CHF -20.25 |
| Uri | single | CHF 431.80 | CHF 404.10 | +CHF 27.70 |
| Vaud | 1 | CHF 580.10 | CHF 571.00 | +CHF 9.10 |
| Vaud | 2 | CHF 560.10 | CHF 561.60 | CHF -1.50 |
| Valais | 1 | CHF 498.10 | CHF 487.10 | +CHF 11.00 |
| Valais | 2 | CHF 440.30 | CHF 492.40 | CHF -52.10 |
| Zug | single | CHF 365.50 | CHF 354.20 | +CHF 11.30 |
| Zurich | 1 | CHF 533.60 | CHF 532.70 | +CHF 0.90 |
| Zurich | 2 | CHF 493.80 | CHF 488.40 | +CHF 5.40 |
| Zurich | 3 | CHF 464.80 | CHF 451.40 | +CHF 13.40 |
A premium gap says nothing about service quality, reimbursement times or how easy it is to reach someone. Those things are not published, and we will not invent them.