Helsana or Sanitas in Region 2 of canton Vaud?

In Region 2, Helsana is CHF 18.00 a year cheaper than Sanitas 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, Sanitas to CHF 561.60. The gap is CHF 18.00 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 Sanitas ranks 11, 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	Sanitas	Gap
300	CHF 659.00	CHF 668.50	− 9.50
500	CHF 647.40	CHF 656.90	− 9.50
1'000	CHF 618.20	CHF 627.70	− 9.50
1'500	CHF 589.00	CHF 598.50	− 9.50
2'000	CHF 559.90	CHF 569.40	− 9.50
2'500	CHF 530.70	CHF 540.20	− 9.50

Model by model

Each insurer’s lowest rate in each model type, 300-franc deductible.

Model	Helsana	Sanitas
Other model	CHF 560.10	CHF 561.60
Family doctor	CHF 560.10	CHF 581.60
Free choice of doctor	CHF 659.00	CHF 668.50
HMO practice	—	CHF 608.40

How they moved in this region

Against 2025, Helsana moves by + 7.5 % and Sanitas by + 0.4 % in this region.

Source: Federal Office of Public Health (FOPH), official premiums.